CN103745349A - Electronic consumer card system - Google Patents
Electronic consumer card system Download PDFInfo
- Publication number
- CN103745349A CN103745349A CN201310064686.6A CN201310064686A CN103745349A CN 103745349 A CN103745349 A CN 103745349A CN 201310064686 A CN201310064686 A CN 201310064686A CN 103745349 A CN103745349 A CN 103745349A
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- user
- data
- card
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- consumption
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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
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- 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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/351—Virtual cards
Abstract
The present invention discloses an electronic consumer card system. The electronic consumer card system is composed of a terminal client and a system terminal, and comprises a terminal identification module, a business logic module, a safety module, a payment interface and the like. According to the present invention, the terminal is identified and marked by the system and is used as a carrier and an inlet of an electronic consumer card, and the system issues the electronic consumer card to the terminal and records and maintains the on-line account of a user. The electronic consumer card comprises the unique identification data and the electronic consumer card data of the user, such as the amount of money, the period of validity, the serial number, etc. The terminal is used as the carrier of the electronic consumer card to be used for users to recharge and consume, and can be consumed and deducted money after being identified by the system, and the verification data and consumption notification are issued to the terminal via the mobile businesses, such as the short message, the data channel, etc. By using a mobile phone as the carrier of the electronic consumer card, the convenient electronic consumer card business and user experience are provided to users.
Description
The present invention relates to a kind of data processing method, particularly a kind of E-consumer card systems technology field based on mobile terminal, a kind of large-scale data place.
The present invention relates to the technical fields such as mobile terminal, system software, refer to especially a kind of E-consumer card system based on mobile terminal.
Background technology
Along with the development of the development of Internet technology, the communication technology, particularly intelligent terminal, barcode technology and software engineering, for the E-consumer card system of mobile terminal provides feasibility.
The mode of consumption card is mainly the traditional material object card of distribution at present, and issuing way efficiency is not high, and user carries inconvenience, by mobile phone, carries consumption card, has solved above variety of issue.
In view of this, the object of the invention is to propose one simple, by consumption card being carried out to electronization and obtaining and carry by mobile phone, for user provides a kind of E-consumer card system based on mobile terminal.
Summary of the invention
As can be seen from above, a kind of E-consumer card system based on mobile terminal provided by the invention, carries E-consumer card by intelligent terminal, has realized the conveniently E-consumer card system based on mobile terminal.
Have the following advantages specifically:
User experiences unanimously:
The use-pattern of E-consumer card also traditional consumption card use-pattern is in full accord, and user holds mobile terminal and shows E-consumer card.
Safe:
After traditional consumption card is lost, user cannot freeze or suspend the use of this card, and E-consumer jig is for kinds of protect mode; cannot copy, even if lose terminal, user also can pass through phone in the very first time; system door freezes this card, and security is higher than traditional consumption card.
Obtain online:
Traditional consumption card obtain manner needs under line to buy and to obtain, and under efficiency, and E-consumer card can on-line payment and obtained obtain manner simple and fast.
Electronics is single in detail:
Each consumption of user, system is all by record, and user can inquire about or subscribe to consumption data notice or bill service by system door, and customer consumption possesses detailed data recording, is more convenient for user's use.
Accompanying drawing explanation
Accompanying drawing described herein is used to provide a further understanding of the present invention, forms the application's a part, and schematic description and description of the present invention is used for explaining the present invention, does not form inappropriate limitation of the present invention.In the accompanying drawings:
Fig. 1 is the schematic diagram of system module structure of the present invention.
Fig. 2 is user's applying for electronic consumption card schematic flow sheet.
Fig. 3 supplements E-consumer card schematic flow sheet with money for user.
Fig. 4 is used schematic flow sheet for user uses E-consumer card.
Fig. 5 is E-consumer card user identity binding schematic flow sheet.
Fig. 6 is system acquisition termination number schematic flow sheet.
Fig. 7 is system data checking process schematic diagram.
Embodiment
With reference to the accompanying drawings the present invention is described more fully, exemplary embodiment of the present invention is wherein described.
For achieving the above object, a kind of E-consumer card system based on mobile terminal has been proposed.
Below in conjunction with the drawings, embodiments of the present invention are described.
The key point that realizes a kind of E-consumer card system based on mobile terminal is as follows:
E-consumer card generates: after system acquisition user terminal information and user profile, for user assignment is subscriber-coded and account, generate the checking data of E-consumer card, and coding after these data encryptions is saved in to bar code, the machine recognition using bar code as E-consumer card partly can be distinguished the E-consumer card of part synthetic image with people.
User identity binding: in order to guarantee the safety of user's E-consumer card, system is by E-consumer card and the user identity of user bound, optional user bound terminal hardware, system by the identity of authentication of users, and can select further to improve by short message password verification the security of E-consumer card after read electric consumption card.
The identification of E-consumer card and verification:
User shows E-consumer card by client mode, machine recognition part in system recognition E-consumer card is bar code part, bar code part has comprised user profile and user terminal information and check information, system is by the information of registered users calculation check Information Authentication user by being kept at system, the words that result is consistent are considered as user in valid system, further, user can select terminal hardware binding, when using E-consumer card, client terminals calculates reading terminals eigenwert and user data the identity fingerprint of E-consumer card and is reported to system again to compare, computational algorithm is taked hashing algorithm, comparison is unanimously considered as validated user.
Supplement with money and deduct fees:
Before customer consumption, need E-consumer card to supplement with money, the mode of supplementing with money is taked to supplement with money in system, user can make in cash, the mode such as transfer accounts, or take third-party payment system interface to supplement with money, supplement rear user with money and just can use this E-consumer card, system takes to need password or the strategy without password according to user's security strategy when customer consumption, for further improving security, can choose dynamic password, system will be resolved subscriber-coded that E-consumer card comprises, the termination number that inquiry is bound in system also issues dynamic password on this terminal, after user successfully provides dynamic password, system just will be carried out deducting fees of account.
Consumption data and electronics are single in detail:
Each consumption of user, system is by the concrete data of the consumption of recording user and generate electronics list in detail, and offer customer consumption notice by note or client data mode, provide the electronics of online or lettergram mode single in detail simultaneously, user, without obtaining papery mode document, can obtain detailed consumer record by network.
Data clearing:
System is after the consumption data of recording user, and according to the object of user's payment, system will be carried out the settle and reconcile transactions of fund with corresponding trade company according to the billing cycle of agreement, and various statistical report forms are financially provided.
Main functional modules as shown in Figure 1, a kind of structure of the E-consumer card system based on mobile terminal mainly comprises: end side: mobile terminal business ability module 100: for terminal logic application provides mobile terminal business ability, comprise data capability, communication capacity, as note, multimedia message, data connection etc.
Terminal database 101:
The Database Systems of mobile terminal inside, preserve various data and provide data source and data access interface for other modules.
Logic module 102:
The control of the logic flow of the business of end side and execution, complete miscellaneous service logic function alternately with other modules, as the logic flow of user's data query, and user data strategy configuration etc.
Security module 103:
Responsible system relates to safe function, comprises user rs authentication, data check, the security functions such as data encrypting and deciphering.
Service interface module 104:
Be responsible for the various service interfaces of calling system end and receive the various response messages that service end is returned, and offering corresponding logic function module.
Enquiry module 105:
Various data in terminal in user's inquiry terminal and the various user data of system end, E-consumer card operates various data.
Log pattern 106:
The operation of the E-consumer card to end side and consumption data record in detail and are kept in terminal database, offer user or system is inquired about.
Management configuration module 107:
Terminal user carries out business configuration and data management, and the configuration of the user data to business and business by administration module arranges.
Terminal interface 108:
End side offers the interface door of user's access, and user enters the miscellaneous service function of system use system by terminal interface.
Transmission channel 109:
The actual physical channel of data transmission is provided, the circuit domain passage that comprises each mobile communications network and data field passage, as note, multimedia message, data channel etc.
System side:
Service interface module 110:
Be responsible for communicating with terminal, provide various application interfaces to carry out system access for terminal, according to the agreement of consulting, carry out data transmission, send the data to the request msg of terminal and receiving terminal.
Communication interface modules 111:
Be responsible for communicating with the communication capacity of terminal the transmitting-receiving that comprises note, the transmitting-receiving of multimedia message, the transmitting-receiving of data network data.
Business logic modules 112:
The functions such as the execution of each service logic of the counterpart terminal user of responsible system end and logic setting, preservation, service request the response terminal of parsing end side, process miscellaneous service request logic.
Database 113:
Provide data storage and the various various functions based on database, as the logic functions such as data trigger, function and reporting system etc.
Administration module 114:
The administration module part of system, comprises user management, service parameter setting, the various management functions such as systematic parameter configuration.
Log pattern 115:
The information recording of the various operations of system to system journal, and is offered to user and inquires about.
Security module 120:
Be responsible for subscriber authentication and safely relevant various functions be set, verification terminal and user identity, the identity of checking electronic data card, and the various functions of the encryption and decryption of various data.
Reports module 121:
For system provides various analyses and form, according to user's demand, generate and export various analysis data sheets.
System door 122:
System user is logined the door of the system of door, and interface that user uses system and the carrying of miscellaneous service flow process are provided.
Give one example to illustrate that user of the present invention uses E-consumer card business process below, in this embodiment, business comprises
Following steps:
Prerequisite: terminal system registry and corresponding client is installed and setup and use card security strategy for need to verify dynamic password, and E-consumer card is supplemented with money.
Step 1: user opens client and recalls E-consumer card;
Step 2: the bar code of consumption end device scan E-consumer card;
Step 3: the enciphered data comprising in consumption end device parses bar code;
Step 4. is consumed end equipment the data of encryption and consumption data is reported to system as the consumption amount of money etc.;
Step 5. system is deciphered this data after receiving data, parses Subscriber Number, the data such as proof test value;
Step 6. system is carried out the security strategy of verification inquiring user to card data and user data;
After step 7. verification E-consumer card and user are validated user, according to user's security strategy, system issues dynamically
Password is to the termination number of user's registration.
Step 8. user receives this short message password, at consumption terminal, inputs this password, and system is carried out verification;
After this password of step 9. system verification is correct, initiate deducting fees to this user account;
Step 10. system judges the state of deducting fees, as recorded the various data of this consumption after successfully deducting fees and issuing consumption notice
To terminal;
Step 11. terminal receives this consumption notice, and this consumption completes.
Description of the invention provides for the purpose of example and explanation, and is not exhaustively or limit the invention to disclosed form.Many modifications and variations are obvious for the ordinary skill in the art.Selecting and describing embodiment is for better explanation principle of the present invention and practical application, thereby and makes those of ordinary skill in the art can understand the present invention's design to be suitable for the various embodiment with various modifications of special-purpose.
Claims (9)
1. an E-consumer card system, it is characterized in that by terminal as the identification of E-consumer card and carrying object, the process of consumption is supplemented and completed alternately by mobile service and terminal to system with money by identification terminal.
2. as claimed in claim 1, mobile terminal is registered in system, terminal is identified to voucher as electronic consumption system, it is characterized in that, terminal can be mobile phone, also can be can be online portable electronic equipment as panel computer, terminal is in system registry, system registry subscriber identity information, end message, the information such as phone number also generate user's system fund account, by HTTP head or identifying code mode, obtain phone number, user identity comprises the user profile such as subscriber-coded and Subscriber Number, in follow-up business flow process, user's coding and Subscriber Number are carried out to authentication, user identity carries out associated with E-consumer card simultaneously.
3. as claimed in claim 2, after user's registration, need custom system account to supplement with money, it is characterized in that, user pays by mode under online or line, comprise cash, credit card, internet banking system interface, the modes such as third-party payment system are propped up system, the operation such as withdraw deposit, system is supplemented with money according to user or the state of withdrawing deposit generates the account status of user E-consumer card, user account balance data is stored in system end, the operation of account is positioned to system end to be carried out, system is upgraded custom system account balance after successfully withholing, and on backstage, record this payment and generate the concrete data of E-consumer card, the E-consumer cartoon generating is crossed the modes such as data channel and is issued to terminal..
4. as claimed in claim 3, user is for after system fund account supplements with money, system generates the E-consumer card associated with changing account and is issued to user terminal, it is characterized in that, E-consumer card is image carrying, comprise user profile, card information, and carry out associated with user's fund account, comprise subscriber-coded, termination number, card sequence number, the term of validity, pin mode, card verification msg and the bar code that comprises above-mentioned information, barcode data carries out symmetry or asymmetric cryptosystem and prevents that external system from distinguishing, algorithm is arranged by system, key is generated by system, the key of symmetric cryptography and asymmetric cryptosystem private key are kept at system end, the PKI of asymmetric cryptosystem is issued to terminal, terminal can be used for the data such as encrypted transmission message, user's use-pattern is consistent with traditional consumption card, user shows E-consumer card, system scan bar-code identification E-consumer card data are also carried out data deciphering.
5. as claimed in claim 4, E-consumer card can be used this electronic cards to consume after supplementing with money, for guaranteeing safety, E-consumer card data have carried out encrypting and bundling with user identity, system is carried out safety check to the data on E-consumer card in use, it is characterized in that, by uniqueness mapping algorithm if hashing algorithm user's number or optional user's end eigenvale are as EMSI, the data such as subscriber-coded generate checking data encrypting storing, whether terminal checking checking data examines system registry user, E-consumer card or terminal, can control the user identity of E-consumer card and whether be limited to the machine and use, to prevent the safety in utilization of image copy and E-consumer card of E-consumer card.
6. as claimed in claim 5, user shows the E-consumer card in terminal, system is carried out scanning recognition and is implemented safety check according to user safety strategy, it is characterized in that, checking comprises E-consumer card legitimate verification and consumption password authentification, E-consumer card checking is that the data on computing system end user's log-on data and the E-consumer card preserved guarantee that electronic cards is in intrasystem legitimacy, consumption is verified as the safety guarantee of consumption, user selects without password, static password and dynamic password, without password in use without authentication password, static password is user's setting code, dynamic password is the password that system dynamically generates, during consumption, dynamically pass through note, or data channel is issued to corresponding user terminal.
7. as claimed in claim 6, the safety that system provides multiple safety precautions to ensure E-consumer card, user can carry out various safe operations, it is characterized in that, user can pass through system door, voice, note, client is carried out safe setting to card, and Modify password mode or card operation, comprise balance transfer, card is reported the loss and is freezed, password is revised, and removes card and terminal binding etc., ensures the safety of E-consumer cards by various security mechanisms.
8. user shows E-consumer card, system identification terminal electronic consumption card, system is deducted in real time user's fund account data and records consumption data according to customer consumption situation, it is characterized in that, user account data are kept at system end, system log (SYSLOG) user's concrete consumption data, comprise subscriber-coded, consumption time, serial number, the consumption amount of money, the consumption datas such as card sequence number of withholing, and by the consumer record send mode of user preset, consumer record is sent to user, comprise mail, note, client message etc.
9. as claimed in claim 8,, after user consumes, system is by the detailed data of recording user consumption, and settle accounts according to billing cycle and each side, it is characterized in that, E-consumer card data are kept at system end, user holds and need deduct fees online, system is by recording user consumption data and trade company's data, and trade company's packet is containing trade company's coding, name of firm, consumption place, consumption time, the data such as the consumption amount of money, system cycle carries out the clearing of the amount of money and transfers accounts according to the billing cycle of agreement.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310064686.6A CN103745349A (en) | 2013-03-01 | 2013-03-01 | Electronic consumer card system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310064686.6A CN103745349A (en) | 2013-03-01 | 2013-03-01 | Electronic consumer card system |
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| CN103745349A true CN103745349A (en) | 2014-04-23 |
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| CN201310064686.6A Pending CN103745349A (en) | 2013-03-01 | 2013-03-01 | Electronic consumer card system |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106815761A (en) * | 2016-12-31 | 2017-06-09 | 中国移动通信集团江苏有限公司 | E-voucher center card processing method, device and system |
| CN107491950A (en) * | 2017-08-31 | 2017-12-19 | 天津永兴泰科技有限公司 | Barcode scanning payment mechanism and payment system based on residents ' health card |
| CN111192036A (en) * | 2019-08-01 | 2020-05-22 | 腾讯科技（深圳）有限公司 | Account resource updating method and device, computer equipment and storage medium |
| CN111222886A (en) * | 2020-01-03 | 2020-06-02 | 深圳市华宇讯科技有限公司 | Consumption card using method, system, equipment and storage medium |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102831517A (en) * | 2011-06-15 | 2012-12-19 | 上海博路信息技术有限公司 | Electronic consumption card system based on mobile terminal |
-
2013
- 2013-03-01 CN CN201310064686.6A patent/CN103745349A/en active Pending
Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102831517A (en) * | 2011-06-15 | 2012-12-19 | 上海博路信息技术有限公司 | Electronic consumption card system based on mobile terminal |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106815761A (en) * | 2016-12-31 | 2017-06-09 | 中国移动通信集团江苏有限公司 | E-voucher center card processing method, device and system |
| CN107491950A (en) * | 2017-08-31 | 2017-12-19 | 天津永兴泰科技有限公司 | Barcode scanning payment mechanism and payment system based on residents ' health card |
| CN111192036A (en) * | 2019-08-01 | 2020-05-22 | 腾讯科技（深圳）有限公司 | Account resource updating method and device, computer equipment and storage medium |
| CN111192036B (en) * | 2019-08-01 | 2023-06-20 | 腾讯科技（深圳）有限公司 | Account resource updating method and device, computer equipment and storage medium |
| CN111222886A (en) * | 2020-01-03 | 2020-06-02 | 深圳市华宇讯科技有限公司 | Consumption card using method, system, equipment and storage medium |
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Owner name: BEIJING YIQILIAN TECHNOLOGY CO., LTD. Free format text: FORMER OWNER: WANG XIN Effective date: 20140815 |
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Free format text: CORRECT: ADDRESS; FROM: 242310 XUANCHENG, ANHUI PROVINCE TO: 101121 TONGZHOU, BEIJING |
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Effective date of registration: 20140815 Address after: 101121, No. 141, No. 2-1, 2536 North brick factory, Beijing, Tongzhou District Applicant after: Beijing billion union Technology Co., Ltd. Address before: 242310, No. 214, Ningguo cement factory, Ningguo Town, port town, Anhui, China Applicant before: Wang Xin |
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Application publication date: 20140423 |