CN104166915A - Electronic wallet payment method and electronic wallet payment system - Google Patents
Electronic wallet payment method and electronic wallet payment system Download PDFInfo
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- CN104166915A CN104166915A CN201410183006.7A CN201410183006A CN104166915A CN 104166915 A CN104166915 A CN 104166915A CN 201410183006 A CN201410183006 A CN 201410183006A CN 104166915 A CN104166915 A CN 104166915A
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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
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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Abstract
The invention discloses an electronic wallet payment method and an electronic wallet payment system. On one hand, the payment efficiency is improved, and on the other hand, the payment security is enhanced. The scheme is low in cost and is thus suitable for large-scale copy and promotion. The technical scheme is as follows: an application is installed on a mobile terminal, an electronic wallet is arranged in the application and is bound to a bank card, the electronic wallet is recharged by the bank card before use, and offline payment is made by use of the electronic wallet. The process of payment is realized with an acoustic, Wi-Fi or radio-frequency signal as a medium. Compared with traditional card-swiping offline payment, the electronic wallet payment method of the invention has advantages not only in convenience and safety but also in cost control.
Description
Technical field
The present invention relates to method of payment and system, relate in particular to stored value card method of payment and system based on mobile device.
Background technology
At present, consumer can pass through bank card (for example, credit or debit card or the third party's bank card) clearing of swiping the card on POS holds while paying transacting business.This traditional " card-scanning type ", although method of payment can allow consumer avoid carrying buckets of cash, consumer still must carry bank card with the payment of swiping the card, and this is restricted transaction payment.
Summary of the invention
Below provide the brief overview of one or more aspects so that the basic comprehension to these aspects to be provided.Detailed combine of this not all aspect contemplating of general introduction look at, and neither the also non-scope of attempting to define any or all aspect of the key or decisive key element that is intended to point out out all aspects.Its unique object is the order that some concepts that will provide in simplified form one or more aspects are thought the more detailed description providing after a while.
The object of the invention is to address the above problem, a kind of stored value card method of payment and system are provided, have improved payment efficiency on the one hand, also strengthened on the other hand safety of payment, and the cost of this scheme is very low, be therefore conducive to copy on a large scale and promote.
Technical scheme of the present invention is: the present invention has disclosed a kind of Payment System of Electronic Purse, comprises payment terminal and consumption terminal, wherein:
Payment terminal, sends accounts information to consumption terminal by a propagation medium; And
Consumption terminal, receives after accounts information, send and pay feedback information to payment terminal, and the payment feedback information based on receiving upgrades the remaining sum of stored value card by payment terminal.
According to an embodiment of Payment System of Electronic Purse of the present invention, Payment System of Electronic Purse also comprises:
Account settlement platform server carries out the amount of money clearing of the user account in payment terminal, the remaining sum on the stored value card of the user account in update server on account settlement platform.
According to an embodiment of Payment System of Electronic Purse of the present invention, Payment System of Electronic Purse also comprises:
Platform of user management server, sets up data communication with account settlement platform server, payment terminal respectively, and wherein platform of user management server comprises:
Registering modules, receives Client-initiated registration request, based on registration request, distributes a user account, and wherein user account representative is used for the user identity of consuming, the stored value card of respective user.
According to an embodiment of Payment System of Electronic Purse of the present invention, the remaining sum of stored value card is stored in one of them of the terminal software of payment terminal, chip card and storer or wherein combination arbitrarily.
According to an embodiment of Payment System of Electronic Purse of the present invention, payment terminal sends to consumption terminal by the signal of this propagation medium by the payment cipher of inputting in payment terminal.
According to an embodiment of Payment System of Electronic Purse of the present invention, payment terminal is all transmitted with cipher mode by accounts information and the payment cipher of the signal transmission of this propagation medium.
According to an embodiment of Payment System of Electronic Purse of the present invention, platform of user management server is supplemented with money after order is supplemented in application generation with money and is sent to payment terminal based on Client-initiated, and by payment account with supplement sequence information with money and send to account settlement platform server, after settling accounts successfully by account settlement platform server and payment account system, upgrade the amount of money of the stored value card in payment terminal.
According to an embodiment of Payment System of Electronic Purse of the present invention, this transmission medium comprises sound wave, Wifi or radiofrequency signal.
The present invention has also disclosed a kind of stored value card method of payment, comprising:
Payment terminal sends accounts information to consumption terminal by a propagation medium;
Consumption terminal receives after accounts information, sends and pays feedback information to payment terminal; And
Payment terminal is upgraded the remaining sum of stored value card after receiving payment feedback information.
According to an embodiment of stored value card method of payment of the present invention, this method of payment also comprises:
Account settlement platform server carries out the amount of money clearing of the user account in payment terminal, the remaining sum on the stored value card of the user account in update server on account settlement platform.
According to an embodiment of stored value card method of payment of the present invention, in stored value card method of payment, also comprise Account Registration flow process, Account Registration flow process comprises:
Payment terminal registered user's account and corresponding stored value card thereof, and upload to platform of user management server.
According to an embodiment of stored value card method of payment of the present invention, the remaining sum of stored value card is stored in one of them of the terminal software of payment terminal, chip card and storer or combination in any wherein.
According to an embodiment of stored value card method of payment of the present invention, payment terminal also sends to consumption terminal by the signal of this transmission medium by the payment cipher of inputting in payment terminal.
According to an embodiment of stored value card method of payment of the present invention, payment terminal is all transmitted with cipher mode by accounts information and the payment cipher of the signal transmission of this transmission medium.
According to an embodiment of stored value card method of payment of the present invention, consumption terminal sends payment feedback information by the mode of ultrasound wave, Quick Response Code, light signal, Wifi or radiofrequency signal.
According to an embodiment of stored value card method of payment of the present invention, stored value card method of payment also comprises stored value card recharge procedure, and stored value card recharge procedure further comprises:
Platform of user management server is supplemented application generation with money based on Client-initiated and is supplemented order with money, will supplement sequence information and payment account with money and send to payment terminal and account settlement platform server;
After settling accounts successfully by account settlement platform server and payment account system, upgrade the amount of money of the stored value card in payment terminal.
According to an embodiment of stored value card method of payment of the present invention, this transmission medium comprises sound wave, Wifi or radiofrequency signal.
The present invention contrasts prior art following beneficial effect: the solution of the present invention is that an application program is installed on mobile terminal, in this application program, arrange a stored value card and and payment account bind, with payment account, stored value card is supplemented with money before use, when paying, with stored value card, carry out the payment under line.And, in payment process, by sound wave, Wifi or radiofrequency signal, as medium, realize.Under the line of conventional brush cassette, pay, stored value card method of payment of the present invention is all even better aspect convenience, security or cost control.
Accompanying drawing explanation
Fig. 1 shows the block diagram of the preferred embodiment of Payment System of Electronic Purse of the present invention.
Fig. 2 shows the process flow diagram of the preferred embodiment of stored value card method of payment of the present invention.
Fig. 3 shows the schematic diagram of the account of payment terminal and the corresponding relation of bank card.
Fig. 4 shows the schematic diagram of the account of consumption terminal and the corresponding relation of bank card.
Fig. 5 shows the process flow diagram that stored value card is supplemented with money.
Embodiment
After reading in conjunction with the following drawings the detailed description of embodiment of the present disclosure, can understand better above-mentioned feature and advantage of the present invention.In the accompanying drawings, each assembly is not necessarily drawn in proportion, and the assembly with similar correlation properties or feature may have identical or close Reference numeral.
the embodiment of Payment System of Electronic Purse
Fig. 1 shows the block diagram of the preferred embodiment of Payment System of Electronic Purse of the present invention.Refer to Fig. 1, the system of the present embodiment comprises: payment terminal 1 and consumption terminal 2, preferably can also comprise account settlement platform server 3 and platform of user management server 4.
Payment terminal 1 can be any suitable portable terminal, such as cell phone, satellite phone, wireless phone, personal digital assistant (PDA), the portable equipment with wireless connections ability, computing equipment or be connected to other treatment facilities of radio modem etc.Payment terminal 1 utilizes a transmission medium and consumption terminal 2 to communicate, and this transmission medium is such as being sound wave, Wifi or radiofrequency signal etc.
Platform of user management server 4 can be realized the management of user profile.Payment terminal 1 can be passed through wireless communication system calling party management platform server 4.The wireless communication system here can be such as CDMA, TDMA, FDMA, OFDMA, SC-FDMA and other system.Cdma system can be realized radiotelegraphys such as universal terrestrial radio electricity access (UTRA), cdma2000.UTRA comprises wideband CDMA (W-CDMA) and other CDMA variants.In addition, cdma2000 is contained IS-2000, IS-95 and IS-856 standard.Tdma system can be realized such as radiotelegraphys such as global system for mobile communicationss (GSM).OFDMA system can realize such as evolved UTRA (E-UTRA), Ultra-Mobile Broadband (UMB), IEEE802.11 (Wi-Fi), IEEE802.16 (WiMAX), IEEE802.20,
deng and so on radiotelegraphy.In addition, these wireless communication systems also can comprise and usually use non-matching for example, without the equity of licensed spectrum, 802.xx WLAN, bluetooth and any other short distance or long-range wireless communication technology (, mobile to movement) self-organization (ad hoc) network system.
Platform of user management server 4 comprises Registering modules 41.User passes through payment terminal 1 to platform of user management server 4 request registration.Please be simultaneously referring to Fig. 3, Registering modules 41, for registered user's account, responds the registration request of payment terminal 1, and Registering modules 41 is a user account of payment terminal 1 registration, and user account is the user identity of consumption, corresponding to user's stored value card.These are registered relevant user profile and can be stored on platform of user management server 4, for example, be stored in the database of platform of user management 4.User can select certain bank card of binding in registered user's account, the acquiescence bank card that the bank card of this binding is just supplemented with money stored value card corresponding to account as user, user submits the request that bank card and this user account are bound mutually in the present embodiment, can submit the bank card information of corresponding bank card simultaneously to, such as card number, bank of deposit, holder name, identification card number etc., wait until platform of user management 4.Platform of user management 4 can be for example by account settlement platform 3 described below, and the bank card information that user is submitted to sends to bank and verifies.For example, platform of user management 4 can be submitted to account settlement platform server 3 according to specified interface and communication protocol by information by the information of user's packing, the interface that account settlement platform server 3 provides according to payment transaction system and communication protocol to bank, and receive the verification tip of bank feedback by information reporting.
If be proved to be successful, platform of user management 4 can be bound this user account and this bank card mutually.User can bind multiple bank cards for this user account, the bank card of acquiescence can be set, or when stored value card is supplemented with money, select corresponding bank card to pay simultaneously.
After binding bank card, user can set the payment cipher of stored value card by payment terminal 1, and in response to user's input, Registering modules 41 can arrange the payment cipher of stored value card.Meanwhile, when user forgets this payment cipher, can give or reset payment cipher for change by bank card related information or the associated identity information of individual.Payment cipher can comprise numerical ciphers, also can comprise gesture password etc.The bank card information of at least one bank card of this user account, payment cipher and binding can be stored in the database of platform of user management server 4.
Certainly, user also can be chosen in when supplementing with money more selected bank card.The remaining sum of the stored value card in payment terminal 1 is stored in one of them of terminal software, chip card and storer of payment terminal 1, or any one central combination.
After registered user's account, user can arrange corresponding login password, and can use payment terminal 1 this user account of login.If user forgets login password, can give former login password for change, give the mode of password for change and can pass through short-message verification, mailbox checking or the checking of identity related information etc., as known to those skilled in the art.
Payment terminal 1 can realize registration request, the password setting of above-mentioned user account, the binding of bank card by corresponding payment software.This payment software can be arranged in payment terminal 1.For example, user can open this payment software in payment terminal 1, carries out registration, the management of user account by this payment software, preferably can also realize binding, the acquiescence setting of bank card and the binding of bank card of bank card and remove etc.
And on consumption terminal 2, refer to Fig. 4, which is provided with merchant account, together with the bank card binding under merchant account and trade company.Identical with the principle of the binding of user's bank card with the user account in payment terminal 1, the merchant account on consumption terminal 2 and the bank card under it also bind together in the same way, and detailed process does not repeat herein.
User, after having realized the registration of user account, also can use payment account (one of them is exemplified as bank card, below take bank card describe as example) to supplement with money user account.The principle of supplementing with money refers to Fig. 5, in the present embodiment, take and when user registers, bound bank card and illustrate as example, first by user, in payment terminal 1, initiate charging request, for example user clicks and supplements button with money in the user interface of payment software, input recharge amount, initiates charging request (step 1.).
The charging request of platform of user management server 4 based on receiving produces supplements order with money, and will supplement order number with money and send to payment terminal 1 (step 2.), meanwhile will supplement order number with money and send to account settlement platform server 3, by account settlement platform, record (step 3.).
Payment terminal 1 is supplemented with money after order number receiving, and user carries out the input (step 4.) of payment cipher in payment terminal 1.And then by platform of user management server 4 validation of payment passwords, after confirming the validity by bank's card number of user binding, supplement sequence information (as information such as order number and recharge amounts) with money and send to account settlement platform server 3 (step 5.).
Account settlement platform server 3, according to the interface of withholing of bank, sends to banking system (step 6.) by bank information and the deducted amount of user's binding.After bank's confirmation is correct, fund is squeezed into the bank card account (step 7.) on account settlement platform server 3.
Bank's fund, after account, upgrades the amount information (step 8.) of stored value card and the amount information (step 9.) of the demonstration in payment terminal 1 on platform of user management server 4.
Certainly, as aforementioned content, record, user can select bank card when supplementing with money again, but compares with the example of binding bank card, is all identical in flow process, and difference is only that bank card is that bind in advance or interim selected.
The principle paying based on stored value card is shown in Figure 2, and payment terminal 1, when near consumption terminal 2, is sent user account information to consumption terminal 2 by transmission medium (sound wave, Wifi or radiofrequency signal).Payment software in payment terminal 1 generates user's payment interface, show the information such as consumption order number, the amount of money, user need to confirm an order, in user's payment interface of payment software, input payment cipher (payment cipher has two kinds of modes of payments simultaneously, a kind of is to input on the interface of payment software, and a kind of is key-press input on keyboard on POS terminal device 22).User account information is sent to consumption terminal 2 (step 1.) together with payment cipher.Preferably, the mode that user account information and payment cipher send by transmission medium signal is that the mode of encrypting realizes.
Communication between payment terminal 1 and consumption terminal 2 realizes by sound wave, Wifi or radiofrequency signal, particularly, corresponding coding module can be set in payment terminal 1, to carry out the coding (such as the coding of sonic transmissions, the coding of radiofrequency signal etc.) of original signal.The encryption and the coding that it should be noted that user account information and payment cipher are two independently processes, both can first encode and encrypt afterwards, also can first be encrypted rear coding.At consumption terminal 2 places, corresponding decoder module is set, with processing (such as sound wave decoding, radiofrequency signal decoding etc.) that the next information of coding transmission is decoded simultaneously.For consumption terminal 2, its structure can be that the integrated decoder module of conventional P OS machine is realized, and can be also computing machine realizes in conjunction with the mode of demoder, or demoder and POS machine are two assemblies of Dan Li.In the present embodiment, consumption terminal 2 can be a POS machine terminal, in following description, with POS end 2, replaces consumption terminal 2.
POS end 2 is after receiving user account information, by the mode of ultrasound wave, Quick Response Code, light signal, Wifi or radiofrequency signal, send and pay feedback information to payment terminal 1, and the payment feedback information based on receiving upgrades the remaining sum (step 2.) of stored value card by payment terminal 1.
On account settlement platform server 3, receive the request (step 3.) of the amount of money clearing that send on server.Account settlement platform server carries out the amount of money clearing of the user account in payment terminal, the remaining sum on the stored value card of the user account in update server (step 4.) on account settlement platform.Settlement platform can be regularly and trade company settle accounts.
the embodiment of stored value card method of payment
The main body of stored value card method of payment is the payment flow based on stored value card, has comprised in addition the registration of user account and the recharge procedure of bank card binding flow process and stored value card.With regard to these three flow processs, describe respectively below.
the registration of user account and bank card binding flow process:
User registers and bank card binding to platform of user management server request by payment terminal.Please be simultaneously referring to Fig. 3, first, the registration request of platform of user management server response payment terminal, is a user account of payment terminal registration, user account is the user identity of stored value card consumption, corresponding to user's stored value card.These are registered relevant user profile and can be stored on platform of user management server, for example, be stored in the database of platform of user management.
After registered user's account, user can arrange corresponding login password, and can use payment terminal to login this user account.If user forgets login password, can give former login password for change, give the mode of password for change and can pass through short-message verification, mailbox checking or the checking of identity related information etc., as known to those skilled in the art.
User logins after this user account, can submit the request that bank card and this user account are bound mutually to.User can submit the bank card information of bank card to, such as card number, bank of deposit, holder name, identification card number etc., waits until platform of user management.Platform of user management can for example pass through account settlement platform, and the bank card information that user is submitted to sends to bank and verifies.For example, platform of user management can be submitted to account settlement platform server according to specified interface and communication protocol by information by the information of user's packing, the interface that account settlement platform server provides according to payment transaction system and communication protocol to bank, and receive the verification tip of bank feedback by information reporting.
If be proved to be successful, this user account (stored value card) and this bank card can be bound mutually.User can bind multiple bank cards for this user account, the bank card of acquiescence can be set, or when stored value card is supplemented with money, select corresponding bank card to pay simultaneously.
After binding bank card, user can set the payment cipher of stored value card by payment terminal, the payment cipher of stored value card can be set in response to user's input.Meanwhile, when user forgets this payment cipher, can give or reset payment cipher for change by bank card related information or the associated identity information of individual.Payment cipher can comprise numerical ciphers, also can comprise gesture password etc.The bank card information of at least one bank card of this user account, payment cipher and binding can be stored in the database of platform of user management server.
Payment terminal can realize registration request, the password setting of above-mentioned user account, the binding of bank card by corresponding payment software.This payment software can be arranged in payment terminal.For example, user can open this payment software in payment terminal, carries out registration, the management of user account by this payment software, and the binding of bank card, the acquiescence setting of bank card and the binding of bank card are removed etc.
the recharge procedure of stored value card:
Recharge procedure refers to Fig. 5, first by user, in payment terminal, is initiated charging request, and for example user clicks and supplements button with money in the user interface of payment software, and input recharge amount, initiates charging request.
The charging request of platform of user management server based on receiving produces supplements order with money, and will supplement sequence information (comprising information such as supplementing order number, recharge amount with money) with money and send to payment terminal, meanwhile will supplement order number with money and send to account settlement platform server, by account settlement platform, be recorded.
Payment terminal is supplemented with money after sequence information receiving, and after confirming the validity, bank's card number, order number and the recharge amount of user's binding is sent to account settlement platform server.The binding of bank card is only an example of the present invention, and in another example of the present invention, without carry out the binding of bank card when registering, but a bank card of interim selection is supplemented with money when supplementing with money.In addition, bank card be only also stored value card supplement with money for example, other payment accounts that are similar to bank card are all applicable to the flow process of the present embodiment.
Account settlement platform server, according to the interface of withholing of bank, sends to banking system by bank information and the deducted amount of user's binding.After bank's confirmation is correct, fund is squeezed into the bank card account on account settlement platform server.
Bank's fund, after account, upgrades the amount information of stored value card on platform of user management server and the amount information of the stored value card of the demonstration in payment terminal.
the payment flow of stored value card:
The principle paying based on stored value card is shown in Figure 2, and payment terminal, when near consumption terminal, is sent user account information to consumption terminal.Payment software in payment terminal generates user's payment interface, show the information such as consumption order number, the amount of money, user need to confirm an order, simultaneously by inputting payment cipher (or keyboard on POS terminal device input payment cipher) in the user's payment interface in payment software.User account information for example, is sent to consumption terminal in the mode (sound wave, Wifi or radiofrequency signal) of the signal of a certain transmission medium together with payment cipher.Preferably, the mode that user account information and payment cipher send by above-mentioned transmission medium is that the mode of encrypting realizes.
Communication between payment terminal and consumption terminal realizes by sound wave, Wifi or radiofrequency signal, particularly, corresponding coding module can be set in payment terminal, to carry out the coding (such as the coding of sonic transmissions, the coding of radiofrequency signal etc.) of original signal.And the encryption of user account information and payment cipher and coding are two independently processes, both can first encode and encrypt afterwards, also can first be encrypted rear coding.At consumption terminal place, corresponding decoder module is set, with processing (such as sound wave decoding, radiofrequency signal decoding etc.) that the next information of coding transmission is decoded simultaneously.For consumption terminal, its structure can be that the integrated decoder module of conventional P OS machine is realized, and can be also computing machine realizes in conjunction with the mode of demoder, or demoder and POS machine are two assemblies of Dan Li.In the present embodiment, consumption terminal can be a POS machine terminal.
Consumption terminal is after receiving these information, by the mode of ultrasound wave, Quick Response Code, light signal, Wifi or radiofrequency signal, send and pay feedback information to payment terminal, and the payment feedback information based on receiving upgrades the remaining sum of stored value card by payment terminal.
On account settlement platform server, on account settlement platform, carry out the amount of money clearing of the user account in payment terminal, and the remaining sum of the stored value card of the user account in update server.Settlement platform can be regularly and trade company settle accounts.
Although said method is illustrated and is described as a series of actions for making to explain to simplify, it should be understood that and understand, the order that these methods are not moved is limit, because according to one or more embodiment, some actions can by different order occur and/or with from illustrating herein and describe or not shown and describe but other actions that it will be appreciated by those skilled in the art that occur concomitantly herein.
Those skilled in the art will further understand, and various illustrative logic plates, module, circuit and the algorithm steps in conjunction with embodiment disclosed herein, described can be embodied as electronic hardware, computer software or the two combination.For clearly explaining orally this interchangeability of hardware and software, various illustrative components, frame, module, circuit and step are done vague generalization with its functional form in the above and are described.This type of is functional is implemented as the design constraint that hardware or software depend on concrete application and puts on total system.Technician can realize by different modes described functional for every kind of application-specific, but such realize decision-making and should not be interpreted to and cause having departed from scope of the present invention.
Various illustrative logic plates, module and the circuit of describing in conjunction with embodiment disclosed herein can be realized or carry out with any combination that general processor, digital signal processor (DSP), special IC (ASIC), field programmable gate array (FPGA) or other programmable logic device (PLD), discrete or transistor logic, discrete nextport hardware component NextPort or its are designed to carry out function described herein.General processor can be microprocessor, but in alternative, this processor can be processor, controller, microcontroller or the state machine of any routine.Processor can also be implemented as the combination of computing equipment, for example combination of DSP and microprocessor, multi-microprocessor, with one or more microprocessors or any other this type of configuration of DSP central cooperation.
The method of describing in conjunction with embodiment disclosed herein or the step of algorithm can be embodied directly in hardware, in the software module of being carried out by processor or in the two combination and embody.Software module can reside in the storage medium of RAM storer, flash memory, ROM storer, eprom memory, eeprom memory, register, hard disk, removable dish, CD-ROM or any other form known in the art.Exemplary storage medium is coupled to processor so that this processor can read and writing information from/to this storage medium.In alternative, storage medium can be integrated into processor.Processor and storage medium can reside in ASIC.ASIC can reside in user terminal.In alternative, processor and storage medium can be used as discrete assembly and reside in user terminal.
In one or more exemplary embodiments, described function can realize in hardware, software, firmware or its any combination.If be embodied as computer program in software, each function can be used as one or more instructions or code storage on computer-readable medium or mat its transmit.Computer-readable medium comprises computer-readable storage medium and communication media, and it comprises any medium of facilitating computer program to shift to another ground from a ground.Storage medium can be can be by any usable medium of computer access.As example and non-limiting, such computer-readable medium can comprise RAM, ROM, EEPROM, CD-ROM or other optical disc storage, disk storage or other magnetic storage apparatus, maybe can be used to carry or store instruction or data structure form desirable program code and can be by any other medium of computer access.Any connection is also by rights called computer-readable medium.For example, if software be use concentric cable, fiber optic cables, twisted-pair feeder, digital subscribe lines (DSL) or the wireless technology such as infrared, radio and microwave from web website, server or other remote source transmit, this concentric cable, fiber optic cables, twisted-pair feeder, DSL or the wireless technology such as infrared, radio and microwave are just included among the definition of medium.Dish (disk) and dish (disc) comprise compact disc (CD), laser dish, laser disc, digital versatile dish (DVD), floppy disk and blu-ray disc as used herein, its mid-game (disk) is often with the mode rendering data of magnetic, and dish (disc) with laser with optical mode rendering data.Above-mentioned combination also should be included in the scope of computer-readable medium.
Providing previous description of the present disclosure is for making any person skilled in the art all can make or use the disclosure.To various modifications of the present disclosure, will be all apparent for a person skilled in the art, and generic principles as defined herein can be applied to other variants and can not depart from spirit or scope of the present disclosure.Thus, the disclosure is not intended to be defined to example described herein and design, but should be awarded the widest scope consistent with principle disclosed herein and novel features.
Claims (17)
1. a Payment System of Electronic Purse, comprises payment terminal and consumption terminal, wherein:
Payment terminal, sends accounts information to consumption terminal by a propagation medium; And
Consumption terminal, receives after accounts information, send and pay feedback information to payment terminal, and the payment feedback information based on receiving upgrades the remaining sum of stored value card by payment terminal.
2. Payment System of Electronic Purse according to claim 1, is characterized in that, Payment System of Electronic Purse also comprises:
Account settlement platform server carries out the amount of money clearing of the user account in payment terminal, the remaining sum on the stored value card of the user account in update server on account settlement platform.
3. Payment System of Electronic Purse according to claim 2, is characterized in that, Payment System of Electronic Purse also comprises:
Platform of user management server, sets up data communication with account settlement platform server, payment terminal respectively, and wherein platform of user management server comprises:
Registering modules, receives Client-initiated registration request, based on registration request, distributes a user account, and wherein user account representative is used for the user identity of consuming, the stored value card of respective user.
4. Payment System of Electronic Purse according to claim 1, is characterized in that, the remaining sum of stored value card is stored in one of them of the terminal software of payment terminal, chip card and storer or wherein combination arbitrarily.
5. Payment System of Electronic Purse according to claim 1, is characterized in that, payment terminal sends to consumption terminal by the signal of this propagation medium by the payment cipher of inputting in payment terminal.
6. Payment System of Electronic Purse according to claim 5, is characterized in that, payment terminal is all transmitted with cipher mode by accounts information and the payment cipher of the signal transmission of this propagation medium.
7. Payment System of Electronic Purse according to claim 3, it is characterized in that, platform of user management server is supplemented with money after order is supplemented in application generation with money and is sent to payment terminal based on Client-initiated, and by payment account with supplement sequence information with money and send to account settlement platform server, after settling accounts successfully by account settlement platform server and payment account system, upgrade the amount of money of the stored value card in payment terminal.
8. according to the Payment System of Electronic Purse described in any one in claim 1-7, it is characterized in that, this transmission medium comprises sound wave, Wifi or radiofrequency signal.
9. a stored value card method of payment, comprising:
Payment terminal sends accounts information to consumption terminal by a propagation medium;
Consumption terminal receives after accounts information, sends and pays feedback information to payment terminal; And
Payment terminal is upgraded the remaining sum of stored value card after receiving payment feedback information.
10. stored value card method of payment according to claim 9, is characterized in that, this method of payment also comprises:
Account settlement platform server carries out the amount of money clearing of the user account in payment terminal, the remaining sum on the stored value card of the user account in update server on account settlement platform.
11. stored value card methods of payment according to claim 9, is characterized in that, also comprise Account Registration flow process in stored value card method of payment, and Account Registration flow process comprises:
Payment terminal registered user's account and corresponding stored value card thereof, and upload to platform of user management server.
12. stored value card methods of payment according to claim 9, is characterized in that, the remaining sum of stored value card is stored in one of them of the terminal software of payment terminal, chip card and storer or combination in any wherein.
13. stored value card methods of payment according to claim 9, is characterized in that, payment terminal also sends to consumption terminal by the signal of this transmission medium by the payment cipher of inputting in payment terminal.
14. stored value card methods of payment according to claim 13, is characterized in that, payment terminal is all transmitted with cipher mode by accounts information and the payment cipher of the signal transmission of this transmission medium.
15. stored value card methods of payment according to claim 9, is characterized in that, consumption terminal sends payment feedback information by the mode of ultrasound wave, Quick Response Code, light signal, Wifi or radiofrequency signal.
16. stored value card methods of payment according to claim 10, is characterized in that, stored value card method of payment also comprises stored value card recharge procedure, and stored value card recharge procedure further comprises:
Platform of user management server is supplemented application generation with money based on Client-initiated and is supplemented order with money, will supplement sequence information and payment account with money and send to payment terminal and account settlement platform server;
After settling accounts successfully by account settlement platform server and payment account system, upgrade the amount of money of the stored value card in payment terminal.
17. according to the stored value card method of payment described in any one in claim 9-16, it is characterized in that, this transmission medium comprises sound wave, Wifi or radiofrequency signal.
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| CN201410183006.7A CN104166915B (en) | 2014-04-30 | 2014-04-30 | Stored value card method of payment and system |
| PCT/CN2015/082863 WO2015165427A1 (en) | 2014-04-30 | 2015-06-30 | Electronic wallet-based payment method and system |
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| CN201410183006.7A CN104166915B (en) | 2014-04-30 | 2014-04-30 | Stored value card method of payment and system |
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| CN104166915B CN104166915B (en) | 2016-06-29 |
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