CN103699994A - Method and system for loading credit over air for electronic purse of mobile terminal - Google Patents
Method and system for loading credit over air for electronic purse of mobile terminal Download PDFInfo
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- CN103699994A CN103699994A CN201410004261.0A CN201410004261A CN103699994A CN 103699994 A CN103699994 A CN 103699994A CN 201410004261 A CN201410004261 A CN 201410004261A CN 103699994 A CN103699994 A CN 103699994A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
Abstract
The invention relates to a method and a system for loading credit over air for an electronic purse of a mobile terminal. The method comprises the following steps that a, a client sends an electronic purse credit loading request and sends an instruction of updating a short message file to a client identification module, wherein the short message content contains the acquisition of electronic purse information of the mobile terminal; b, the client identification module receives the instruction of updating the short message file, intercepts the short message file, and writes the corresponding electronic purse information into the short message file of the client identification module; c, the client reads the short message file, acquires the electronic purse information, and implements credit loading interaction with an application platform and a payment platform to complete the credit loading on the payment platform; d, the client writes the short message file containing the mobile terminal electronic purse credit loading request into the client identification module according to a credit loading result on the payment platform, and the client identification module intercepts the short message file and completes mobile terminal electronic purse credit loading according to the short message content.
Description
Technical field
The present invention relates to mobile payment technical field, relate in particular to a kind of method and system of mobile terminal stored value card being carried out to space transference.
Background technology
Radio-frequency SIM card, the mobile payment service based on RFID is also flourish in worldwide.Contactless application compared with traditional IC card mode, mobile phone intelligent card is except possessing the facility of carrying, can by mobile phone screen realize and user between mutual, can also utilize data channel that mobile phone provides to realize mutual with background system simultaneously, thereby realize the management function that completes the mobile phone electronic wallets such as stored value card is supplemented with money, consumer record inquiry whenever and wherever possible, namely current space transference technology day by day prevailing.
Space transference refers to that user passes through operating handset STK(SIM TOOL KIT, STK) menu or client, use OTA(Over-the-Air Technology, over the air) or BIP(Business Integration Platform, business integration platform) etc. wireless mode and backstage payment system communicate, complete functions such as the supplementing with money of stored value card in mobile phone intelligent card, inquiries, with respect to IC-card application such as traditional public transport, bank, school-run enterprises, can greatly enrich the function of mobile payment service.
Existing space transference mode has the following disadvantages: 1,, owing to being subject to the impact of carrier network, the uncertainty of data SMS there will be the situations such as delay, omission, causes background server and card mode inconsistent; 2, in usage data note, enclose and deposit when request, the situation that there will be the multiple application of a SIM card, and the interface of SIM card deal with data note is unified, therefore when processing multiple application, may there is conflict, cause SIM card correctly to resolve and to enclose and deposit unsuccessfully short message content; 3, in the situation that SIM card successful recharging but supplementing with money of returning are confirmed note and are lost, platform may be because of overtime and repeatedly retransmit circle and deposit result note, SIM card just must be identified and repeatedly report repeating note, increases the complexity of SIM card treatment scheme.
Summary of the invention
In view of above-mentioned the deficiencies in the prior art, the object of the present invention is to provide a kind of method and system of mobile terminal stored value card being carried out to space transference, be intended to solve in existing space transference mode, SIM card need be used real note and backstage to carry out alternately, exists the uncertainty of data SMS to cause background server and card mode is inconsistent, SIM card cannot correctly be resolved and the technical matters such as SIM card treatment scheme is comparatively complicated short message content during the multiple application of a SIM card.
Technical scheme provided by the invention is: a kind of method of mobile terminal stored value card being carried out to space transference, comprising:
Step a: client is sent stored value card circle and deposited request, client is sent the more instruction of new message file to client identification module, and short message content obtains mobile terminal e-wallet information for including;
Step b: receive more new message file instruction and intercept note file by client identification module, and corresponding e-wallet information is write in client identification module note file;
Step c: by client short message reading file and obtain e-wallet information, enclose and deposit alternately according to e-wallet information and application platform and payment platform, the circle completing on payment platform is deposited;
Steps d: client is deposited result according to the circle on payment platform writes the note file of depositing request containing mobile terminal stored value card circle in client identification module, and client identification module intercepting note file, completes mobile terminal stored value card circle according to short message content and deposit.
Technical scheme of the present invention also comprises: in described step b, described by client identification module, receive more new message file instruction and intercept note file specifically comprise:
Step b1: receive the instruction that client sends, and judge according to the classification of instruction and content whether this instruction is the more instruction of new message file, if not the more instruction of new message file, execution step b2; If the more instruction of new message file, execution step b3;
Step b2: directly carry out instruction, and again perform step b1;
Step b3: intercepting note file, and judge whether short message content meets the agreement of client and client identification module agreement, and if do not meet the agreement of agreement, execution step b2; If meet the agreement of agreement, execution step b4;
Step b4: analyze short message content, and according to short message content, corresponding e-wallet information is assembled into a new note according to related protocol, this note is write to the note file that in client identification module note file, replacement is truncated to.
Technical scheme of the present invention also comprises: in described step c, described by client short message reading file and obtain e-wallet information and specifically comprise:
Step c1: according to certain hour circulation short message reading file, and judge whether to read the note file of protocol compliant, if do not read the note file of protocol compliant, continue execution step c1; If read the note file of protocol compliant, execution step c2;
Step c2: stop short message reading file, and analyze short message content, judge in this short message content whether comprise e-wallet information, if comprise e-wallet information in this short message content, execution step c3;
Step c3: delete this note file after obtaining e-wallet information according to short message content, and e-wallet information is sent to application platform, the key information of acquisition request stored value card.
Technical scheme of the present invention also comprises: in described step c, described according to e-wallet information and application platform and payment platform enclose deposit mutual, completing circle on payment platform deposits specifically and comprises: by application platform, receive the e-wallet information that client sends, and return to corresponding key information, by client key information, and deposit request to application platform transmission stored value card circle, by application platform, receive stored value card circle and deposit request, in application platform, form circle and deposit record, and initiate to payment platform the request of withholing, payment platform returns to the result of withholing after asking to withhold according to withholing and processing.
Technical scheme of the present invention also comprises: in described steps d, described client is deposited result according to the circle on payment platform and is also comprised to writing the note file of depositing request containing mobile terminal stored value card circle in client identification module: to client identification module, send the more instruction of new message file, described client identification module intercepting note file, according to short message content, completing mobile terminal stored value card circle deposits and is specially: receive instruction and also intercept note file, according to short message content, completing mobile terminal stored value card circle deposits, circle is deposited to result and according to related protocol, be assembled into a new note, and this note is write to the note file that in note file, replacement is truncated to.
Technical scheme of the present invention also comprises: after described steps d, also comprise: by client short message reading file, after depositing result, the stored value card circle that obtains mobile terminal deletes this note file, and this circle is deposited to result be sent to application platform, the circle that application platform is deposited in result renewal application platform according to circle is deposited recording status, completes this circle and deposits operation.
Another technical scheme provided by the invention is: a kind of system of mobile terminal stored value card being carried out to space transference, comprise client, client identification module, application platform and payment platform,
Described client is used for sending stored value card circle and deposits request, writes containing obtaining the note file of mobile terminal e-wallet information, and send the more instruction of new message file to client identification module in client identification module, described client identification module is used for receiving more new message file instruction and intercepts note file, corresponding e-wallet information is write to the note file that in client identification module note file, replacement is truncated to, described client short message reading file also obtains e-wallet information, according to e-wallet information and described application platform and payment platform enclose deposit mutual, the circle completing on described payment platform is deposited, and according to the circle on payment platform, deposit result write the note file of depositing request containing mobile terminal stored value card circle in client identification module, described client identification module receives more new message file instruction and intercepts note file, according to short message content, completing mobile terminal stored value card circle deposits.
Technical scheme of the present invention also comprises: described client comprises the first request module, first information processing module, the second request module, the second message processing module and the 3rd request module,
Described the first request module is used for sending stored value card circle and deposits request, writes containing obtaining the note file of mobile terminal e-wallet information, and send the more instruction of new message file to client identification module according to related protocol in client identification module;
The note file acquisition e-wallet information of described first information processing module for upgrading according to client identification module, and according to e-wallet information the key information to described application platform acquisition request stored value card;
Described the second request module is used for receiving the key information that application platform is returned, and deposits request to application platform transmission stored value card circle;
Described the second message processing module is used for receiving the result of withholing that application platform is returned, and to client identification module transmission stored value card circle, deposits request by the 3rd request module;
Described the 3rd request module is used for according to related protocol, to client identification module, writing the note file of depositing request containing mobile terminal stored value card circle, and sends the more instruction of new message file to client identification module.
Technical scheme of the present invention also comprises: described client identification module comprises the first judge module, the second judge module and the 4th message processing module, the instruction that described the first judge module sends for receiving client, and judge according to the classification of instruction and content whether this instruction is the more instruction of new message file, if the more instruction of new message file, by the second judge module intercepting note file; Described the second judge module is used for intercepting note file, and judges that whether short message content meets the agreement of client and client identification module agreement, if meet the agreement of agreement, analyzes short message content by the 4th message processing module; Described the 4th message processing module is used for analyzing short message content, if contain acquisition request e-wallet information in short message content, corresponding e-wallet information is assembled into a new note according to related protocol, this note is write to the note file that in client identification module note file, replacement is truncated to; If deposit request containing stored value card circle in short message content, complete mobile terminal stored value card circle and deposit, circle is deposited to result and according to related protocol, be assembled into a new note, and this note is write to the note file that in client identification module note file, replacement is truncated to.
Technical scheme of the present invention also comprises: described client also comprises the 3rd message processing module, described the 3rd message processing module is for depositing result according to the stored value card circle of the note file acquisition mobile terminal of client identification module renewal, and this circle is deposited to result be sent to application platform, described application platform is deposited result according to circle and is upgraded circle and deposit recording status.
Technical scheme tool of the present invention has the following advantages or beneficial effect: the method and system that mobile terminal stored value card is carried out to space transference of the embodiment of the present invention send circle by cell-phone customer terminal and deposit request, and use note channel complete with client identification module between communicate by letter, and then complete space transference operation, without using real data SMS, therefore be not subject to the impact of carrier network, and can in note file, do not leave any information after transaction completes; Can real time access SIM card due to client, after having deposited, circle by client, carries out two-way confirmation again, avoid occurring SIM card and the inconsistent situation of application platform state.
Accompanying drawing explanation
Fig. 1 is the structural drawing that the mobile terminal stored value card of the embodiment of the present invention carries out the method for space transference;
Fig. 2 be the embodiment of the present invention mobile terminal stored value card is carried out to the process flow diagram of the method for space transference;
Fig. 3 is the client identification module process flow diagram of the method for new message file more of the embodiment of the present invention;
Fig. 4 is the process flow diagram of method of the client short message reading file of the embodiment of the present invention;
Fig. 5 is the structural representation that mobile terminal stored value card is carried out to the system of space transference of the present invention.
Embodiment
The invention provides a kind of method and system of mobile terminal stored value card being carried out to space transference, for making object of the present invention, technical scheme and effect clearer, clear and definite, below the present invention is described in more detail.Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
As shown in Figure 1, mobile terminal stored value card carries out the process flow diagram of the method for space transference.Be specially: client is first communicated by letter with SIM card, obtains the e-wallet information in SIM card; Then mutual with application platform, payment platform, the circle completing on platform is deposited; Then communicate by letter with SIM card, the circle completing in SIM card is deposited again; Finally circle is deposited to result and be updated to platform, complete whole circle and deposit operation, whole circle is deposited in process, and SIM card need be used real note to complete mutual with backstage.
Refer to Fig. 2, for the embodiment of the present invention, mobile terminal stored value card is carried out to the process flow diagram of the method for space transference.The method that mobile terminal stored value card is carried out to space transference of the embodiment of the present invention comprises the following steps:
Step 10: send stored value card circle by client and deposit request, client writes containing obtaining the note file of mobile terminal e-wallet information in client identification module according to related protocol, and sends the more instruction of new message file to client identification module;
In step 10, client identification module is SIM card or other smart cards, described related protocol is the agreement of client and client identification module agreement, and note file is the short beacon quasiconfiguaration of client and client identification module agreement, so that distinguish this note, for enclosing, deposits note or normal short message.
Step 20: receive instruction and intercept note file by client identification module, according to short message content, corresponding e-wallet information is write to the note file that in client identification module note file, replacement is truncated to;
In order to clearly demonstrate step 20, see also Fig. 3, be the client identification module of the embodiment of the present invention process flow diagram of the method for new message file more.The client identification module of the embodiment of the present invention more method of new message file specifically comprises the following steps:
Step 21: receive the instruction that client sends, and judge according to the classification of instruction and content whether this instruction is the more instruction of new message file, if not the more instruction of new message file, execution step 22; If the more instruction of new message file, execution step 23;
Step 22: directly carry out instruction, and again perform step 21;
Step 23: intercepting note file, and judge whether short message content meets the agreement of client and client identification module agreement, and if do not meet the agreement of agreement, execution step 22; If meet the agreement of agreement, execution step 24;
Step 24: analyze short message content, and according to short message content, corresponding e-wallet information is assembled into a new note according to related protocol, this note is write to the note file that in client identification module note file, replacement is truncated to;
In step 24, if the note file being truncated to is Encrypted short message file, client identification module is analyzed short message content by the key information of stored value card afterwards again to this note file decryption, and write again note file after new note being encrypted with the key information of stored value card, to guarantee the security of e-wallet information.
Step 30: by client short message reading file and obtain e-wallet information, e-wallet information is sent to application platform, the key information of acquisition request stored value card;
In order to clearly demonstrate step 30, see also Fig. 4, be the process flow diagram of the method for the client short message reading file of the embodiment of the present invention.The method of the client short message reading file of the embodiment of the present invention specifically comprises the following steps:
Step 31: according to certain hour circulation short message reading file, and judge whether to read the note file of protocol compliant, if do not read the note file of protocol compliant, continue execution step 31; If read the note file of protocol compliant, execution step 32;
In step 31, the time of short message reading file can be set according to practical application, such as 5S etc.
Step 32: stop short message reading file, and analyze short message content, judge in this short message content whether comprise e-wallet information, if do not comprise e-wallet information in this short message content, execution step 33; If comprise e-wallet information in this short message content, execution step 34;
Step 33: this note in deleting short message file, then by abnormality processing;
In step 33, described abnormality processing comprises and resends the request of depositing of stored value card circle or continue short message reading file.
Step 34: delete this note file after obtaining e-wallet information according to short message content, and e-wallet information is sent to application platform, the key information of acquisition request stored value card.
Step 40: receive by application platform the e-wallet information that client sends, and return to corresponding key information;
Step 50: by client key information, and deposit request to application platform transmission stored value card circle;
Step 60: by application platform, receive stored value card circle and deposit request, and whether verify that this circle is deposited request legal, if the circle request of depositing is illegal, execution step 70; If the circle request of depositing is legal, execution step 80;
Step 70: return to client the information of reporting an error, this circle is deposited end.
Step 80: form circle and deposit record in application platform, and initiate to payment platform the request of withholing;
Step 90: receive by payment platform the request of withholing, and the backward application platform of processing of asking to withhold according to withholing is returned to the result of withholing;
Step 100: receive by application platform the result of withholing, and the result of withholing is back to client;
Step 110: by the client result of withholing, and judge whether that according to the result of withholing circle is saved as merit, if circle deposit unsuccessfully, execution step 120; If circle is saved as merit, execution step 130;
Step 120: prompting user circle is deposited unsuccessfully, and resend the circle request of depositing or finish circle and deposit operation according to user's operation;
Step 130: write the note file of depositing request containing mobile terminal stored value card circle according to related protocol in client identification module, and send the more instruction of new message file to client identification module;
Step 140: receive instruction and intercept note file by client identification module, according to short message content, completing mobile terminal stored value card circle deposits, circle is deposited to result and according to related protocol, be assembled into a new note, and this note is write to the note file that in client identification module note file, replacement is truncated to;
In step 140, client identification module more the method for new message file with step 20.
Step 150: by client short message reading file, delete this note file after the stored value card circle that obtains mobile terminal is deposited result, and this circle is deposited to result be sent to application platform;
In step 150, the method for client short message reading file is with step 30.
Step 160: receive circle by application platform and deposit result, and deposit according to circle the circle that result upgrades in application platform and deposit recording status, complete this circle and deposit operation.
Refer to Fig. 5, be the embodiment of the present invention mobile terminal stored value card is carried out to the structural representation of the system of space transference.The system that mobile terminal stored value card is carried out to space transference of the embodiment of the present invention comprises client, client identification module, application platform and payment platform, wherein,
Client comprises the first request module, first information processing module, the second request module, the second message processing module, the 3rd request module and the 3rd message processing module,
The first request module is used for sending stored value card circle and deposits request, writes containing obtaining the note file of mobile terminal e-wallet information, and send the more instruction of new message file to client identification module according to related protocol in client identification module;
The note file acquisition e-wallet information of first information processing module for upgrading according to client identification module, and e-wallet information is sent to application platform, the key information of acquisition request stored value card; Particularly, first information processing module comprises the first judging unit and the second judging unit,
The first judging unit is used for according to certain hour circulation short message reading file, and judges whether to read the note file of protocol compliant, if do not read the note file of protocol compliant, continues short message reading file; If read the note file of protocol compliant, stop short message reading file, and analyze short message content by the second judging unit;
The second judging unit is used for analyzing short message content, and judges in this short message content whether comprise e-wallet information, if do not comprise e-wallet information in this short message content, and this note in deleting short message file, then by abnormality processing; If comprise e-wallet information in this short message content, delete this note file after obtaining e-wallet information according to short message content, and e-wallet information is sent to application platform, the key information of acquisition request stored value card;
The second request module is used for receiving the key information that application platform is returned, and deposits request to application platform transmission stored value card circle;
The second message processing module is used for receiving the result of withholing that application platform is returned, and judges whether that according to the result of withholing circle is saved as merit, if circle is deposited unsuccessfully, prompting user circle is deposited unsuccessfully, and operates and resend the circle request of depositing or finish circle and deposit operation according to user; If circle is saved as merit, by the 3rd request module, to client identification module, sends stored value card circle and deposit request;
The 3rd request module is used for according to related protocol, to client identification module, writing the note file of depositing request containing mobile terminal stored value card circle, and sends the more instruction of new message file to client identification module;
The 3rd message processing module is deleted this note file after depositing result according to the stored value card circle of the note file acquisition mobile terminal of client identification module renewal, and this circle is deposited to result be sent to application platform, application platform is deposited result according to circle and is upgraded circle and deposit recording status.
Client identification module is for receiving the instruction of client transmission and intercepting note file, according to short message content, corresponding e-wallet information or stored value card circle are deposited to result and be assembled into a new note according to related protocol, and this note is write to the note file that in client identification module note file, replacement is truncated to; Particularly, client identification module comprises the first judge module, the second judge module and the 4th message processing module,
The instruction that the first judge module sends for receiving client, and judge according to the classification of instruction and content whether this instruction is the more instruction of new message file, if not the more instruction of new message file, directly carry out instruction, and again receive the instruction that client sends; If the more instruction of new message file, by the second judge module intercepting note file;
The second judge module is used for intercepting note file, and judges whether short message content meets the agreement of client and client identification module agreement, if do not meet the agreement of agreement, directly carries out instruction, and again receives the instruction that client sends; If meet the agreement of agreement, by the 4th message processing module, analyze short message content;
The 4th message processing module is used for analyzing short message content, if contain acquisition request e-wallet information in short message content, corresponding e-wallet information is assembled into a new note according to related protocol, this note is write to the note file that in client identification module note file, replacement is truncated to; If deposit request containing stored value card circle in short message content, complete mobile terminal stored value card circle and deposit, circle is deposited to result and according to related protocol, be assembled into a new note, and this note is write to the note file that in client identification module note file, replacement is truncated to.
Application platform comprises first information receiver module, Information Authentication module, encloses and deposit processing module and the second information receiving module,
The e-wallet information that first information receiver module sends for receiving client, and return to corresponding key information;
Information Authentication module is deposited request for the stored value card circle that receives client and send, and whether legal, if the circle request of depositing is illegal, to client, return to the information of reporting an error if verifying that this circle is deposited request, and this circle is deposited end; If the circle request of depositing is legal, by circle, deposits processing module formation circle and deposit record;
Circle is deposited processing module and is deposited record for form circle in application platform, to payment platform, initiates the request of withholing, and the result of withholing of payment platform is returned to client;
The second information receiving module is deposited result for receiving the circle of client transmission, and the circle of depositing in result renewal application platform according to circle is deposited recording status, completes this circle and deposits operation.
The request of withholing that payment platform sends for receiving application platform, and the backward application platform of processing of asking to withhold according to withholing is returned to the result of withholing.
The method and system that mobile terminal stored value card is carried out to space transference of the embodiment of the present invention send circle by cell-phone customer terminal and deposit request, and use note channel complete with client identification module between communicate by letter, and then complete space transference operation, without using real data SMS, therefore be not subject to the impact of carrier network, and can in note file, do not leave any information after transaction completes; Can real time access SIM card due to client, after having deposited, circle by client, carries out two-way confirmation again, avoid occurring SIM card and the inconsistent situation of application platform state.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, all any modifications of doing within the spirit and principles in the present invention, be equal to and replace and improvement etc., within all should being included in protection scope of the present invention.
Claims (10)
1. mobile terminal stored value card is carried out to a method for space transference, comprising:
Step a: client is sent stored value card circle and deposited request, client is sent the more instruction of new message file to client identification module, and short message content obtains mobile terminal e-wallet information for including;
Step b: receive more new message file instruction and intercept note file by client identification module, and corresponding e-wallet information is write in client identification module note file;
Step c: by client short message reading file and obtain e-wallet information, enclose and deposit alternately according to e-wallet information and application platform and payment platform, the circle completing on payment platform is deposited;
Steps d: client is deposited result according to the circle on payment platform writes the note file of depositing request containing mobile terminal stored value card circle in client identification module, and client identification module intercepting note file, completes mobile terminal stored value card circle according to short message content and deposit.
2. method of mobile terminal stored value card being carried out to space transference according to claim 1, is characterized in that, in described step b, described by client identification module, receive more new message file instruction and intercept note file specifically comprise:
Step b1: receive the instruction that client sends, and judge according to the classification of instruction and content whether this instruction is the more instruction of new message file, if not the more instruction of new message file, execution step b2; If the more instruction of new message file, execution step b3;
Step b2: directly carry out instruction, and again perform step b1;
Step b3: intercepting note file, and judge whether short message content meets the agreement of client and client identification module agreement, and if do not meet the agreement of agreement, execution step b2; If meet the agreement of agreement, execution step b4;
Step b4: analyze short message content, and according to short message content, corresponding e-wallet information is assembled into a new note according to related protocol, this note is write to the note file that in client identification module note file, replacement is truncated to.
3. method of mobile terminal stored value card being carried out to space transference according to claim 1 and 2, is characterized in that, in described step c, described by client short message reading file and obtain e-wallet information and specifically comprise:
Step c1: according to certain hour circulation short message reading file, and judge whether to read the note file of protocol compliant, if do not read the note file of protocol compliant, continue execution step c1; If read the note file of protocol compliant, execution step c2;
Step c2: stop short message reading file, and analyze short message content, judge in this short message content whether comprise e-wallet information, if comprise e-wallet information in this short message content, execution step c3;
Step c3: delete this note file after obtaining e-wallet information according to short message content, and e-wallet information is sent to application platform, the key information of acquisition request stored value card.
4. method of mobile terminal stored value card being carried out to space transference according to claim 1 and 2, it is characterized in that, in described step c, described according to e-wallet information and application platform and payment platform enclose deposit mutual, completing circle on payment platform deposits specifically and comprises: by application platform, receive the e-wallet information that client sends, and return to corresponding key information, by client key information, and deposit request to application platform transmission stored value card circle, by application platform, receive stored value card circle and deposit request, in application platform, form circle and deposit record, and initiate to payment platform the request of withholing, payment platform returns to the result of withholing after asking to withhold according to withholing and processing.
5. method of mobile terminal stored value card being carried out to space transference according to claim 1 and 2, it is characterized in that, in described steps d, described client is deposited result according to the circle on payment platform and is also comprised to writing the note file of depositing request containing mobile terminal stored value card circle in client identification module: to client identification module, send the more instruction of new message file, described client identification module intercepting note file, according to short message content, completing mobile terminal stored value card circle deposits and is specially: receive instruction and also intercept note file, according to short message content, completing mobile terminal stored value card circle deposits, circle is deposited to result and according to related protocol, be assembled into a new note, and this note is write to the note file that in note file, replacement is truncated to.
6. method of mobile terminal stored value card being carried out to space transference according to claim 5, it is characterized in that, after described steps d, also comprise: by client short message reading file, after depositing result, the stored value card circle that obtains mobile terminal deletes this note file, and this circle is deposited to result be sent to application platform, the circle that application platform is deposited in result renewal application platform according to circle is deposited recording status, completes this circle and deposits operation.
7. a system of mobile terminal stored value card being carried out to space transference, comprise client, client identification module, application platform and payment platform, it is characterized in that, described client is used for sending stored value card circle and deposits request, in client identification module, write containing obtaining the note file of mobile terminal e-wallet information, and send the more instruction of new message file to client identification module, described client identification module is used for receiving more new message file instruction and intercepts note file, corresponding e-wallet information is write to the note file that in client identification module note file, replacement is truncated to, described client short message reading file also obtains e-wallet information, according to e-wallet information and described application platform and payment platform enclose deposit mutual, the circle completing on described payment platform is deposited, and according to the circle on payment platform, deposit result write the note file of depositing request containing mobile terminal stored value card circle in client identification module, described client identification module receives more new message file instruction and intercepts note file, according to short message content, completing mobile terminal stored value card circle deposits.
8. system of mobile terminal stored value card being carried out to space transference according to claim 7, it is characterized in that, described client comprises the first request module, first information processing module, the second request module, the second message processing module and the 3rd request module
Described the first request module is used for sending stored value card circle and deposits request, according to related protocol, in client identification module, writes containing the note file that obtains mobile terminal e-wallet information;
The note file acquisition e-wallet information of described first information processing module for upgrading according to client identification module, and according to e-wallet information the key information to described application platform acquisition request stored value card;
Described the second request module is used for receiving the key information that application platform is returned, and deposits request to application platform transmission stored value card circle;
Described the second message processing module is used for receiving the result of withholing that application platform is returned, and to client identification module transmission stored value card circle, deposits request by the 3rd request module;
Described the 3rd request module is used for according to related protocol, to client identification module, writing the note file of depositing request containing mobile terminal stored value card circle, and sends the more instruction of new message file to client identification module.
9. according to described in claim 7 or 8, mobile terminal stored value card being carried out to the system of space transference, it is characterized in that, described client identification module comprises the first judge module, the second judge module and the 4th message processing module, the instruction that described the first judge module sends for receiving client, and judge according to the classification of instruction and content whether this instruction is the more instruction of new message file, if the more instruction of new message file, by the second judge module intercepting note file; Described the second judge module is used for intercepting note file, and judges that whether short message content meets the agreement of client and client identification module agreement, if meet the agreement of agreement, analyzes short message content by the 4th message processing module; Described the 4th message processing module is used for analyzing short message content, if contain acquisition request e-wallet information in short message content, corresponding e-wallet information is assembled into a new note according to related protocol, this note is write to the note file that in client identification module note file, replacement is truncated to; If deposit request containing stored value card circle in short message content, complete mobile terminal stored value card circle and deposit, circle is deposited to result and according to related protocol, be assembled into a new note, and this note is write to the note file that in client identification module note file, replacement is truncated to.
10. system of mobile terminal stored value card being carried out to space transference according to claim 9, it is characterized in that, described client also comprises the 3rd message processing module, described the 3rd message processing module is for depositing result according to the stored value card circle of the note file acquisition mobile terminal of client identification module renewal, and this circle is deposited to result be sent to application platform, described application platform is deposited result according to circle and is upgraded circle and deposit recording status.
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| CN201410004261.0A CN103699994B (en) | 2014-01-03 | 2014-01-03 | A kind of method and system that space transference is carried out to mobile terminal stored value card |
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| CN201410004261.0A CN103699994B (en) | 2014-01-03 | 2014-01-03 | A kind of method and system that space transference is carried out to mobile terminal stored value card |
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Cited By (3)
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| 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 |
| CN105488668A (en) * | 2014-09-16 | 2016-04-13 | 中国移动通信集团辽宁有限公司沈阳分公司 | Method and system for uploading off-line transaction information of SIM card payment application in real time |
| CN108234133A (en) * | 2017-12-28 | 2018-06-29 | 中国人民银行数字货币研究所 | Digital cash wallet replaces method, the system of key |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
| CN105488668A (en) * | 2014-09-16 | 2016-04-13 | 中国移动通信集团辽宁有限公司沈阳分公司 | Method and system for uploading off-line transaction information of SIM card payment application in real time |
| CN105488668B (en) * | 2014-09-16 | 2020-03-17 | 中国移动通信集团辽宁有限公司沈阳分公司 | Method and system for reporting offline transaction information of SIM card payment application in real time |
| CN108234133A (en) * | 2017-12-28 | 2018-06-29 | 中国人民银行数字货币研究所 | Digital cash wallet replaces method, the system of key |
| CN108234133B (en) * | 2017-12-28 | 2020-12-15 | 中国人民银行数字货币研究所 | Method and system for replacing key of digital currency wallet |
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| CN103699994B (en) | 2017-06-13 |
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