CN104166915B - Stored value card method of payment and system - Google Patents
Stored value card method of payment and system Download PDFInfo
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- CN104166915B CN104166915B CN201410183006.7A CN201410183006A CN104166915B CN 104166915 B CN104166915 B CN 104166915B CN 201410183006 A CN201410183006 A CN 201410183006A CN 104166915 B CN104166915 B CN 104166915B
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- 238000012011 method of payment Methods 0.000 title claims abstract description 34
- 238000000034 method Methods 0.000 claims abstract description 25
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- 238000007726 management method Methods 0.000 claims description 41
- 230000027455 binding Effects 0.000 claims description 22
- 238000009739 binding Methods 0.000 claims description 22
- 230000005540 biological transmission Effects 0.000 claims description 16
- 238000004891 communication Methods 0.000 claims description 13
- 239000013589 supplement Substances 0.000 claims description 13
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- 230000003287 optical effect Effects 0.000 claims description 5
- 238000002604 ultrasonography Methods 0.000 claims description 4
- 238000012545 processing Methods 0.000 claims description 3
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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 a kind of stored value card method of payment and system, improve payment efficiency on the one hand, also enhance safety of payment on the other hand, and this scheme is very low cost, be thus advantageous to large-scale replicate and promote.Its technical scheme is: install an application program on mobile terminals, this application program arranges a stored value card and binds with bank card, with bank card, stored value card is supplemented with money before use, carry out the payment under line when paying with stored value card.And, realize as medium with sound wave, Wifi or radiofrequency signal in payment process.Paying than under the line of conventional brush cassette, the stored value card method of payment of the present invention is all even better in convenience, safety or cost control.
Description
Technical field
The present invention relates to method of payment and system, particularly relate to the stored value card method of payment based on mobile equipment and system.
Background technology
At present, consumer can pass through bank card (such as, credit or debit card or third party's bank card) when transacting business payment and swipes the card on POS end clearing.This traditional " card-scanning type " is although method of payment can allow consumer avoid carrying with buckets of cash, but bank card still must carry to carry out payment of swiping the card in consumer, and this makes transaction payment be restricted.
Summary of the invention
The brief overview of one or more aspect given below is to provide the basic comprehension to these aspects.This summarizes the extensive overview of the not all aspect contemplated, and is both not intended to identify the key or decisive key element also non-scope attempting to define any or all aspect of all aspects.Its some concepts being uniquely intended to provide in simplified form one or more aspect think the sequence of more detailed description given later.
It is an object of the invention to solve the problems referred to above, it is provided that a kind of stored value card method of payment and system, improve payment efficiency on the one hand, also enhance safety of payment on the other hand, and this scheme is very low cost, be thus advantageous to large-scale replicate and promote.
The technical scheme is that and present invention is disclosed a kind of Payment System of Electronic Purse, including payment terminal and consumption terminal, wherein:
Payment terminal, sends accounts information to consumption terminal by a propagation medium；And
Consumption terminal, after receiving accounts information, sends payment feedback information to payment terminal, and is updated the remaining sum of stored value card by payment terminal based on the feedback information that pays received.
One embodiment of the Payment System of Electronic Purse according to the present invention, Payment System of Electronic Purse also includes:
Account settlement Platform Server, carries out the amount balance of user account in payment terminal on account settlement platform, updates the remaining sum on the stored value card of the user account on server.
One embodiment of the Payment System of Electronic Purse according to the present invention, Payment System of Electronic Purse also includes:
Platform of user management server, sets up data communication with account settlement Platform Server, payment terminal respectively, and wherein platform of user management server includes:
Registering modules, receives Client-initiated registration request, distributes a user account based on registration request, and wherein user account represents the user identity for consuming, the stored value card of corresponding user.
One embodiment of the Payment System of Electronic Purse according to the present invention, the remaining sum of stored value card is stored in one of them or any of which combination of the terminal software of payment terminal, chip card and memorizer.
One embodiment of the Payment System of Electronic Purse according to the present invention, the payment cipher that payment terminal inputs is sent to consumption terminal by the signal of this propagation medium by payment terminal.
One embodiment of the Payment System of Electronic Purse according to the present invention, accounts information and payment cipher that payment terminal is sent by the signal of this propagation medium all cryptographically transmit.
One embodiment of the Payment System of Electronic Purse according to the present invention, platform of user management server is supplemented with money after order is supplemented in application generation with money based on Client-initiated and is sent to payment terminal, and by payment account with supplement sequence information with money and be sent to account settlement Platform Server, after account settlement Platform Server and the success of payment account system settlement, the amount of money of the stored value card in renewal payment terminal.
One embodiment of the Payment System of Electronic Purse according to the present invention, this transmission medium comprises sound wave, Wifi or radiofrequency signal.
Present invention further teaches a kind of stored value card method of payment, including:
Payment terminal sends accounts information to consumption terminal by a propagation medium；
After consumption terminal receives accounts information, send payment feedback information to payment terminal；And
Payment terminal updates the remaining sum of stored value card after receiving payment feedback information.
One embodiment of the stored value card method of payment according to the present invention, this method of payment also includes:
Account settlement Platform Server carries out the amount balance of the user account in payment terminal on account settlement platform, updates the remaining sum on the stored value card of the user account on server.
One embodiment of the stored value card method of payment according to the present invention, also includes Account Registration flow process in stored value card method of payment, Account Registration flow process includes:
The stored value card of payment terminal registration user account and correspondence thereof, and upload to platform of user management server.
One embodiment of the stored value card method of payment according to the present invention, the remaining sum of stored value card is stored in one of them or wherein combination in any of the terminal software of payment terminal, chip card and memorizer.
One embodiment of the stored value card method of payment according to the present invention, the payment cipher that payment terminal inputs is sent to consumption terminal also by the signal of this transmission medium by payment terminal.
One embodiment of the stored value card method of payment according to the present invention, accounts information and payment cipher that payment terminal is sent by the signal of this transmission medium all cryptographically transmit.
One embodiment of the stored value card method of payment according to the present invention, consumption terminal sends payment feedback information by the mode of ultrasound wave, Quick Response Code, optical signal, Wifi or radiofrequency signal.
One embodiment of the stored value card method of payment according to the present invention, stored value card method of payment also includes stored value card recharge procedure, and stored value card recharge procedure farther includes:
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 with money and payment account is sent to payment terminal and account settlement Platform Server；
After account settlement Platform Server and the success of payment account system settlement, the amount of money of the stored value card in renewal payment terminal.
One embodiment of the stored value card method of payment according to 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 to install an application program on mobile terminals, this application program arranges a stored value card and binds with payment account, with payment account, stored value card is supplemented with money before use, carry out the payment under line when paying with stored value card.And, realize as medium with sound wave, Wifi or radiofrequency signal in payment process.Paying than under the line of conventional brush cassette, the stored value card method of payment of the present invention is all even better in convenience, safety or cost control.
Accompanying drawing explanation
Fig. 1 illustrates the block diagram of the preferred embodiment of the Payment System of Electronic Purse of the present invention.
Fig. 2 illustrates the flow chart of the preferred embodiment of the stored value card method of payment of the present invention.
Fig. 3 illustrates the account of payment terminal and the schematic diagram of the corresponding relation of bank card.
Fig. 4 illustrates the account of consumption terminal and the schematic diagram of the corresponding relation of bank card.
Fig. 5 illustrates the flow chart that stored value card is supplemented with money.
Detailed description of the invention
After reading the detailed description that embodiment of the disclosure in conjunction with the following drawings, it is possible to be more fully understood that features described above and the advantage of the present invention.In the accompanying drawings, each assembly is not necessarily drawn to scale, and the assembly with similar correlation properties or feature is likely to be of same or like accompanying drawing labelling.
The embodiment of Payment System of Electronic Purse
Fig. 1 illustrates the block diagram of the preferred embodiment of the Payment System of Electronic Purse of the present invention.Referring to Fig. 1, the system of the present embodiment includes: payment terminal 1 and consumption terminal 2, it is advantageous to can also include account settlement Platform Server 3 and platform of user management server 4.
Payment terminal 1 can be any suitable portable terminal, for instance cell phone, satellite phone, wireless phone, personal digital assistant (PDA), has the portable equipment of wireless connection capability, computing equipment or is connected to other process equipment etc. of radio modem.Payment terminal 1 utilizes a transmission medium and consumption terminal 2 to communicate, and this transmission medium is such as sound wave, Wifi or radiofrequency signal etc..
Platform of user management server 4 can realize the management of user profile.Payment terminal 1 can be passed through wireless communication system and access platform of user management server 4.Here wireless communication system can be such as CDMA, TDMA, FDMA, OFDMA, SC-FDMA and other system.Cdma system can realize such as universal terrestrial radio and be electrically accessed the radiotechnics such as (UTRA), cdma2000.UTRA includes wideband CDMA (W-CDMA) and other CDMA variants.Additionally, cdma2000 contains IS-2000, IS-95 and IS-856 standard.Tdma system can realize the radiotechnics such as such as global system for mobile communications (GSM).OFDMA system can realize such as evolved UTRA (E-UTRA), Ultra-Mobile Broadband (UMB), IEEE802.11 (Wi-Fi), IEEE802.16 (WiMAX), IEEE802.20,Or the like radiotechnics.In addition, these wireless communication systems may also include equity (such as, moving movement) self-organizing (adhoc) network system being frequently used non-matching without licensed spectrum, 802.xx WLAN, bluetooth and any other short distance or long-range wireless communication technology.
Platform of user management server 4 includes Registering modules 41.User is registered to platform of user management server 4 request by payment terminal 1.Please referring also to Fig. 3, Registering modules 41 is used for registering user account, the registration request of response payment terminal 1, and Registering modules 41 registers a user account for payment terminal 1, and user account is the user identity of consumption, corresponding to the stored value card of user.The user profile that these registrations are relevant can be stored on platform of user management server 4, for instance is stored in the data base of platform of user management 4.User can select certain bank card of binding while registration user account, the acquiescence bank card that the stored value card that account is corresponding is just supplemented with money by the bank card of this binding as user, user submits the request bound mutually with this user account by bank card in the present embodiment, the bank card information of the bank card of correspondence can be submitted to, for instance card number, bank of deposit, holder name, identification card number etc. wait until platform of user management 4 simultaneously.Platform of user management 4 can such as pass through account settlement platform 3 described below, the bank card information that user submits to is sent to bank and is verified.Such as, the information that user packs can be submitted information into account settlement Platform Server 3 according to specified interface and communication protocol by platform of user management 4, the interface that account settlement Platform Server 3 provides according to payment transaction system with communication protocol by information reporting to bank, and receive the verification tip of bank's feedback.
If being proved to be successful, then this user account can be bound mutually by platform of user management 4 with this bank card.User can bind multiple bank cards for this user account, can arrange the bank card of acquiescence simultaneously, or select when stored value card is supplemented with money corresponding bank card to pay.
After binding bank card, user can pass through payment terminal 1 and set the payment cipher of stored value card, and in response to the input of user, Registering modules 41 can arrange the payment cipher of stored value card.Meanwhile, when user forgets this payment cipher, can give for change by the identity information of bank card related information or individual's association or reset payment cipher.Payment cipher can include numerical ciphers, it is also possible to includes 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 data base of platform of user management server 4.
Certainly, user can also select to select bank card when supplementing with money again.The remaining sum of the stored value card in payment terminal 1 is stored in one of them of the terminal software of payment terminal 1, chip card and memorizer or any one central combination.
After registration user account, user can arrange corresponding login password, and payment terminal 1 can be used to log in this user account.If user forgets login password, can giving former login password for change, the mode giving password for change can pass through short-message verification, mailbox checking or Identity Association Information Authentication etc., as known to those skilled in the art.
Payment terminal 1 can realize the registration request of above-mentioned user account by corresponding payment software, password is arranged, the binding of bank card.This payment software may be mounted in payment terminal 1.Such as, user can open this payment software in payment terminal 1, carries out the registration of user account, management by this payment software, it is advantageous to the binding that can also realize bank card, the acquiescence setting of bank card and bank card binding releasing etc..
And on consumption terminal 2, refer to Fig. 4, and which is provided with merchant account, merchant account is together with the bank card binding belonging to trade company.Identical with the principle of the binding of user's bank card with the user account in payment terminal 1, merchant account and its affiliated bank card on consumption terminal 2 also bind together in the same way, and detailed process does not repeat herein.
User, after the registration achieving user account, also can use payment account (one of them example is bank card, illustrates for bank card below) that user account is supplemented with money.The principle supplemented with money refers to Fig. 5, bind bank card when the present embodiment is registered for user to illustrate, first in payment terminal 1, charging request is initiated by user, such as user clicks in the user interface of payment software and supplements button with money, input recharge amount, initiates charging request (step is 1.).
Platform of user management server 4 produces to supplement order with money based on the charging request received, and order number will be supplemented with money be sent to payment terminal 1 (step is 2.), meanwhile will supplement order number with money and be sent to account settlement Platform Server 3, account settlement platform record (step is 3.).
Payment terminal 1 is after receiving and supplementing order number with money, and user carries out the input (step is 4.) of payment cipher in payment terminal 1.And then by platform of user management server 4 validation of payment password, confirmed effectively after user is bound bank's card number, supplement sequence information (such as the information such as order number and recharge amount) with money and be sent to account settlement Platform Server 3 (step is 5.).
Account settlement Platform Server 3 is according to the interface of withholing of bank, and bank information and the deducted amount bind user are sent to banking system (step is 6.).After bank's confirmation is correct, fund is squeezed into the bank card account (step is 7.) on account settlement Platform Server 3.
Bank's fund, after account, updates the amount information (step is 9.) of display in the amount information (step is 8.) of stored value card on platform of user management server 4 and payment terminal 1.
Certainly, described in foregoing teachings, user can select bank card again when supplementing with money, but compares with the example of binding bank card, flow process is all identical, and it is that bind in advance or interim selected for differing only in bank card.
The principle carrying out paying based on stored value card is shown in Figure 2, and payment terminal 1, when near consumption terminal 2, sends 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, the display consumption information such as order number, the amount of money, user needs to confirm an order, input payment cipher in user's payment interface of payment software (payment cipher has two kinds of means of payment simultaneously, a kind of is input on the interface of payment software, and a kind of is key-press input on keyboard on POS terminal equipment 22).User account information is sent to consumption terminal 2 (step is 1.) together with payment cipher.It is also preferred that the left user account information and payment cipher are realize in the way of encryption by the mode that transmission medium signal sends.
Communication between payment terminal 1 and consumption terminal 2 is made by sound wave, Wifi or what radiofrequency signal realized, specifically, the coding module of correspondence can be set in payment terminal 1, to carry out the coding coding etc. of radiofrequency signal (coding of such as sonic transmissions) of primary signal.It should be noted that the encryption of user account information and payment cipher and coding are two independent processes, both can first be encoded encrypting afterwards, it is also possible to be first encrypted and encode afterwards.The decoder module of correspondence is set at consumption terminal 2 place simultaneously, is decoded processing (such as sound wave decoding, radiofrequency signal decoding etc.) with the information that coding transmission is come.For consumption terminal 2, its structure can be that the tradition integrated decoder module of POS realizes, it is also possible to being computer realizes in conjunction with the mode of decoder, or decoder and POS are two assemblies of Dan Li.In the present embodiment, consumption terminal 2 can be a POS terminal, replaces consumption terminal 2 with POS end 2 in description below.
POS end 2 is after receiving user account information, send payment feedback information to payment terminal 1 by the mode of ultrasound wave, Quick Response Code, optical signal, Wifi or radiofrequency signal, and updated the remaining sum (step is 2.) of stored value card by payment terminal 1 based on the feedback information that pays received.
On account settlement Platform Server 3, receive the request (step is 3.) of the amount balance being sent on server.Account settlement Platform Server carries out the amount balance of the user account in payment terminal on account settlement platform, updates the remaining sum (step is 4.) on the stored value card of the user account on server.Settlement platform can regularly be settled accounts with trade company.
The embodiment of stored value card method of payment
The main body of stored value card method of payment is based on the payment flow of stored value card, additionally includes the registration of user account and the recharge procedure of bank card binding flow process and stored value card.Hereinafter these three flow process is illustrated respectively.
The registration of user account and bank card binding flow process:
User is registered and bank card binding to platform of user management server request by payment terminal.Please referring also to Fig. 3, first, the registration request of platform of user management server response payment terminal, register a user account for payment terminal, user account is the user identity of stored value card consumption, corresponding to the stored value card of user.The user profile that these registrations are relevant can be stored on platform of user management server, for instance is stored in the data base of platform of user management.
After registration user account, user can arrange corresponding login password, and payment terminal can be used to log in this user account.If user forgets login password, can giving former login password for change, the mode giving password for change can pass through short-message verification, mailbox checking or Identity Association Information Authentication etc., as known to those skilled in the art.
After user logs in this user account, it is possible to submit the request bound mutually with this user account by bank card to.User can submit the bank card information of bank card to, for instance card number, bank of deposit, holder name, identification card number etc. wait until platform of user management.Platform of user management can such as pass through account settlement platform, the bank card information that user submits to is sent to bank and is verified.Such as, the information that user packs can be submitted information into account settlement Platform Server according to specified interface and communication protocol by platform of user management, the interface that account settlement Platform Server provides according to payment transaction system with communication protocol by information reporting to bank, and receive the verification tip of bank's feedback.
If being proved to be successful, then this user account (stored value card) can be bound mutually with this bank card.User can bind multiple bank cards for this user account, can arrange the bank card of acquiescence simultaneously, or select when stored value card is supplemented with money corresponding bank card to pay.
After binding bank card, user can pass through payment terminal and set the payment cipher of stored value card, can arrange the payment cipher of stored value card in response to the input of user.Meanwhile, when user forgets this payment cipher, can give for change by the identity information of bank card related information or individual's association or reset payment cipher.Payment cipher can include numerical ciphers, it is also possible to includes 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 data base of platform of user management server.
Payment terminal can realize the registration request of above-mentioned user account by corresponding payment software, password is arranged, the binding of bank card.This payment software may be mounted in payment terminal.Such as, user can open this payment software in payment terminal, carries out the registration of user account, management by this payment software, and the binding releasing of the binding of bank card, the setting of acquiescence bank card and bank card etc..
The recharge procedure of stored value card:
Recharge procedure refers to Fig. 5, is first initiated charging request in payment terminal by user, for instance user clicks in the user interface of payment software and supplements button with money, inputs recharge amount, initiates charging request.
Platform of user management server produces to supplement order with money based on the charging request received, and sequence information (including supplementing the information such as order number, recharge amount with money) will be supplemented with money be sent to payment terminal, meanwhile will supplement order number with money and be sent to account settlement Platform Server, account settlement platform record.
Payment terminal after receiving and supplementing sequence information with money, confirmed effectively after bank's card number, order number and recharge amount that user is bound be sent to account settlement Platform Server.The binding of bank card is only an example of the present invention, in another example of the present invention, it is not necessary to carries out the binding of bank card when registration, but selects when supplementing with money a bank card to supplement with money temporarily.Additionally, the citing that bank card is also only stored value card supplements with money, other payment accounts being similar to bank card are suitable for the flow process of the present embodiment.
Account settlement Platform Server is according to the interface of withholing of bank, and bank information and the deducted amount bind user are sent to banking system.After bank's confirmation is correct, fund is squeezed into the bank card account on account settlement Platform Server.
Bank's fund, after account, updates the amount information of the stored value card of display in the amount information of stored value card on platform of user management server and payment terminal.
The payment flow of stored value card:
The principle carrying out paying based on stored value card is shown in Figure 2, and payment terminal, when near consumption terminal, sends user account information to consumption terminal.Payment software in payment terminal generates user's payment interface, the display consumption information such as order number, the amount of money, user needs to confirm an order, simultaneously by inputting payment cipher (or the keyboard input payment cipher on POS terminal equipment) in user's payment interface of payment software.User account information together with payment cipher in the way of the signal of a certain transmission medium (such as sound wave, Wifi or radiofrequency signal) be sent to consumption terminal.It is also preferred that the left user account information and payment cipher are realize in the way of encryption by the mode that above-mentioned transmission medium sends.
Communication between payment terminal and consumption terminal is made by sound wave, Wifi or what radiofrequency signal realized, specifically, the coding module of correspondence can be set in payment terminal, to carry out the coding coding etc. of radiofrequency signal (coding of such as sonic transmissions) of primary signal.And, the encryption of user account information and payment cipher and coding are two independent processes, both can first be encoded encrypting afterwards, it is also possible to be first encrypted and encode afterwards.The decoder module of correspondence is set at consumption terminal place simultaneously, is decoded processing (such as sound wave decoding, radiofrequency signal decoding etc.) with the information that coding transmission is come.For consumption terminal, its structure can be that the tradition integrated decoder module of POS realizes, it is also possible to being computer realizes in conjunction with the mode of decoder, or decoder and POS are two assemblies of Dan Li.In the present embodiment, consumption terminal can be a POS terminal.
Consumption terminal, after receiving these information, sends payment feedback information to payment terminal by the mode of ultrasound wave, Quick Response Code, optical signal, Wifi or radiofrequency signal, and is updated the remaining sum of stored value card by payment terminal based on the feedback information that pays received.
Account settlement Platform Server carries out the amount balance of user account in payment terminal on account settlement platform, and updates the remaining sum of the stored value card of user account on server.Settlement platform can regularly be settled accounts with trade company.
Although said method is illustrated for making explanation simplify and is described as a series of actions, it should be understood that and understand, these methods not order by action is limit, because according to one or more embodiments, some actions can occur in different order and/or with from depicted and described herein or not shown herein and describe but other actions that it will be appreciated by those skilled in the art that occur concomitantly.
Those skilled in the art will further appreciate that, the various illustrative logic plates, module, circuit and the algorithm steps that describe in conjunction with the embodiments described herein can be embodied as electronic hardware, computer software or combination of the two.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 herein above and are described.This type of is functional is implemented as hardware or software depends on specifically applying and putting on the design constraint of total system.Technical staff can realize described functional for every kind of application-specific by different modes, but such realize decision-making and should not be interpreted to and cause departing from the scope of the present invention.
The various illustrative logic plates, module and the circuit that describe in conjunction with presently disclosed embodiment can realize with general processor, digital signal processor (DSP), special IC (ASIC), field programmable gate array (FPGA) or other PLD, discrete door or transistor logic, discrete nextport hardware component NextPort or its any combination being designed to carry out function described herein or perform.General processor can be microprocessor, but in alternative, this processor can be the processor of any routine, controller, microcontroller or state machine.Processor is also implemented as the combination of computing equipment, for instance one or more microprocessors that DSP cooperates with DSP core with the combination of microprocessor, multi-microprocessor or any other this type of configuration.
The method described in conjunction with embodiment disclosed herein or the step of algorithm can be embodied directly in hardware, in the software module performed by processor or embody in combination of the two.Software module can reside in the storage medium of RAM memory, flash memory, ROM memory, eprom memory, eeprom memory, depositor, 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 write 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 resident in the user terminal as discrete assembly.
In one or more exemplary embodiments, described function can realize in hardware, software, firmware or its any combination.If being embodied as computer program in software, then each function can store on a computer-readable medium as one or more bar instructions or code or mat its transmit.Computer-readable medium includes computer-readable storage medium and communication media, and it includes any medium facilitating computer program to shift to another ground from a ground.Storage medium can be any usable medium that can be accessed by the computer.Exemplarily non-limiting, such computer-readable medium can include RAM, ROM, EEPROM, CD-ROM or other optical disc storage, disk storage or other magnetic storage apparatus, the desirable program code that maybe can be used to carry or store instruction or data structure form and other medium any that can be accessed by the computer.Any connection is also properly termed a computer-readable medium.Such as, if software is to use coaxial cable, fiber optic cables, twisted-pair feeder, numeral subscriber's line (DSL) or the wireless technology of such as infrared, radio and microwave etc from web site, server or other remote source transmission, then the wireless technology of this coaxial cable, fiber optic cables, twisted-pair feeder, DSL or such as infrared, radio and microwave etc is just included among the definition of medium.Dish as used herein (disk) and dish (disc) include compact disc (CD), laser dish, laser disc, digital versatile dish (DVD), floppy disk and blu-ray disc, its mid-game (disk) often reproduces data in the way of magnetic, and dish (disc) reproduces data optically with laser.Combinations of the above also should be included within the scope of computer readable media.
Thering is provided of this disclosure being previously described is for making any person skilled in the art all can make or use the disclosure.Various amendment of this disclosure all will be apparent from for a person skilled in the art, and the generic principles defined herein can be applied to other variants spirit or scope without departing from the disclosure.Thus, the disclosure is not intended to be limited to example described herein and design, but with disclosed herein principle and novel features consistent the widest scope should be awarded.
Claims (11)
1. a Payment System of Electronic Purse, including:
Payment terminal, accounts information and payment cipher is sent to consumption terminal by a propagation medium, including coding module, accounts information and payment cipher are encoded and encrypt, described payment cipher is the payment cipher of input in user's payment interface that described payment terminal receives, and is encrypted and is encoded to first to be encrypted to described accounts information and payment cipher and encode afterwards；And
Consumption terminal, after receiving accounts information, send payment feedback information to payment terminal, and updated the remaining sum of stored value card by payment terminal based on the feedback information that pays received, described consumption terminal includes decoder module, to coding transmission come accounts information and payment cipher is decoded and decryption processing；
Account settlement Platform Server, carries out the amount balance of user account in payment terminal on account settlement platform, updates the remaining sum on the stored value card of the user account on server；
Platform of user management server, sets up data communication with account settlement Platform Server, payment terminal respectively, and platform of user management is by described user account and multiple bank card bindings, and wherein platform of user management server includes:
Registering modules, receives Client-initiated registration request, distributes a user account based on registration request, and wherein user account represents the user identity for consuming, the stored value card of corresponding user.
2. Payment System of Electronic Purse according to claim 1, it is characterised in that the remaining sum of stored value card is stored in one of them or any of which combination of the terminal software of payment terminal, chip card and memorizer.
3. Payment System of Electronic Purse according to claim 1, it is characterized in that, platform of user management server is supplemented with money after order is supplemented in application generation with money based on Client-initiated and is sent to payment terminal, and by payment account with supplement sequence information with money and be sent to account settlement Platform Server, after account settlement Platform Server and the success of payment account system settlement, the amount of money of the stored value card in renewal payment terminal.
4. the Payment System of Electronic Purse according to any one of claim 1-3, it is characterised in that this propagation medium comprises sound wave, Wifi or radiofrequency signal.
5. a stored value card method of payment, including:
User to the registration of platform of user management server request and bank card binding, the registration request of platform of user management server response payment terminal by payment terminal, is registered a user account for payment terminal, and is bound mutually with multiple bank cards by described user account；
Payment terminal is passed through a propagation medium to consumption terminal and is sent accounts information and payment cipher, described payment cipher is the payment cipher of input in user's payment interface that described payment terminal receives, including step: accounts information and payment cipher are encrypted and encode, and encoded and encryption accounts information and payment cipher are sent by a propagation medium, it is encrypted and is encoded to first to be encrypted to described accounts information and payment cipher and encode afterwards；
Consumption terminal receives the signal that sends of payment terminal and is decoded signal and deciphers obtaining accounts information and payment cipher, then sends payment feedback information to payment terminal；And
Payment terminal updates the remaining sum of stored value card after receiving payment feedback information.
6. stored value card method of payment according to claim 5, it is characterised in that this method of payment also includes:
Account settlement Platform Server carries out the amount balance of the user account in payment terminal on account settlement platform, updates the remaining sum on the stored value card of the user account on server.
7. stored value card method of payment according to claim 5, it is characterised in that also including Account Registration flow process in stored value card method of payment, Account Registration flow process includes:
The stored value card of payment terminal registration user account and correspondence thereof, and upload to platform of user management server.
8. stored value card method of payment according to claim 5, it is characterised in that the remaining sum of stored value card is stored in one of them or wherein combination in any of the terminal software of payment terminal, chip card and memorizer.
9. stored value card method of payment according to claim 5, it is characterised in that consumption terminal sends payment feedback information by the mode of ultrasound wave, Quick Response Code, optical signal, Wifi or radiofrequency signal.
10. stored value card method of payment according to claim 6, it is characterised in that stored value card method of payment also includes stored value card recharge procedure, and stored value card recharge procedure farther includes:
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 with money and payment account is sent to payment terminal and account settlement Platform Server；
After account settlement Platform Server and the success of payment account system settlement, the amount of money of the stored value card in renewal payment terminal.
11. the stored value card method of payment according to any one of claim 5-10, it is characterised in that this propagation medium comprises sound wave, Wifi or radiofrequency signal.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| 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 |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410183006.7A CN104166915B (en) | 2014-04-30 | 2014-04-30 | Stored value card method of payment and system |
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| Publication Number | Publication Date |
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| CN104166915A CN104166915A (en) | 2014-11-26 |
| CN104166915B true CN104166915B (en) | 2016-06-29 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201410183006.7A Active CN104166915B (en) | 2014-04-30 | 2014-04-30 | Stored value card method of payment and system |
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