CN103729794A - Electronic currency circulating method - Google Patents
Electronic currency circulating method Download PDFInfo
- Publication number
- CN103729794A CN103729794A CN201310695262.XA CN201310695262A CN103729794A CN 103729794 A CN103729794 A CN 103729794A CN 201310695262 A CN201310695262 A CN 201310695262A CN 103729794 A CN103729794 A CN 103729794A
- Authority
- CN
- China
- Prior art keywords
- mobile phone
- money
- atm
- amount
- packet
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses an electronic currency circulating method. A mobile phone is used as a means of transaction, and an SIM card of the mobile phone is used as a carrier of electronic currency. Encrypted data packets containing currency amount data are transmitted through the NFC so as to perform the collection and payment transaction or the deposit and withdrawal transaction. The electronic currency circulating method can reduce or replace use of paper money and be more friendly to the environment. Based on encryption and verification of mobile software, it is ensured that the transaction is true and reliable. By means of the transaction manner, change is not needed, paper money detecting is not needed, and a user does not need to worry about the safety problem in carrying a large amount of paper money.
Description
[technical field]
The present invention relates to currency, relate in particular to a kind of circulation method of electronic money.
[background technology]
In present money flow, remain and take bank note as main.Bank note has fragile, the shortcoming of easily faking, and also the bank note of number is inconvenient to carry greatly, and fiduciary circulation needs paper, the consumption forest reserves of high-quality, environmental protection not.
[summary of the invention]
The technical problem to be solved in the present invention is to provide a kind of use that can replace bank note, the circulation method of safe and reliable electronic money.
In order to solve the problems of the technologies described above, the technical solution used in the present invention is, a kind of circulation method of electronic money, using mobile phone as instrument of exchange, using the SIM card of mobile phone as the carrier of electronic money, and the encrypted packets that comprises amount of currency data by NFC communications is carried out bank settlement or the transaction of depositing and withdrawing.
The circulation method of above-described electronic money, mobile phone is withdrawn the money and is comprised the following steps by ATM:
201) the NFC module of mobile phone and the NFC module of ATM realize data and dock;
202) information that mobile phone is withdrawn the money identity information, the withdraw the money amount of money and confirmation sends to ATM;
203) ATM is received after the information of withdrawing the money, after industrial computer checking, generate comprise the amount of money of withdrawing the money, through the packet of the close algorithm for encryption of state, send to mobile phone;
204) mobile phone is verified by the close algorithm of state after receiving described packet, is verified backward ATM and returns to confirmation, simultaneously by the SIM card of amount of money data storing to the machine of withdrawing the money in packet;
205) ATM receives that confirmation signal deducts the amount of money of withdrawing the money in corresponding account by industrial computer.
The circulation method of above-described electronic money, mobile phone is deposited and is comprised the following steps by ATM:
301) the NFC module of mobile phone and the NFC module of ATM realize data and dock;
302) mobile phone sends to ATM by the information of identity information, amount deposited and confirmation deposit;
303) ATM is received after deposit information, through industrial computer checking, to mobile phone, sends and allows deposit instruction;
304) mobile phone is received after deposit instruction, in the data of SIM, deducts amount deposited, generate comprise amount deposited, through the packet of the close algorithm for encryption of state, send to ATM;
305) after the packet that the industrial computer of ATM sends mobile phone, by the close algorithm of state, verify, after being verified, in corresponding account, increase corresponding amount deposited.
The circulation method of above-described electronic money, mobile phone bank settlement comprises the following steps:
401) the NFC module of payment mobile phone and the NFC module of the mobile phone of collecting money realize data and dock;
402) payment mobile phone arranges Payment Amount, confirms, after payment, in the data of SIM, to deduct amount deposited, generate comprise amount deposited, through the packet of the close algorithm for encryption of state, send to gathering mobile phone;
403) after the packet that gathering mobile phone sends payment mobile phone, by the close algorithm of state, verify, be verified backward payment mobile phone and return to confirmation, simultaneously the SIM card to the machine by the Payment Amount data storing in packet.
The circulation method of electronic money of the present invention can reduce or replace the use of bank note, environmental protection more.By the checking of encryption and cell phone software, can guarantee that transaction is true, reliable.This kind of mode of doing business kept the change, and without currency examine, also do not worry carrying the safety problem of a large amount of bank note.
[accompanying drawing explanation]
Below in conjunction with the drawings and specific embodiments, the present invention is further detailed explanation.
Fig. 1 is the schematic diagram that the embodiment of the present invention 1 mobile phone is withdrawn the money by ATM.
[embodiment]
The circulation method of electronic money of the present invention, usings mobile phone as instrument of exchange, usings the SIM card of mobile phone as the carrier of electronic money, and the encrypted packets that comprises amount of currency data by NFC communications is carried out bank settlement or the transaction of depositing and withdrawing.
On ATM based on the NFC technology (Near Field Communication near field communication (NFC)) of maturation has had now now and most mobile phone, all there is NFC module, realized hardware condition of the present invention and all possess.
By NFC technology, between mobile phone and mobile phone, between mobile phone and ATM, all can realize the exchanges data of representative money, to realize access and the circulation of currency.For example: when withdrawing cash; can on mobile phone, input the amount of money; then can from ATM, download corresponding data storing (data are encrypted protection by the close SM2 cryptographic algorithm of state) in SIM card by NFC; from bank account, withhold, this segment data storing in SIM card just can circulate and use as currency simultaneously.In the time of transaction, be exactly this segment data to be sent to other people mobile phone or ATM by the NFC of mobile phone.
Based on safety and the consideration of equity, support that the software of NFC exchange should not be present common software, should the distribution of Shi You national structure, adopted the software of the close SM2 cryptographic algorithm of state, to realize the protection of data and discriminating.
Described data are the binary codes by a section 64 or 128, then the enciphered data that obtains of the cryptographic algorithm by SM2.Every segment data is exactly the minimum dollar amount of transaction.
By this kind of mode, can reduce or replace the use of bank note, environmental protection more.SIM card is contained in mobile phone not fragile.The checking of cipher mode and cell phone software by appointment, can guarantee that transaction is true, reliable.This kind of mode of doing business kept the change, and without currency examine, also do not worry carrying the safety problem of a large amount of bank note, convenient.
Embodiment 1: mobile phone is withdrawn the money and comprised the following steps by ATM:
1) the NFC module of mobile phone and the NFC module of ATM realize data and dock;
2) mobile phone is by identity information, 1000 yuan of the amount of money and confirm that the information withdraw the money sends to ATM of withdrawing the money;
3) ATM is received after the information of withdrawing the money, and generates the data that comprise 1000 yuan of the amount of money of withdrawing the money, through the packet of the close algorithm for encryption of state after industrial computer checking, sends to the mobile phone of withdrawing the money;
4) mobile phone is verified by the close algorithm of state after receiving described packet, is verified backward ATM and returns to confirmation, simultaneously the SIM card to the machine by the data storing of 1000 yuan of the amount of money of withdrawing the money in packet;
5) ATM receives that confirmation signal deducts 1000 yuan of the amount of money of withdrawing the money in corresponding account by industrial computer.
Embodiment 2: mobile phone is deposited and comprised the following steps by ATM:
1) the NFC module of mobile phone and the NFC module of ATM realize data and dock;
2) mobile phone sends to ATM by the information of 1000 yuan of identity information, amount deposited and confirmation deposits;
3) ATM is received after deposit information, through industrial computer checking, to mobile phone, sends and allows deposit instruction;
4) mobile phone is received after deposit instruction, deducts 1000 yuan of amount depositeds in the data of SIM, generate comprise amount deposited 1000 metadata, through the packet of the close algorithm for encryption of state, send to ATM;
5) after the packet that the industrial computer of ATM sends mobile phone, by the close algorithm of state, verify, after being verified, in corresponding account, increase by 1000 yuan of corresponding amount depositeds.
Embodiment 3: mobile phone bank settlement comprises the following steps:
1) the NFC module of payment mobile phone and the NFC module of the mobile phone of collecting money realize data and dock;
2) payment mobile phone arranges Payment Amount 100 ground, confirms, after payment, to deduct 100 yuan of amount depositeds in the data of SIM, generate comprise amount deposited 100 ground, through the packet of the close algorithm for encryption of state, send to gathering mobile phone;
3) after the packet that gathering mobile phone sends payment mobile phone, by the close algorithm of state, verify, be verified backward payment mobile phone and return to confirmation, 100 metadata of the Payment Amount in packet are stored into the SIM card of the machine simultaneously.
The circulation method of the above embodiment electronic money of the present invention can reduce or replace the use of bank note, environmental protection more.By the checking of the close algorithm for encryption of state and cell phone software, can guarantee transaction security, reliable.This kind of mode of doing business kept the change, and without currency examine, also do not worry carrying the safety problem of a large amount of bank note.
Claims (4)
1. a circulation method for electronic money, is characterized in that, usings mobile phone as instrument of exchange, usings the SIM card of mobile phone as the carrier of electronic money, and the encrypted packets that comprises amount of currency data by NFC communications is carried out bank settlement or the transaction of depositing and withdrawing.
2. the circulation method of electronic money according to claim 1, is characterized in that, mobile phone is withdrawn the money and comprised the following steps by ATM:
201) the NFC module of mobile phone and the NFC module of ATM realize data and dock;
202) information that mobile phone is withdrawn the money identity information, the withdraw the money amount of money and confirmation sends to ATM;
203) ATM is received after the information of withdrawing the money, after industrial computer checking, generate comprise the amount of money of withdrawing the money, through the packet of the close algorithm for encryption of state, send to mobile phone;
204) mobile phone is verified by the close algorithm of state after receiving described packet, is verified backward ATM and returns to confirmation, simultaneously by the SIM card of amount of money data storing to the machine of withdrawing the money in packet;
205) ATM receives that confirmation signal deducts the amount of money of withdrawing the money in corresponding account by industrial computer.
3. the circulation method of electronic money according to claim 1, is characterized in that, mobile phone is deposited and comprised the following steps by ATM:
301) the NFC module of mobile phone and the NFC module of ATM realize data and dock;
302) mobile phone sends to ATM by the information of identity information, amount deposited and confirmation deposit;
303) ATM is received after deposit information, through industrial computer checking, to mobile phone, sends and allows deposit instruction;
304) mobile phone is received after deposit instruction, in the data of SIM, deducts amount deposited, generate comprise amount deposited, through the packet of the close algorithm for encryption of state, send to ATM;
305) after the packet that the industrial computer of ATM sends mobile phone, by the close algorithm of state, verify, after being verified, in corresponding account, increase corresponding amount deposited.
4. the circulation method of electronic money according to claim 1, is characterized in that, mobile phone bank settlement comprises the following steps:
401) the NFC module of payment mobile phone and the NFC module of the mobile phone of collecting money realize data and dock;
402) payment mobile phone arranges Payment Amount, confirms, after payment, in the data of SIM, to deduct amount deposited, generate comprise amount deposited, through the packet of the close algorithm for encryption of state, send to gathering mobile phone;
403) after the packet that gathering mobile phone sends payment mobile phone, by the close algorithm of state, verify, be verified backward payment mobile phone and return to confirmation, simultaneously the SIM card to the machine by the Payment Amount data storing in packet.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310695262.XA CN103729794A (en) | 2013-12-17 | 2013-12-17 | Electronic currency circulating method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310695262.XA CN103729794A (en) | 2013-12-17 | 2013-12-17 | Electronic currency circulating method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103729794A true CN103729794A (en) | 2014-04-16 |
Family
ID=50453855
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310695262.XA Pending CN103729794A (en) | 2013-12-17 | 2013-12-17 | Electronic currency circulating method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103729794A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104361677A (en) * | 2014-11-07 | 2015-02-18 | 中国建设银行股份有限公司 | Non-contact money withdrawing method and self-service equipment |
| WO2016188206A1 (en) * | 2015-05-23 | 2016-12-01 | 张萍 | Cash depositing and withdrawing system based on internet of things |
| CN106375938A (en) * | 2016-08-29 | 2017-02-01 | 广州御银自动柜员机科技有限公司 | Short distance wireless communication apparatus for STM machine |
| CN106991767A (en) * | 2016-01-21 | 2017-07-28 | 廖思军 | A kind of ATM control methods and device |
| WO2019237257A1 (en) * | 2018-06-12 | 2019-12-19 | 王健 | Automated teller machine and method for same issuing physical carriers of digital currency |
| US10762478B1 (en) | 2017-08-04 | 2020-09-01 | Wells Fargo Bank, N.A. | Creating and managing private electronic currency |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101330675A (en) * | 2007-06-20 | 2008-12-24 | 中国银联股份有限公司 | Mobile payment terminal equipment |
| CN101334913A (en) * | 2008-05-08 | 2008-12-31 | 上海柯斯软件有限公司 | Method for receiving and processing multi-terminal information by self-adapting SIM chip operating system |
| CN101467158A (en) * | 2006-05-10 | 2009-06-24 | 第一数据公司 | System and method for activating telephone-based payment instrument |
| CN101841604A (en) * | 2010-06-02 | 2010-09-22 | 中兴通讯股份有限公司 | Method and device for automatically displaying near field communication transaction information on mobile terminal |
| CN101933246A (en) * | 2008-01-30 | 2010-12-29 | 电子湾有限公司 | Near field communication intialization |
| US20120265679A1 (en) * | 2011-04-15 | 2012-10-18 | Bank Of America Corporation | Automated teller machine (atm) to mobile communication device session integration |
-
2013
- 2013-12-17 CN CN201310695262.XA patent/CN103729794A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101467158A (en) * | 2006-05-10 | 2009-06-24 | 第一数据公司 | System and method for activating telephone-based payment instrument |
| CN101330675A (en) * | 2007-06-20 | 2008-12-24 | 中国银联股份有限公司 | Mobile payment terminal equipment |
| CN101933246A (en) * | 2008-01-30 | 2010-12-29 | 电子湾有限公司 | Near field communication intialization |
| CN101334913A (en) * | 2008-05-08 | 2008-12-31 | 上海柯斯软件有限公司 | Method for receiving and processing multi-terminal information by self-adapting SIM chip operating system |
| CN101841604A (en) * | 2010-06-02 | 2010-09-22 | 中兴通讯股份有限公司 | Method and device for automatically displaying near field communication transaction information on mobile terminal |
| US20120265679A1 (en) * | 2011-04-15 | 2012-10-18 | Bank Of America Corporation | Automated teller machine (atm) to mobile communication device session integration |
Non-Patent Citations (1)
| Title |
|---|
| 中国人民银行等: "《中华人民共和国金融行业标准-中国金融集成电路（IC）卡规范》", 30 April 2010, 中国人民银行发布 * |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104361677A (en) * | 2014-11-07 | 2015-02-18 | 中国建设银行股份有限公司 | Non-contact money withdrawing method and self-service equipment |
| CN104361677B (en) * | 2014-11-07 | 2017-06-16 | 中国建设银行股份有限公司 | It is non-to access money method and self-service device |
| WO2016188206A1 (en) * | 2015-05-23 | 2016-12-01 | 张萍 | Cash depositing and withdrawing system based on internet of things |
| CN106991767A (en) * | 2016-01-21 | 2017-07-28 | 廖思军 | A kind of ATM control methods and device |
| CN106375938A (en) * | 2016-08-29 | 2017-02-01 | 广州御银自动柜员机科技有限公司 | Short distance wireless communication apparatus for STM machine |
| US10762478B1 (en) | 2017-08-04 | 2020-09-01 | Wells Fargo Bank, N.A. | Creating and managing private electronic currency |
| US11663564B1 (en) | 2017-08-04 | 2023-05-30 | Wells Fargo Bank, N.A. | Creating and managing private electronic currency |
| WO2019237257A1 (en) * | 2018-06-12 | 2019-12-19 | 王健 | Automated teller machine and method for same issuing physical carriers of digital currency |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| KR101781522B1 (en) | System and method for using multiple payment accounts using a single payment device | |
| AU2013248936B2 (en) | Multi-issuer secure element partition architecture for NFC enabled devices | |
| CN103729794A (en) | Electronic currency circulating method | |
| CN103577983B (en) | Load method of electronic currency for off-line consumption | |
| CN103164911B (en) | A kind of Swiping-card payment system and method | |
| CN101329786B (en) | Method and system for acquiring bank card magnetic track information or payment application for mobile terminal | |
| CN103530957A (en) | Method and system for non-card withdrawal transaction through self-service money depositing and withdrawing equipment | |
| CN102737308A (en) | Mobile terminal and method and system for inquiring information of intelligent card | |
| CN101939945B (en) | A payment method and system for certification by a smart card with a display and a keyboard using one time dynamic cipher code | |
| CN102194178A (en) | Payment processing system, method and device | |
| CN103269326A (en) | Safety equipment, multi-application system and safety method for ubiquitous networks | |
| CN105814590A (en) | Person-to-person payments using electronic devices | |
| CN104392347B (en) | A kind of account application method, creation method, relevant device and system | |
| CN109039652A (en) | A kind of number leads to generation and the application method of card | |
| CN102810189A (en) | Near field payment and payment completion confirming method for NFC (Near Field Communication) functional mobile phone | |
| CN103198584A (en) | Account management method and system on automatic teller machine (ATM) by utilizing handheld device | |
| CN103942897A (en) | Method for money withdrawing without card on ATM | |
| CN103400267A (en) | System and method for generating currency file, safety equipment, transaction system and method | |
| CN101976402A (en) | Mobile phone payment system and method | |
| CN105931037A (en) | Electronic cash transfer method, device and system | |
| CN101330675B (en) | Mobile payment terminal equipment | |
| CN102385778A (en) | Mobile payment method, mobile pavment system and mobile terminal | |
| US20140089169A1 (en) | System and Method of Processing Payment Transactions via Mobile Devices | |
| CN102831466A (en) | Cell phone bank card | |
| CN101127954B (en) | A method for transmitting data via mobile phone dialing communication or GRPS packet communication technology |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20140416 |
|
| RJ01 | Rejection of invention patent application after publication |