CN104331999A - System and method for enabling mobile terminal to drive peripherals to finish payment and card writing, fund transferring and electronic cash redepositing of financial IC card - Google Patents
System and method for enabling mobile terminal to drive peripherals to finish payment and card writing, fund transferring and electronic cash redepositing of financial IC card Download PDFInfo
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- CN104331999A CN104331999A CN201410550018.9A CN201410550018A CN104331999A CN 104331999 A CN104331999 A CN 104331999A CN 201410550018 A CN201410550018 A CN 201410550018A CN 104331999 A CN104331999 A CN 104331999A
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Abstract
The invention discloses a system and a method for enabling a mobile terminal to drive peripherals to finish payment and card writing, fund transferring and electronic cash redepositing of a financial IC card. The system comprises a card reading and writing device, receipt printing equipment, a password keyboard, the mobile terminal, a bank service system and an industrial application system, wherein a business processing APP is installed on the mobile terminal and comprises a paying and card-writing module, a fund transferring module, an electronic cash redepositing module of the financial IC card and a driving module; the paying and card-writing module finishes fee payment of the industrial application system and reading and writing of the industrial IC card; the fund transferring module realizes fund flow between bank cards; the electronic cash redepositing module of the financial IC card finishes the redepositing transaction; the driving module drives the card reading and writing device to read and write different types of bank cards and industrial IC cards. The system and method disclosed by the invention can read and write various types of bank cards or industrial IC cards, supports the fee payment and card writing of the industrial IC cards of water, electricity, gas, public transport and the like, fund transferring between the bank cards and electronic cash redepositing of financial IC cards, and has the characteristics of wide application range, convenience and fastness and the like.
Description
Technical field
The present invention relates to mobile financial services industry, particularly relate to a kind of mobile terminal and drive peripheral hardware to complete the system and method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited.
Background technology
Along with the development of scientific and technological level and the continuous lifting of people's living standard, the development of internet finance is very rapid, internet finance provides separated cabinet type financial service for client, such as: Web bank, telephone bank, Mobile banking, self-help bank, Third-party payment etc.
At present, each large-scale commerce bank both provides the Mobile banking's financial service based on smart mobile phone APP, inquiry into balance can be realized, password is revised, to transfer accounts the basic financial services such as remittance, the La Kala occurred on the market, moneybag is precious, many Third-party payment products such as box payment are external swipes the card/card reader and code keypad, solve bank card information and read problem, but in use all there is following problem in Mobile banking or Third-party payment: (1) can not realize read-write bank finance IC-card, need the bank card of access bank operation system binding in advance, the setting scope of business.(2) financial IC card electronic cash circle can not be realized deposit.(3) read-write of industry IC-card can not be realized, cause mobile financial application range limited.(4) cannot real time print business receipt.
Summary of the invention
The object of the invention is to overcome the deficiencies in the prior art, there is provided a kind of mobile terminal to drive peripheral hardware to complete to transfer accounts, enclose and deposit, pay the fees and write the system and method for card etc., support the reading of various bank card common on the market or industry IC card information, support to write information to financial IC card, water, electricity and gas Public Transport Trade IC-card simultaneously; Directly can write card to water, electricity and gas Public Transport Trade IC-card, realize water, electricity and gas Public Transport Trade IC-card and write card payment; Producing and proceeding to account bank card number without the need to manually inputting on mobile terminals, bank card can be realized by swiping the card and transferring accounts.
The object of the invention is to be achieved through the following technical solutions: a kind of mobile terminal drives peripheral hardware to complete payment and writes card, transfer accounts, the system that financial IC card electronic cash circle is deposited, comprise mobile terminal peripheral hardware, mobile terminal, banking system and sector application system, mobile terminal peripheral hardware comprises card reader/writer, strip printing device and code keypad, card reader/writer is for reading and writing bank card information or read-write industry IC card information, card reader/writer, code keypad is connected with mobile terminal respectively with strip printing device, mobile terminal is connected with banking system by wireless network, banking system is connected with sector application system by network, described mobile terminal installs business processing APP, business processing APP includes but are not limited to payment and writes card module, to transfer accounts module, financial IC card electronic cash circle storing module and driver module, payment of fees and the read-write industry IC-card that card module completes sector application system is write in payment, module of transferring accounts realizes the fund flow between bank card, transaction deposited by the circle that financial IC card electronic cash circle storing module completes bank finance IC-card, card reader/writer described in driver module drives reads and writes dissimilar bank card and dissimilar industry IC-card.
Described sector application system includes but are not limited to Utilities Electric Co.'s system, water supply company's system, gas company's system, public transportation system, and Utilities Electric Co.'s system, water supply company's system, gas company's system, public transportation system are connected with banking system respectively by network.
Business processing APP on described mobile terminal also comprises an inquiry into balance module, for the balance of funding of inquiring user bank card.
Business processing APP on described mobile terminal also comprises a password modified module, for revising user cipher.
Business processing APP on described mobile terminal also comprises a bank card and reports the loss module, reports the loss for completing bank card.
Described industry IC-card includes but are not limited to electricity charge IC-card, water rate IC-card, gas expense IC-card, public transport IC-card.
Mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and it comprises a payment and writes card step, and described payment is write card step and comprised following sub-step:
S1: card reader/writer is connected on mobile terminal by user;
S2: start the business processing APP on mobile terminal, and select payment to write card module, and concrete payment classification;
S3: mobile terminal prompting user selects or the input payment amount of money;
S4: user is by the business processing APP input payment amount of money on code keypad or mobile terminal;
S5: the bank card being used for paying the fees successively is swiped the card by user, then is placed in card reader/writer draw-in groove by industry IC-card to be written, and card reader/writer completes Card Reader, and be sent to mobile terminal by after the bank card information read and the encryption of industry IC card information;
S6: mobile terminal prompting user incoming traffic password, user is by code keypad incoming traffic password;
Pack after S7: the mobile terminal service process APP business password encryption that bank card information, industry IC card information and payment amount information are keyed in together with user and be sent to banking system;
S8: banking system is verified bank card information, industry IC card information and business password, if authentication failed, returns code error, if be verified, jumps to step S9;
S9: banking system will treat that payment industry IC card information and the packing of the payment amount of money are sent to sector application system, and sector application system returns to banking system and writes Ka Bao;
S10: banking system will write card Packet forwarding to mobile terminal, mobile terminal utilize receive write Ka Bao and will write card instruction through driver module and be sent to card reader/writer;
S11: card reader/writer according to this write card instruction complete treat supplement industry IC-card with money write card, namely paidly take volume write industry IC-card;
S12: complete payment and write and snap past journey.
Mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and it comprises a bank card transferring step, and described bank card transferring step comprises following sub-step:
SS1: card reader/writer is connected on mobile terminal by user;
SS2: start the business processing APP on mobile terminal, and select to transfer accounts module;
SS3: mobile terminal service process APP prompting " please insert and produce account bank card ", user will produce account bank and be stuck on card reader/writer and swipe the card, and card reader/writer completes Card Reader, and producing after account bank card information is encrypted of reading is sent to mobile terminal;
SS4: mobile terminal service process APP prompting " please insert and proceed to account bank card ", user will proceed to account bank and be stuck on card reader/writer and swipe the card, and card reader/writer completes Card Reader, and proceeding to after account bank card information is encrypted of reading is sent to mobile terminal;
SS5: mobile terminal service process APP prompting " please transfer amounts be input ", user inputs transfer amounts by code keypad or business processing APP;
The business password of account bank card is produced in SS6: mobile terminal service process APP prompting user input, and user is by code keypad incoming traffic password;
Bank card information and proceed to account bank card information is produced in SS7: mobile terminal service process APP calling driver module identification, then together with transfer amounts information, user key in produce the password encryption of account bank card business after packing be sent to banking system;
SS8: banking system is verified producing account bank card information and producing account bank card business password, if authentication failed, returns code error, if be verified, jumps to step SS9;
SS9: banking system performs from producing account to the funds transfer of corresponding transfer amounts proceeding to account, completes bank card and transfers accounts.
Mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and also comprise an inquiry into balance step, described inquiry into balance step comprises following sub-step:
SSS1: card reader/writer is connected on mobile terminal by user;
SSS2: start the business processing APP on mobile terminal, and select inquiry into balance module;
SSS3: user swipes the card needing the bank card queried the balance on card reader/writer, and card reader/writer completes Card Reader, and is sent to mobile terminal after the bank card information read being encrypted;
SSS4: mobile terminal service process APP prompting user incoming traffic password, user is by code keypad incoming traffic password;
SSS5: after the business password encryption of the bank card information that mobile terminal service process APP is recognized and user's key entry, packing is sent to banking system;
SSS6: banking system is verified bank card information and password, if authentication failed, returns code error, if be verified, jumps to step SSS7;
SSS7: banking system returns the balance amount information of this bank card, completes inquiry into balance.
Mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and also comprise a password modify steps, described password modify steps comprises following sub-step:
SSSS1: card reader/writer is connected on mobile terminal by user;
SSSS2: start the business processing APP on mobile terminal, and select amendment business crypto module;
SSSS3: user swipes the card needing the bank card of amendment business password on card reader/writer, and card reader/writer completes Card Reader, and be sent to mobile terminal after the bank card information read being encrypted;
SSSS4: mobile terminal service process APP prompting user inputs old service password, and user is by code keypad input old service password;
SSSS5: after the old service password encryption of the bank card information that mobile terminal service process APP is recognized and user's key entry, packing is sent to banking system;
SSSS6: banking system is verified bank card information and old service password, if authentication failed, returns code error, if be verified, jumps to step SSSS7;
SSSS7: mobile terminal service process APP prompting user inputs new business password, and user inputs new business password by code keypad and confirms;
Packing after bank card information and new business password encryption is sent to banking system by SSSS8: mobile terminal service process APP;
SSSS9: banking system is according to this packet amendment bank card business password.
Mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and also comprises a financial IC card electronic cash circle and deposits step, comprise following sub-step:
SSSSS1: card reader/writer is connected on mobile terminal by user;
SSSSS2: start the business processing APP on mobile terminal, and select financial IC card electronic cash circle storing module;
SSSSS3: user inserts card reader/writer by needing to carry out enclosing the financial IC card depositing transaction, and card reader/writer completes Card Reader, and is sent to mobile terminal by after the financial IC card information encryption read;
SSSSS4: mobile terminal service process APP prompting user incoming traffic password, user is by code keypad incoming traffic password;
SSSSS5: user is ensphered by the business processing APP input on code keypad or mobile terminal or irised out the amount of money;
SSSSS6: mobile terminal service process APP by financial IC card information, business password, ensphere or iris out the amount of money encryption after packing be sent to banking system;
SSSSS7: banking system verifies financial IC card information, business password, if authentication failed, returns code error, if be verified, jumps to step SSSSS8;
SSSSS8: financial IC card electronic cash circle is deposited and write Ka Bao and be sent to mobile terminal by banking system, mobile terminal utilizes the financial IC card electronic cash circle received to deposit to write Ka Bao will write card instruction through driver module and is sent to card reader/writer;
SSSSS9: circle is deposited amount of money write financial IC card electronic cash balances account according to writing card instruction by card reader/writer;
SSSSS10: complete financial IC card electronic cash circle and deposit process.
Mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and also comprise a bank card and report the loss step, described bank card is reported the loss step and comprised following sub-step:
SSSSSS1: card reader/writer is connected to mobile terminal by user;
SSSSSS2: start the business processing APP on mobile terminal, and select bank card to report the loss module;
SSSSSS3: user needs the bank card number reported the loss and business password corresponding to this card number by business processing APP on code keypad or mobile terminal input;
SSSSSS4: after the business password encryption of the bank card information that mobile terminal service process APP is recognized and user's key entry, packing is sent to banking system,
SSSSSS5: banking system is verified bank card information and business password, if authentication failed, returns code error, if be verified, jumps to step SSSSSS6;
SSSSSS6: bank card state is set to by banking system " oral report the loss ";
SSSSSS7: complete bank card and report the loss process.
Described payment classification includes but are not limited to water rate, the electricity charge, gas expense, public transport expense.
The invention has the beneficial effects as follows:
1) code keypad external card reader/writer arranged is physical keyboard, is convenient to user's key feeding cipher or the amount of money etc., easy to use, not easily makes mistakes compared with the dummy keyboard on touch-screen;
2) card reader/writer can support various bank card common on the market and the reading of industry IC card information, support to write information to financial IC card, water, electricity and gas Public Transport Trade IC-card simultaneously, card is write in the payment achieving water, electricity and gas Public Transport Trade IC-card, applied widely;
3) automatically can identify bank card information by swiping the card, recognition speed is fast and accuracy is high, no longer needs user manually to input bank's card number;
4) producing and proceeding to account bank card number without the need to manually inputting, bank card can be realized by swiping the card and transferring accounts, convenient and swift;
5) financial IC card electronic cash circle can be completed deposit.
Accompanying drawing explanation
Fig. 1 is present system structural schematic block diagram;
Fig. 2 is that the present invention pays the fees and writes card flow chart of steps;
Fig. 3 is bank card transferring step process flow diagram of the present invention;
Fig. 4 is inquiry into balance flow chart of steps of the present invention;
Fig. 5 is password modify steps process flow diagram of the present invention;
Fig. 6 is that flow chart of steps deposited by financial IC card electronic cash circle of the present invention;
Fig. 7 is that bank card of the present invention reports the loss flow chart of steps.
Embodiment
Below in conjunction with accompanying drawing, technical scheme of the present invention is described in further detail, but protection scope of the present invention is not limited to the following stated.
As shown in Figure 1, a kind of mobile terminal drives peripheral hardware to complete the system that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, comprise mobile terminal peripheral hardware, mobile terminal, banking system and sector application system, mobile terminal peripheral hardware comprises card reader/writer, strip printing device and code keypad, card reader/writer is for reading and writing bank card information or read-write industry IC card information, the numerical ciphers keyboard that code keypad can adopt financial POS general.Card reader/writer, code keypad are connected with mobile terminal respectively with strip printing device, mobile terminal is connected with banking system by wireless network, banking system is connected with sector application system by network, described mobile terminal installs the user interface that business processing APP, described business processing APP are used for providing to user mobile financial service and payment.Mobile terminal service process APP includes but are not limited to that card module is write in payment, module of transferring accounts, financial IC card electronic cash circle storing module and driver module, payment of fees and the read-write industry IC-card that card module completes sector application system is write in payment, module of transferring accounts realizes the fund flow between bank card, transaction deposited by the circle that financial IC card electronic cash circle storing module completes bank finance IC-card, and the card reader/writer described in driver module drives reads and writes dissimilar bank card and dissimilar industry IC-card.
As preferably, described card reader/writer is connected with mobile terminal by bluetooth communication mode.
Described sector application system includes but are not limited to Utilities Electric Co.'s system, water supply company's system, gas company's system, public transportation system, and Utilities Electric Co.'s system, water supply company's system, gas company's system, public transportation system are connected with banking system respectively by network.
Described mobile terminal service process APP also comprises an inquiry into balance module, for the balance of funding of inquiring user bank card.
Described mobile terminal service process APP also comprises a password modified module, for revising user cipher.
Described mobile terminal service process APP also comprises a bank card and reports the loss module, reports the loss for completing bank card.
Described industry IC-card includes but are not limited to electricity charge IC-card, water rate IC-card, gas expense IC-card, public transport IC-card.
As shown in Figure 2, a kind of mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and it comprises a payment and writes card step, and described payment is write card step and comprised following sub-step:
S1: card reader/writer is connected on mobile terminal by user;
S2: start the business processing APP on mobile terminal, and select payment to write card module, and concrete payment classification, described payment classification includes but are not limited to water rate, the electricity charge, gas expense, public transport expense;
S3: mobile terminal prompting user selects or the input payment amount of money;
S4: user is by the business processing APP input payment amount of money on code keypad or mobile terminal;
S5: the bank card being used for paying the fees successively is swiped the card by user, then is placed in card reader/writer draw-in groove by industry IC-card to be written, and card reader/writer completes Card Reader, and be sent to mobile terminal by after the bank card information read and the encryption of industry IC card information;
S6: mobile terminal prompting user incoming traffic password, user is by code keypad incoming traffic password;
Pack after S7: the mobile terminal service process APP business password encryption that bank card information, industry IC card information and payment amount information are keyed in together with user and be sent to banking system;
S8: banking system is verified bank card information, industry IC card information and business password, if authentication failed, returns code error, if be verified, jumps to step S9;
S9: banking system will treat that payment industry IC card information and the packing of the payment amount of money are sent to sector application system, and sector application system returns to banking system and writes Ka Bao;
S10: banking system will write card Packet forwarding to mobile terminal, mobile terminal utilize receive write Ka Bao and will write card instruction through driver module and be sent to card reader/writer;
S11: card reader/writer according to this write card instruction complete treat supplement industry IC-card with money write card, namely paidly take volume write industry IC-card;
S12: complete payment and write and snap past journey.
As shown in Figure 3, a kind of mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and it comprises a bank card transferring step, and described bank card transferring step comprises following sub-step:
SS1: card reader/writer is connected on mobile terminal by user;
SS2: start the business processing APP on mobile terminal, and select to transfer accounts module;
SS3: mobile terminal service process APP prompting " please insert and produce account bank card ", user will produce account bank and be stuck on card reader/writer and swipe the card, and card reader/writer completes Card Reader, and producing after account bank card information is encrypted of reading is sent to mobile terminal;
SS4: mobile terminal service process APP prompting " please insert and proceed to account bank card ", user will proceed to account bank and be stuck on card reader/writer and swipe the card, and card reader/writer completes Card Reader, and proceeding to after account bank card information is encrypted of reading is sent to mobile terminal;
SS5: mobile terminal service process APP prompting " please transfer amounts be input ", user inputs transfer amounts by code keypad or business processing APP;
The business password of account bank card is produced in SS6: mobile terminal service process APP prompting user input, and user is by code keypad incoming traffic password;
Bank card information and proceed to account bank card information is produced in SS7: mobile terminal service process APP calling driver module identification, then together with transfer amounts information, user key in produce the password encryption of account bank card business after packing be sent to banking system;
SS8: banking system is verified producing account bank card information and producing account bank card business password, if authentication failed, returns code error, if be verified, jumps to step SS9;
SS9: banking system performs from producing account to the funds transfer of corresponding transfer amounts proceeding to account, completes bank card and transfers accounts.
Bank card result of use in the following two cases of transferring accounts is particularly outstanding:
1) certain user needs the money opened on bank card by one to forward on another bank card (as often can encounter this situation in the situation such as to repay the loan); user only needs successively to take two bank cards each brush one secondary card on card reader/writer, and the business password that bank card is produced in input can realize transferring accounts fast.
2) user A need to user B turn money and user B just at user A at one's side (or the bank card of user B just at user A on hand), user A is now only needed first to take the bank card that produces of oneself to swipe the card on card reader/writer, take the bank card that proceeds to of user B to swipe the card again, then the business password producing bank card inputting user A can realize transferring accounts fast.
As shown in Figure 4, a kind of mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and also comprise an inquiry into balance step, described inquiry into balance step comprises following sub-step:
SSS1: card reader/writer is connected on mobile terminal by user;
SSS2: start the business processing APP on mobile terminal, and select inquiry into balance module;
SSS3: user swipes the card needing the bank card queried the balance on card reader/writer, and card reader/writer completes Card Reader, and is sent to mobile terminal after the bank card information read being encrypted;
SSS4: mobile terminal service process APP prompting user incoming traffic password, user is by code keypad incoming traffic password;
SSS5: after the business password encryption of the bank card information that mobile terminal service process APP is recognized and user's key entry, packing is sent to banking system;
SSS6: banking system is verified bank card information and password, if authentication failed, returns code error, if be verified, jumps to step SSS7;
SSS7: banking system returns the balance amount information of this bank card, completes inquiry into balance.
As shown in Figure 5, a kind of mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and also comprise a password modify steps, described password modify steps comprises following sub-step:
SSSS1: card reader/writer is connected on mobile terminal by user;
SSSS2: start the business processing APP on mobile terminal, and select amendment business crypto module;
SSSS3: user swipes the card needing the bank card of amendment business password on card reader/writer, and card reader/writer completes Card Reader, and be sent to mobile terminal after the bank card information read being encrypted;
SSSS4: mobile terminal service process APP prompting user inputs old service password, and user is by code keypad input old service password;
SSSS5: after the old service password encryption of the bank card information that mobile terminal service process APP is recognized and user's key entry, packing is sent to banking system;
SSSS6: banking system is verified bank card information and old service password, if authentication failed, returns code error, if be verified, jumps to step SSSS7;
SSSS7: mobile terminal service process APP prompting user inputs new business password, and user inputs new business password by code keypad and confirms;
Packing after bank card information and new business password encryption is sent to banking system by SSSS8: mobile terminal service process APP;
SSSS9: banking system is according to this packet amendment bank card business password.
As shown in Figure 6, a kind of mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and also comprises a financial IC card electronic cash circle and deposits step, comprise following sub-step:
SSSSS1: card reader/writer is connected on mobile terminal by user;
SSSSS2: start the business processing APP on mobile terminal, and select financial IC card electronic cash circle storing module;
SSSSS3: user inserts card reader/writer by needing to carry out enclosing the financial IC card depositing transaction, and card reader/writer completes Card Reader, and is sent to mobile terminal by after the financial IC card information encryption read;
SSSSS4: mobile terminal service process APP prompting user incoming traffic password, user is by code keypad incoming traffic password;
SSSSS5: user is ensphered by code keypad or business processing APP input or irised out the amount of money;
SSSSS6: mobile terminal service process APP by financial IC card information, business password, ensphere or iris out the amount of money encryption after packing be sent to banking system;
SSSSS7: banking system verifies financial IC card information, business password, if authentication failed, returns code error, if be verified, jumps to step SSSSS8;
SSSSS8: financial IC card electronic cash circle is deposited and write Ka Bao and be sent to mobile terminal by banking system, mobile terminal utilizes the financial IC card electronic cash circle received to deposit to write Ka Bao will write card instruction through driver module and is sent to card reader/writer;
SSSSS9: circle is deposited amount of money write financial IC card electronic cash balances account according to writing card instruction by card reader/writer;
SSSSS10: complete financial IC card electronic cash circle and deposit process.
As shown in Figure 7, a kind of mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and also comprise a bank card and report the loss step, described bank card is reported the loss step and comprised following sub-step:
SSSSSS1: card reader/writer is connected to mobile terminal by user;
SSSSSS2: start the business processing APP on mobile terminal, and select bank card to report the loss module;
SSSSSS3: user needs the bank card number reported the loss and business password corresponding to this card number by business processing APP on code keypad or mobile terminal input;
SSSSSS4: after the business password encryption of the bank card information that mobile terminal service process APP is recognized and user's key entry, packing is sent to banking system,
SSSSSS5: banking system is verified bank card information and business password, if authentication failed, returns code error, if be verified, jumps to step SSSSSS6;
SSSSSS6: bank card state is set to by banking system " oral report the loss ";
SSSSSS7: complete bank card and report the loss process.
DES, AES that the above cryptographic algorithm all can adopt financial business field general, MD5, RSA, dual key encryption, asymmetric encryption scheduling algorithm.
The above is only the preferred embodiment of the present invention, be to be understood that the present invention is not limited to the form disclosed by this paper, should not regard the eliminating to other embodiments as, and can be used for other combinations various, amendment and environment, and can in contemplated scope described herein, changed by the technology of above-mentioned instruction or association area or knowledge.And the change that those skilled in the art carry out and change do not depart from the spirit and scope of the present invention, then all should in the protection domain of claims of the present invention.
Claims (13)
1. a mobile terminal drives peripheral hardware to complete payment and writes card, transfer accounts, the system that financial IC card electronic cash circle is deposited, it is characterized in that: comprise mobile terminal peripheral hardware, mobile terminal, banking system and sector application system, mobile terminal peripheral hardware comprises card reader/writer, strip printing device and code keypad, card reader/writer is for reading and writing bank card information or read-write industry IC card information, card reader/writer, code keypad is connected with mobile terminal respectively with strip printing device, mobile terminal is connected with banking system by wireless network, banking system is connected with sector application system by network, described mobile terminal installs business processing APP, business processing APP includes but are not limited to payment and writes card module, to transfer accounts module, financial IC card electronic cash circle storing module and driver module, payment of fees and the read-write industry IC-card that card module completes sector application system is write in payment, module of transferring accounts realizes the fund flow between bank card, transaction deposited by the circle that financial IC card electronic cash circle storing module completes bank finance IC-card, card reader/writer described in driver module drives reads and writes dissimilar bank card and dissimilar industry IC-card.
2. a kind of mobile terminal according to claim 1 drives peripheral hardware to complete the system that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, it is characterized in that: described sector application system includes but are not limited to Utilities Electric Co.'s system, water supply company's system, gas company's system, public transportation system, Utilities Electric Co.'s system, water supply company's system, gas company's system, public transportation system are connected with banking system respectively by network.
3. a kind of mobile terminal according to claim 1 drives peripheral hardware to complete the system that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, it is characterized in that: described business processing APP also comprises an inquiry into balance module, for the balance of funding of inquiring user bank card.
4. a kind of mobile terminal according to claim 1 drives peripheral hardware to complete the system that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and it is characterized in that: described business processing APP also comprises a password modified module, for revising user cipher.
5. a kind of mobile terminal according to claim 1 drives peripheral hardware to complete the system that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, it is characterized in that: described business processing APP also comprises a bank card and reports the loss module, reports the loss for completing bank card.
6. a kind of mobile terminal according to claim 1 drives peripheral hardware to complete the system that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and it is characterized in that: described industry IC-card includes but are not limited to electricity charge IC-card, water rate IC-card, gas expense IC-card, public transport IC-card.
7. mobile terminal drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and it is characterized in that: it comprises a payment and writes card step, and described payment is write card step and comprised following sub-step:
S1: card reader/writer is connected on mobile terminal by user;
S2: start the business processing APP on mobile terminal, and select payment to write card module, and concrete payment classification;
S3: mobile terminal prompting user selects or the input payment amount of money;
S4: user is by code keypad or the business processing APP input payment amount of money;
S5: the bank card being used for paying the fees successively is swiped the card by user, then is placed in card reader/writer draw-in groove by industry IC-card to be written, and card reader/writer completes Card Reader, and be sent to mobile terminal by after the bank card information read and the encryption of industry IC card information;
S6: mobile terminal prompting user incoming traffic password, user is by code keypad incoming traffic password;
Pack after S7: the mobile terminal service process APP business password encryption that bank card information, industry IC card information and payment amount information are keyed in together with user and be sent to banking system;
S8: banking system is verified bank card information, industry IC card information and business password, if authentication failed, returns code error, if be verified, jumps to step S9;
S9: banking system will treat that payment industry IC card information and the packing of the payment amount of money are sent to sector application system, and sector application system returns to banking system and writes Ka Bao;
S10: banking system will write card Packet forwarding to mobile terminal, mobile terminal utilize receive write Ka Bao and will write card instruction through driver module and be sent to card reader/writer;
S11: card reader/writer according to this write card instruction complete treat supplement industry IC-card with money write card, namely paidly take volume write industry IC-card;
S12: complete payment and write and snap past journey.
8. a kind of mobile terminal according to claim 7 drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and it is characterized in that: it comprises a bank card transferring step, comprises following sub-step:
SS1: card reader/writer is connected on mobile terminal by user;
SS2: start the business processing APP on mobile terminal, and select to transfer accounts module;
SS3: mobile terminal service process APP prompting " please insert and produce account bank card ", user will produce account bank and be stuck on card reader/writer and swipe the card, and card reader/writer completes Card Reader, and producing after account bank card information is encrypted of reading is sent to mobile terminal;
SS4: mobile terminal service process APP prompting " please insert and proceed to account bank card ", user will proceed to account bank and be stuck on card reader/writer and swipe the card, and card reader/writer completes Card Reader, and proceeding to after account bank card information is encrypted of reading is sent to mobile terminal;
SS5: mobile terminal service process APP prompting " please transfer amounts be input ", user inputs transfer amounts by code keypad or business processing APP;
The business password of account bank card is produced in SS6: mobile terminal service process APP prompting user input, and user is by code keypad incoming traffic password;
Bank card information and proceed to account bank card information is produced in SS7: mobile terminal service process APP calling driver module identification, then together with transfer amounts information, user key in produce the password encryption of account bank card business after packing be sent to banking system;
SS8: banking system is verified producing account bank card information and producing account bank card business password, if authentication failed, returns code error, if be verified, jumps to step SS9;
SS9: banking system performs from producing account to the funds transfer of corresponding transfer amounts proceeding to account, completes bank card and transfers accounts.
9. a kind of mobile terminal according to claim 7 drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and it is characterized in that: also comprise an inquiry into balance step, described inquiry into balance step comprises following sub-step:
SSS1: card reader/writer is connected on mobile terminal by user;
SSS2: start the business processing APP on mobile terminal, and select inquiry into balance module;
SSS3: user swipes the card needing the bank card queried the balance on card reader/writer, and card reader/writer completes Card Reader, and is sent to mobile terminal after the bank card information read being encrypted;
SSS4: mobile terminal service process APP prompting user incoming traffic password, user is by code keypad incoming traffic password;
SSS5: after the business password encryption of the bank card information that mobile terminal service process APP is recognized and user's key entry, packing is sent to banking system;
SSS6: banking system is verified bank card information and password, if authentication failed, returns code error, if be verified, jumps to step SSS7;
SSS7: banking system returns the balance amount information of this bank card, completes inquiry into balance.
10. a kind of mobile terminal according to claim 7 drives peripheral hardware to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and it is characterized in that: also comprise a password modify steps, described password modify steps comprises following sub-step:
SSSS1: card reader/writer is connected on mobile terminal by user;
SSSS2: start the business processing APP on mobile terminal, and select amendment business crypto module;
SSSS3: user swipes the card needing the bank card of amendment business password on card reader/writer, and card reader/writer completes Card Reader, and be sent to mobile terminal after the bank card information read being encrypted;
SSSS4: mobile terminal service process APP prompting user inputs old service password, and user is by code keypad input old service password;
SSSS5: after the old service password encryption of the bank card information that mobile terminal service process APP is recognized and user's key entry, packing is sent to banking system;
SSSS6: banking system is verified bank card information and old service password, if authentication failed, returns code error, if be verified, jumps to step SSSS7;
SSSS7: mobile terminal service process APP prompting user inputs new business password, and user inputs new business password by code keypad and confirms;
Packing after bank card information and new business password encryption is sent to banking system by SSSS8: mobile terminal service process APP;
SSSS9: banking system is according to this packet amendment bank card business password.
11. a kind of mobile terminals according to claim 7 drive peripheral hardwares to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and it is characterized in that: also comprise a financial IC card electronic cash circle and deposit step, comprise following sub-step:
SSSSS1: card reader/writer is connected on mobile terminal by user;
SSSSS2: start the business processing APP on mobile terminal, and select financial IC card electronic cash circle storing module;
SSSSS3: user inserts card reader/writer by needing to carry out enclosing the financial IC card depositing transaction, and card reader/writer completes Card Reader, and is sent to mobile terminal by after the financial IC card information encryption read;
SSSSS4: mobile terminal service process APP prompting user incoming traffic password, user is by code keypad incoming traffic password;
SSSSS5: user is ensphered by the business processing APP input on code keypad or mobile terminal or irised out the amount of money;
SSSSS6: mobile terminal service process APP by financial IC card information, business password, ensphere or iris out the amount of money encryption after packing be sent to banking system;
SSSSS7: banking system verifies financial IC card information, business password, if authentication failed, returns code error, if be verified, jumps to step SSSSS8;
SSSSS8: financial IC card electronic cash circle is deposited and write Ka Bao and be sent to mobile terminal by banking system, mobile terminal utilizes the financial IC card electronic cash circle received to deposit to write Ka Bao will write card instruction through driver module and is sent to card reader/writer;
SSSSS9: circle is deposited amount of money write financial IC card electronic cash balances account according to writing card instruction by card reader/writer;
SSSSS10: complete financial IC card electronic cash circle and deposit process.
12. a kind of mobile terminals according to claim 7 drive peripheral hardwares to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, it is characterized in that: also comprise a bank card and report the loss step, described bank card is reported the loss step and comprised following sub-step:
SSSSSS1: card reader/writer is connected to mobile terminal by user;
SSSSSS2: start the business processing APP on mobile terminal, and select bank card to report the loss module;
SSSSSS3: user needs the bank card number reported the loss and business password corresponding to this card number by business processing APP on code keypad or mobile terminal input;
SSSSSS4: after the business password encryption of the bank card information that mobile terminal service process APP is recognized and user's key entry, packing is sent to banking system,
SSSSSS5: banking system is verified bank card information and business password, if authentication failed, returns code error, if be verified, jumps to step SSSSSS6;
SSSSSS6: bank card state is set to by banking system " oral report the loss ";
SSSSSS7: complete bank card and report the loss process.
13. a kind of mobile terminals according to claim 7 drive peripheral hardwares to complete the method that payment is write card, transferred accounts, financial IC card electronic cash circle is deposited, and it is characterized in that: described payment classification includes but are not limited to water rate, the electricity charge, gas expense, public transport expense.
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| CN201410550018.9A CN104331999B (en) | 2014-10-17 | 2014-10-17 | A kind of mobile terminal drive peripheral hardware complete to pay the fees write card, transfer accounts, system and method that financial IC card electronic cash circle is deposited |
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| CN201410550018.9A CN104331999B (en) | 2014-10-17 | 2014-10-17 | A kind of mobile terminal drive peripheral hardware complete to pay the fees write card, transfer accounts, system and method that financial IC card electronic cash circle is deposited |
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| CN104331999A true CN104331999A (en) | 2015-02-04 |
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