CN103839340A - Method and system for synchronizing electronic purse information and over-the-air earmarking service platform - Google Patents
Method and system for synchronizing electronic purse information and over-the-air earmarking service platform Download PDFInfo
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- CN103839340A CN103839340A CN201210490672.6A CN201210490672A CN103839340A CN 103839340 A CN103839340 A CN 103839340A CN 201210490672 A CN201210490672 A CN 201210490672A CN 103839340 A CN103839340 A CN 103839340A
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Abstract
The invention discloses a method and system for synchronizing electronic purse information and an over-the-air earmarking service platform, and relates to the technical field of mobile payment. The method includes the steps that when off-line electronic purse credit-card consumption is conducted by a user, the over-the-air earmarking service platform can receive and record trade information reported by a mobile terminal for bearing an electronic purse and the current remaining balance of the off-line electronic purse; the trade information and the current remaining balance of the off-line electronic purse are reported to a payment platform through the over-the-air earmarking service platform so that the payment platform can record the trade information, and the remaining balance of the electronic purse is updated. According to the scheme, when the off-line electronic purse credit-card consumption is conducted by the user, the electronic purse information can be updated to the payment platform in real time when the off-line electronic purse credit-card consumption is conducted by the user, it is guaranteed that real-time synchronization of the electronic purse information between the mobile terminal and the payment platform can be maintained, hence, the payment platform can know the transaction condition and the remaining balance condition of the user in real time, user account checking is facilitated, and reversing can be carried out immediately on certain mal-consumption.
Description
Technical field
The present invention relates to mobile payment technical field, particularly synchronous method and system, the space transference business platform of a kind of e-wallet information.
Background technology
Along with the growth of income and the development of electronics, the communication technology, people change the custom of paying in cash gradually, and the mode that adopts more and more stored value card to pay.Stored value card is a kind of financial IC(integrated circuit designing for convenience of holder's consumption) card, the transaction such as circle is deposited, consumption that its is supported.Stored value card can be stored user's the information such as remaining sum, consumption amount.
The business of stored value card at present application is more extensive, as Bus Card business etc.Along with the mobile terminals such as mobile phone become the requisite means of communication of people day by day, realizing stored value card business by mobile terminal becomes a kind of business trend.
At present, when user uses the function of similar mobile phone wallet to carry out mobile payment, user is at consumption terminal (Point of Sale, be called for short POS) swipe the card after, remaining sum is undertaken synchronous by consumption terminal and payment platform, and balance amount information between consumption terminal and payment platform is Timing Synchronization, for example, after finishing at one day, the balance amount information of record is synchronized to payment platform by consumption terminal.Like this, payment platform obtains user mobile phone wallet balances just certain time delay, makes payment platform can not understand in real time user's transaction situation and remaining sum situation, is not easy to user and inquires about account, and some wrong consumption are just being rushed immediately.
Summary of the invention
An embodiment of the present invention technical matters to be solved is: provide the synchronous method and system of a kind of e-wallet information, space transference business platform, to solve the real-time synchronization problem of wallet information between mobile terminal and payment platform.
A kind of synchronous method of e-wallet information providing according to the embodiment of the present invention aspect, comprise: in the time that user carries out offline e wallet bankcard consumption, space transference business platform receives Transaction Information and the current remaining sum of offline e wallet of the mobile terminal reporting of carrying stored value card; Described space transference business platform records Transaction Information and the current remaining sum of offline e wallet; Transaction Information and the current remaining sum of offline e wallet are reported payment platform by described space transference business platform, so that described payment platform records Transaction Information, and upgrades electronic purse balance amount.Wherein, described Transaction Information comprises that consumption information and circle deposit information.
As a kind of exemplary embodiment, Transaction Information and the current remaining sum of offline e wallet that described space transference business platform receives the mobile terminal reporting of carrying stored value card specifically comprise: the note message that the mobile terminal of described space transference business platform reception carrying stored value card reports by Short Message Service Gateway, described note message carries Transaction Information and the current remaining sum of offline e wallet.
The method also comprises: described space transference business platform returns to reported result to described mobile terminal, so that described mobile terminal is deleted according to described reported result or reservation Transaction Information.
The method also comprises: described space transference business platform carries out format conversion to the message transmitting between described mobile terminal and described payment platform.
A kind of space transference business platform providing according to another aspect of the embodiment of the present invention, comprise: receiving element, for in the time that user carries out offline e wallet bankcard consumption, receive Transaction Information and the current remaining sum of offline e wallet of the mobile terminal reporting of carrying stored value card; Record cell, for recording Transaction Information and the current remaining sum of offline e wallet; Transmitting element, for Transaction Information and the current remaining sum of offline e wallet are reported to payment platform, so that described payment platform records Transaction Information, and upgrades electronic purse balance amount.Wherein, described Transaction Information comprises that consumption information and circle deposit information.
As a kind of exemplary embodiment, described receiving element specifically for: receive the note message that reports by Short Message Service Gateway of mobile terminal of carrying stored value card, described note message carries Transaction Information and the current remaining sum of offline e wallet.
Described transmitting element, also for: return to reported result to described mobile terminal, so that described mobile terminal is deleted according to described reported result or retained Transaction Information.
Described platform also comprises: converting unit, and for the message transmitting between described mobile terminal and described payment platform is carried out to format conversion.
The synchronous system of a kind of e-wallet information providing according to another aspect of the embodiment of the present invention, comprise above-mentioned space transference business platform, carrying stored value card mobile terminal and payment platform; Described mobile terminal, in the time that user carries out offline e wallet bankcard consumption, reports Transaction Information and the current remaining sum of offline e wallet to described space transference business platform; Transaction Information and the current remaining sum of offline e wallet that described payment platform sends for receiving described space transference business platform, record Transaction Information, and upgrade electronic purse balance amount.
As a kind of exemplary embodiment, described mobile terminal is specifically for reporting note message by Short Message Service Gateway to described space transference business platform, and described note message carries Transaction Information and the current remaining sum of offline e wallet.The reported result that described mobile terminal also returns for receiving described space transference business platform, when described reported result is deleted Transaction Information when reporting successfully, when described reported result retains Transaction Information when reporting unsuccessfully.
The present invention is in the time that user carries out offline e wallet bankcard consumption, the Transaction Information reporting by space transference business platform mobile terminal receive and the current remaining sum of offline e wallet, and Transaction Information and the current remaining sum of offline e wallet are reported to payment platform, so that payment platform records Transaction Information, and upgrade electronic purse balance amount, make user e-wallet information can be updated to payment platform in real time in the time carrying out offline e wallet bankcard consumption, keep the real-time synchronization of wallet information between mobile terminal and payment platform, thereby allow payment platform understand in real time user's transaction situation and remaining sum situation, so that user inquires about account, and some wrong consumption are just being rushed immediately.
By the detailed description to exemplary embodiment of the present invention referring to accompanying drawing, it is clear that further feature of the present invention and advantage thereof will become.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, to the accompanying drawing of required use in embodiment or description of the Prior Art be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skills, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 illustrates the schematic flow sheet of an embodiment of the synchronous method of e-wallet information of the present invention.
Fig. 2 illustrates the contrast schematic diagram of the Timing Synchronization of real-time synchronization of the present invention and prior art.
Fig. 3 illustrates the flow diagram of synchronous another embodiment of method of e-wallet information of the present invention.
Fig. 4 illustrates the structural representation of an embodiment of the synchronous system of e-wallet information of the present invention.
Fig. 5 illustrates the structural representation of an embodiment of space transference business platform of the present invention.
Fig. 6 illustrates the structural representation of another embodiment of space transference business platform of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, rather than whole embodiment.Illustrative to the description only actually of at least one exemplary embodiment below, never as any restriction to the present invention and application or use.Based on the embodiment in the present invention, those of ordinary skills, not making the every other embodiment obtaining under creative work prerequisite, belong to the scope of protection of the invention.
Unless illustrate in addition, otherwise the parts of setting forth in these embodiments and positioned opposite, numeral expression formula and the numerical value of step not limited the scope of the invention.
, it should be understood that for convenience of description, the size of the various piece shown in accompanying drawing is not to draw according to actual proportionate relationship meanwhile.
May not discuss in detail for the known technology of person of ordinary skill in the relevant, method and apparatus, but in suitable situation, described technology, method and apparatus should be regarded as authorizing a part for instructions.
In all examples with discussing shown here, it is exemplary that any occurrence should be construed as merely, rather than as restriction.Therefore, other example of exemplary embodiment can have different values.
It should be noted that: in similar label and letter accompanying drawing below, represent similar terms, therefore, once be defined in an a certain Xiang Yi accompanying drawing, in accompanying drawing subsequently, do not need it to be further discussed.
Fig. 1 is the schematic flow sheet of an embodiment of the synchronous method of e-wallet information of the present invention.As shown in Figure 1, the method for this embodiment comprises the following steps:
S102, in the time that user carries out offline e wallet bankcard consumption, space transference business platform receives Transaction Information and the current remaining sum of offline e wallet of the mobile terminal reporting of carrying stored value card.
Concrete, space transference business platform can receive the note message that the mobile terminal of carrying stored value card reports by Short Message Service Gateway, and note message carries Transaction Information and the current remaining sum of offline e wallet.In addition, mobile terminal, before reporting, can also be encrypted Transaction Information and the current remaining sum of offline e wallet, and corresponding, space transference business platform need to be decrypted the Transaction Information receiving and the current remaining sum of offline e wallet.The present embodiment does not limit concrete enciphering and deciphering algorithm, can select flexibly as required enciphering and deciphering algorithm.
After receiving the information of mobile terminal reporting, space transference business platform can also return to reported result to mobile terminal, so that mobile terminal is deleted according to reported result or reservation Transaction Information.If reported result is for reporting successfully, mobile terminal can be deleted Transaction Information, if report failure, mobile terminal can retain Transaction Information, can also be after failure cause be eliminated, continue to report the information such as the current remaining sum of Transaction Information and offline e wallet.
Wherein, Transaction Information comprises that consumption information and circle deposit information.Wherein, consumption information can be for example mobile terminal carries out bankcard consumption information at consumption terminal.The circle information of depositing can be for example that mobile terminal is deposited machine at circle and enclosed the information of depositing.
Wherein, mobile terminal can be mobile phone etc.Inductor is housed on mobile terminal, can realizes close range wireless communication, between mobile terminal and POS machine, realize the mutual of bankcard consumption information by near field communication (NFC).
S104, space transference business platform records Transaction Information and the current remaining sum of offline e wallet.
S106, Transaction Information and the current remaining sum of offline e wallet are reported payment platform by space transference business platform, so that payment platform records Transaction Information, and upgrade electronic purse balance amount, specifically electronic purse balance amount can be updated to the current remaining sum of offline e wallet reporting.
Before reporting, space transference business platform can also carry out format conversion to the message transmitting between mobile terminal and payment platform, with the interface rules of the information conforms payment platform that makes to report.
If when the link of space transference business platform and payment platform is obstructed, space transference business platform can buffer memory Transaction Information and the current remaining sum of offline e wallet, until when link-recovery, space transference business platform reports payment platform by Transaction Information and the current remaining sum of offline e wallet again.
Above-described embodiment, in the time that user carries out offline e wallet bankcard consumption, the Transaction Information reporting by space transference business platform mobile terminal receive and the current remaining sum of offline e wallet, and Transaction Information and the current remaining sum of offline e wallet are reported to payment platform, so that payment platform records Transaction Information, and upgrade electronic purse balance amount, make user e-wallet information can be updated to payment platform in real time in the time carrying out offline e wallet bankcard consumption, keep the real-time synchronization of wallet information between mobile terminal and payment platform, thereby allow payment platform understand in real time user's transaction situation and remaining sum situation, so that user inquires about account, and some wrong consumption are just being rushed immediately.
Fig. 2 illustrates the contrast schematic diagram of the Timing Synchronization of real-time synchronization of the present invention and prior art.In the prior art, user is by after POS machine bankcard consumption, and POS machine is that Transaction Information is synchronized to payment platform by timing.And the present invention, user is by after POS machine bankcard consumption, Transaction Information and the current remaining sum of offline e wallet are reported space transference business platform by the mobile terminal of carrying stored value card, report payment platform by space transference business platform again, thereby keep the real-time synchronization of wallet information between mobile terminal and payment platform.
Fig. 3 is the schematic flow sheet of synchronous another embodiment of method of e-wallet information of the present invention.As shown in Figure 3, the method for this embodiment comprises the following steps:
S301, user carries out offline e wallet bankcard consumption.
When user carries out offline e wallet bankcard consumption, before using stored value card, can also carry out identity legitimacy authentication to user, for example, by using the user of this stored value card to carry out the legal authentication of identity to electronic cipher, the finger-print cipher etc. of stored value card setting to wish in advance.In the time that the password of user input is identical with the password setting in advance, could pass through the legal authentication of identity.If user inputs password mistake, and reach certain errors number, do not allow user to use this stored value card.In addition, before using stored value card, can also check the legitimacy of stored value card, for example, if stored value card is reported the loss, judge that this stored value card is as illegal.
S302, Transaction Information and offline e wallet are reported space transference business platform by the mobile terminal of carrying stored value card.
Wherein one reports mode can be for example, and mobile terminal sends note message to space transference business platform, and note message carries Transaction Information and the current remaining sum of offline e wallet.What send note message can be specifically the Mobile phone card with bankcard consumption function on POS machine in mobile terminal.
In addition, before reporting, mobile terminal can also be encrypted Transaction Information and the current remaining sum of offline e wallet.
Wherein, Transaction Information comprises that consumption information and circle deposit information.
S303, space transference business platform receives also Transaction Information and the current remaining sum of offline e wallet of record move terminal to report.
If mobile terminal is encrypted Transaction Information and the current remaining sum of offline e wallet, space transference business platform also needs Transaction Information and the current remaining sum of offline e wallet to receiving to be decrypted.
S304, space transference business platform returns to reported result to mobile terminal, and this reported result can be to report successfully or report unsuccessfully etc.
S305, mobile terminal is deleted according to reported result or reservation Transaction Information.
Concrete, if reported result is for reporting successfully, mobile terminal can be deleted Transaction Information; If reported result is for reporting failure, mobile terminal can retain Transaction Information, can also be after failure cause be eliminated, continue to report the information such as the current remaining sum of Transaction Information and offline e wallet.
S306, Transaction Information and the current remaining sum of offline e wallet are reported payment platform by space transference business platform.
Before reporting, space transference business platform can also carry out format conversion to the message transmitting between mobile terminal and payment platform, with the interface rules of the information conforms payment platform that makes to report.
In addition, if when the link of space transference business platform and payment platform is obstructed, space transference business platform can buffer memory Transaction Information and the current remaining sum of offline e wallet, until when link-recovery, space transference business platform reports payment platform by Transaction Information and the current remaining sum of offline e wallet again.
S307, payment platform records Transaction Information, and upgrades electronic purse balance amount.
Above-described embodiment, in the time that user carries out offline e wallet bankcard consumption, the Transaction Information reporting by space transference business platform mobile terminal receive and the current remaining sum of offline e wallet, and Transaction Information and the current remaining sum of offline e wallet are reported to payment platform, so that payment platform records Transaction Information, and upgrade electronic purse balance amount, make user e-wallet information can be updated to payment platform in real time in the time carrying out offline e wallet bankcard consumption, keep the real-time synchronization of wallet information between mobile terminal and payment platform, thereby allow payment platform understand in real time user's transaction situation and remaining sum situation, so that user inquires about account, and some wrong consumption are just being rushed immediately.
Fig. 4 is the structural representation of an embodiment of the synchronous system of e-wallet information of the present invention.As shown in Figure 4, the system of this embodiment comprises: mobile terminal 401, space transference business platform 402 and the payment platform 403 of carrying stored value card.
Space transference business platform 402, for receiving also Transaction Information and the current remaining sum of offline e wallet of record move terminal to report, reports payment platform by Transaction Information and the current remaining sum of offline e wallet;
Transaction Information and the current remaining sum of offline e wallet that payment platform 403 sends for receiving space transference business platform, record Transaction Information, and upgrade electronic purse balance amount.
Wherein, space transference business platform 402 is also for returning to reported result to mobile terminal; Mobile terminal is also for deleting according to reported result or reservation Transaction Information.If reported result is for reporting successfully, mobile terminal can be deleted Transaction Information; If reported result is for reporting failure, mobile terminal can retain Transaction Information, can also be after failure cause be eliminated, continue to report the information such as the current remaining sum of Transaction Information and offline e wallet.
Wherein, space transference business platform 402 is also for carrying out format conversion to the message transmitting between mobile terminal and payment platform.
Wherein, mobile terminal 401 specifically can be for reporting note message by Short Message Service Gateway to space transference business platform, and this note message carries Transaction Information and the current remaining sum of offline e wallet.
Wherein, Transaction Information comprises that consumption information and circle deposit information.
Above-described embodiment, in the time that user carries out offline e wallet bankcard consumption, the Transaction Information reporting by space transference business platform mobile terminal receive and the current remaining sum of offline e wallet, and Transaction Information and the current remaining sum of offline e wallet are reported to payment platform, so that payment platform records Transaction Information, and upgrade electronic purse balance amount, make user e-wallet information can be updated to payment platform in real time in the time carrying out offline e wallet bankcard consumption, keep the real-time synchronization of wallet information between mobile terminal and payment platform, thereby allow payment platform understand in real time user's transaction situation and remaining sum situation, so that user inquires about account, and some wrong consumption are just being rushed immediately.
Fig. 5 is the structural representation of an embodiment of space transference business platform of the present invention.As shown in Figure 5, the space transference business platform 402 of this embodiment comprises:
Receiving element 501, when carrying out offline e wallet bankcard consumption as user, receives Transaction Information and the current remaining sum of offline e wallet of the mobile terminal reporting of carrying stored value card;
Record cell 502, for recording Transaction Information and the current remaining sum of offline e wallet;
Transmitting element 503, for Transaction Information and the current remaining sum of offline e wallet are reported to payment platform, so that payment platform records Transaction Information, and upgrades electronic purse balance amount.
Wherein, receiving element 501 specifically can be for: receive the note message that the mobile terminal of carrying stored value card reports by Short Message Service Gateway, this note message carries Transaction Information and the current remaining sum of offline e wallet.
Transmitting element 503, also for returning to reported result to mobile terminal, so that mobile terminal is deleted according to reported result or reservation Transaction Information.Wherein, Transaction Information comprises that consumption information and circle deposit information.
Fig. 6 is the structural representation of another embodiment of space transference business platform of the present invention.As shown in Figure 6, the space transference business platform 402 of this embodiment comprises:
Input/output module 601, for realizing and the communicating by letter of extraneous network element.For example, input/output module 601 can comprise receiving element 501 and transmitting element 503.
Message processing module (MPM) 602, for resolving message, encryption and decryption, format conversion etc.For example, message processing module (MPM) 602 can comprise resolution unit 6021, for the message receiving is resolved; Encryption/decryption element 6022, for being encrypted or deciphering message; Converting unit 6023, for carrying out format conversion to the message transmitting between mobile terminal and payment platform.
Overtime retransmit module 603, if when obstructed for the link of space transference business platform and payment platform, space transference business platform can buffer memory Transaction Information and the current remaining sum of offline e wallet, until when link-recovery, space transference business platform reports payment platform by Transaction Information and the current remaining sum of offline e wallet again.
With payment platform interface module 604, for the communication layers protocol encapsulation of data between payment platform is provided.
Log management module 605, for by some information recordings of space transference business platform input and output data to journal file, journal file is managed, clear up expired flowing water journal file according to profile rules.
Multi-thread managing module 606, is used to other modules that multithreading support is provided.Other modules can be input/output module 601, message processing module (MPM) 602, overtime retransmit module 603, with payment platform interface module 604, log management module 605 etc.
Infrastructure component module 607, is the general designation of infrastructure component, provides encapsulation mechanism at aspects such as encryption and decryption, communication, database scope, queue managements.
Above-described embodiment, in the time that user carries out offline e wallet bankcard consumption, the Transaction Information reporting by space transference business platform mobile terminal receive and the current remaining sum of offline e wallet, and Transaction Information and the current remaining sum of offline e wallet are reported to payment platform, so that payment platform records Transaction Information, and upgrade electronic purse balance amount, make user e-wallet information can be updated to payment platform in real time in the time carrying out offline e wallet bankcard consumption, keep the real-time synchronization of wallet information between mobile terminal and payment platform, thereby allow payment platform understand in real time user's transaction situation and remaining sum situation, so that user inquires about account, and some wrong consumption are just being rushed immediately.
One of ordinary skill in the art will appreciate that all or part of step that realizes above-described embodiment can complete by hardware, also can carry out the hardware that instruction is relevant by program completes, described program can be stored in a kind of computer-readable recording medium, the above-mentioned storage medium of mentioning can be ROM (read-only memory), disk or CD etc.
The foregoing is only preferred embodiment of the present invention, in order to limit the present invention, within the spirit and principles in the present invention not all, any modification of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (10)
1. the synchronous method of e-wallet information, comprising:
In the time that user carries out offline e wallet bankcard consumption, space transference business platform receives Transaction Information and the current remaining sum of offline e wallet of mobile terminal reporting of carrying stored value card, and described Transaction Information comprises that consumption information and circle deposit information;
Described space transference business platform records described Transaction Information and the current remaining sum of described offline e wallet;
Described Transaction Information and the current remaining sum of described offline e wallet are reported payment platform by described space transference business platform, so that described payment platform records Transaction Information, and upgrades electronic purse balance amount.
2. method according to claim 1, is characterized in that, Transaction Information and the current remaining sum of offline e wallet that described space transference business platform receives the mobile terminal reporting of carrying stored value card specifically comprise:
The note message that the mobile terminal of described space transference business platform reception carrying stored value card reports by Short Message Service Gateway, described note message carries Transaction Information and the current remaining sum of offline e wallet.
3. method according to claim 1, is characterized in that, also comprises:
Described space transference business platform returns to reported result to described mobile terminal, so that described mobile terminal is deleted according to described reported result or reservation Transaction Information.
4. method according to claim 1, is characterized in that, also comprises:
Described space transference business platform carries out format conversion to the message transmitting between described mobile terminal and described payment platform.
5. a space transference business platform, comprising:
Receiving element, when carrying out offline e wallet bankcard consumption as user, receives Transaction Information and the current remaining sum of offline e wallet of the mobile terminal reporting of carrying stored value card;
Record cell, for recording Transaction Information and the current remaining sum of offline e wallet;
Transmitting element, for Transaction Information and the current remaining sum of offline e wallet are reported to payment platform, so that described payment platform records Transaction Information, and upgrades electronic purse balance amount, and described Transaction Information comprises that consumption information and circle deposit information.
6. platform according to claim 5, is characterized in that, described receiving element specifically for:
The note message that the mobile terminal of reception carrying stored value card reports by Short Message Service Gateway, described note message carries Transaction Information and the current remaining sum of offline e wallet.
7. platform according to claim 5, is characterized in that, described transmitting element is also for returning to reported result to described mobile terminal, so that described mobile terminal is deleted according to described reported result or reservation Transaction Information.
8. platform according to claim 5, is characterized in that, also comprises:
Converting unit, for carrying out format conversion to the message transmitting between described mobile terminal and described payment platform.
9. the synchronous system of e-wallet information, comprises the space transference business platform as described in claim 5-8 any one, mobile terminal and the payment platform of carrying stored value card;
Described mobile terminal, in the time that user carries out offline e wallet bankcard consumption, reports Transaction Information and the current remaining sum of offline e wallet to described space transference business platform;
Transaction Information and the current remaining sum of offline e wallet that described payment platform sends for receiving described space transference business platform, record Transaction Information, and upgrade electronic purse balance amount.
10. system according to claim 9, is characterized in that, described mobile terminal is specifically for reporting note message by Short Message Service Gateway to described space transference business platform, and described note message carries Transaction Information and the current remaining sum of offline e wallet;
The reported result that described mobile terminal also returns for receiving described space transference business platform, when described reported result is deleted Transaction Information when reporting successfully, when described reported result retains Transaction Information when reporting unsuccessfully.
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