CN104392347A - Account application method, building method, relevant equipment and system - Google Patents
Account application method, building method, relevant equipment and system Download PDFInfo
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- CN104392347A CN104392347A CN201410573708.6A CN201410573708A CN104392347A CN 104392347 A CN104392347 A CN 104392347A CN 201410573708 A CN201410573708 A CN 201410573708A CN 104392347 A CN104392347 A CN 104392347A
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- mobile payment
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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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
- G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
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Abstract
The embodiment of the invention discloses an account application method, a building method, relevant equipment and a system. the account application method comprises steps: a client acquires a mobile payment account application request inputted by a user; the user is detected whether to have a usable electronic cash account already; if the user already has a usable electronic cash account, the mobile payment account application request is sent to a server; information that the mobile payment account is built to the user returned by the server is received, and the server binds the mobile payment account built to the user and the usable electronic cash account already owned by the user; and the received mobile payment account information is written to a safety chip. According to the embodiment of the invention, offline payment can be realized, safety of capital is improved, and inconvenience brought by maintenance and use of multiple electronic cash accounts can be avoided.
Description
Technical field
The embodiment of the present invention relates to communication technical field, particularly relates to a kind of account application method, creation method, relevant device and system.
Background technology
Mobile payment, also referred to as mobile-phone payment, is allow holder to use its mobile terminal (normally mobile phone) to carry out a kind of method of service of account payment to consumed commodity or service.Unit or individual by mobile device, internet or closely sensing directly or indirectly send payment instruction to bank finance mechanism and produce the behavior of currency Zhi Fuyu capital transfer, thus realize mobile payment function.Near-field communication (Near FieldCommunication, NFC), also known as wireless near field communication, is the high frequency wireless communication technology of a kind of short distance (being less than 10CM).Because near-field communication has natural security, therefore, NFC technique has very wide application prospect in mobile payment field.
At present, the mobile payment of China promotes primarily of People's Bank of China, Unionpay, each commercial bank, telecom operators and some Internet firms, and has been proposed respective mobile payment product, mainly can be divided into following several:
Without card remote payment: namely the Transaction Informations such as account number cipher are sent to centring system by mobile phone client software by holder, complete transaction, safety of payment relies on mobile phone client software completely.
Have card remote payment: by the data of financial IC card in advance in mobile phone, spendable medium has storer three class of SD card, SIM card or mobile phone self.When holder initiates transaction, after mobile phone client software and financial IC card carry out safety certification, transaction is sent to centring system.
Have card near field to pay: the mobile phone of prefabricated financial IC card data also must have near field interaction capabilities, as NFC function, it is mutual and complete transaction that holder can connect equipment by mobile phone and trade company's POS non-.
According to the market survey of banking industry, there is the bank client opened an account in bank at home, and on average everyone holds debit card 3, hold credit card (credit card) 2, no matter and debit and credit card, often opening in bank card has an electronic cash account, can be used for carrying out near field mobile payment.Multiple bank cards can be integrated on same mobile phone security by the aerial hair fastener technology of mobile payment card, but so many bank cards bring the electronic cash account that multiple disposal environment is identical, function is identical, bring the worry safeguarded and use to client.
Meanwhile, electronic cash account is absolutely necessary again.Existing method of mobile payment is mostly long-range without card method of payment based on mobile Internet released by Third-party payment company, first, this method of mobile payment has directly got around electronic cash account, require user to supplement with money in third party's account in advance or bind appointed bank's card in advance, bringing certain risk to account safety; Secondly, this method of mobile payment requires that mobile device will be in networking state when consuming, otherwise cannot consume.Therefore, be necessary to provide a kind of new method to solve the problem.
Summary of the invention
In view of this, embodiments provide a kind of account application method, creation method, relevant device and system, can offline electronic payment be realized, improve the security of fund, and avoid multiple electronic cash account maintenance and use the inconvenience brought.
First aspect, embodiments provides a kind of account application method, comprising:
Client obtains the mobile payment account application request of user's input;
Described client detects the whether existing available electron cash account of described user;
If described user has available electron cash account, then described client sends described mobile payment account application request to service end;
Described client receives the information of the mobile payment account for described user's establishment that described service end returns, and the mobile payment account created for described user and the existing available electron cash account of described user are bound by described service end;
The information of the mobile payment account received is write safety chip by described client.
Alternatively, described client detect described user whether existing available electron cash account specifically comprise:
Described client detects the information of whether preserving electronic cash account in described safety chip;
If have, then described client sends check request for described electronic cash account to described service end;
If described client receives the verification succeeds message that described service end returns, then prove that described user has available electron cash account.
Alternatively, described method also comprises:
If described user does not have available electron cash account, then described client sends the application request of described mobile payment account and the electronic cash account corresponding with described mobile payment account to described service end;
The information of the mobile payment account created for described user that described client receives that described service end returns and the electronic cash account of correspondence;
The information of the electronic cash account of the mobile payment account received and correspondence is write described safety chip by described client.
Alternatively, comprise user profile in described mobile payment account application request, it is audit described user before described user creates described mobile payment account that described user profile is used in described service end.
Second aspect, embodiments provides a kind of account creation method, comprising:
Service end receives the mobile payment account application request that client sends;
Described service end is audited user;
Audit by time, described service end is that described user creates mobile payment account, and created mobile payment account and the existing available electron cash account of described user is bound;
The information of the mobile payment account created for described user is sent to described client by described service end.
Alternatively, described method also comprises:
Described service end receives the mobile payment account of described client transmission and the application request of the electronic cash account corresponding with described mobile payment account;
Described service end is audited user;
Audit by time, described service end is the electronic cash account that described user creates mobile payment account and correspondence;
Information for the described mobile payment account of user's establishment and the electronic cash account of correspondence is sent to described client by described service end.
Alternatively, receive the mobile payment account application request of client transmission in described service end before, described method also comprises:
Described service end receives the check request for the existing electronic cash account of described user that client sends;
Carrying out to the existing electronic cash account of described user verifies described service end, and when verification succeeds, sends verification succeeds message to described client.
Alternatively, described service end is carried out examination & verification to user and is comprised:
Described service end is audited described user according to the user profile comprised in described mobile payment account application request, or described service end is audited described user in the described user profile that described service end is reserved according to described user.
The third aspect, embodiments provides a kind of client, comprising:
Acquiring unit, for obtaining the mobile payment account application request of user's input;
Detecting unit, for detecting the whether existing available electron cash account of described user;
Transmitting element, for when described detecting unit detects that described user has available electron cash account, sends described mobile payment account application request to service end;
Receiving element, for receiving the information of the mobile payment account for described user's establishment that described service end returns, the mobile payment account created for described user and the existing available electron cash account of described user are bound by described service end;
Writing unit, the information for the mobile payment account received by described receiving element writes safety chip.
Alternatively, described detecting unit specifically comprises:
Detection sub-unit, for detecting the information of whether preserving electronic cash account in described safety chip;
Send subelement, for when described detection sub-unit detects the information of preserving electronic cash account in described safety chip, send the check request for described electronic cash account to described service end;
Receive subelement, for receiving the verification succeeds message that described service end returns, described verification succeeds message proves that described user has available electron cash account.
Alternatively, described transmitting element also for, when described detecting unit detects that described user does not have an available electron cash account, send the application request of described mobile payment account and the electronic cash account corresponding with described mobile payment account to described service end;
Described receiving element is also for, the information of the mobile payment account created for described user receiving that described service end returns and the electronic cash account of correspondence;
Said write unit also for, the information of the mobile payment account received by described receiving element and the electronic cash account of correspondence writes described safety chip.
Alternatively, comprise user profile in the described mobile payment account application request that described transmitting element sends, it is audit described user before described user creates described mobile payment account that described user profile is used in described service end.
Fourth aspect, embodiments provides a kind of service end, comprising:
Receiving element, for receiving the mobile payment account application request that client sends;
Examination & verification unit, for auditing user;
Creating unit, for the examination & verification of described examination & verification unit by time, for described user creates mobile payment account, and created mobile payment account and the existing available electron cash account of described user are bound;
Transmitting element, for sending to described client by the information of the mobile payment account created for described user.
Alternatively, described receiving element also for, receive mobile payment account and the application request of the electronic cash account corresponding with described mobile payment account that described client sends;
Described examination & verification unit also for, described user is audited;
Described creating unit also for, the examination & verification of described examination & verification unit by time, for described user creates the electronic cash account of mobile payment account and correspondence;
Described transmitting element also for, the information of the electronic cash account of the mobile payment account created for described user and correspondence is sent to described client.
Alternatively, described receiving element also for, before receiving the mobile payment account application request that described client sends, receive the check request for the existing electronic cash account of described user that client sends;
Described service end also comprises:
Verification unit, for verifying the carrying out of the existing electronic cash account of described user;
Described transmitting element also for, when verification succeeds, send verification succeeds message to described client.
Alternatively, described examination & verification unit specifically for, the user profile according to comprising in described mobile payment account application request is audited described user, or audits described user in the described user profile that described service end is reserved according to described user.
5th aspect, embodiments provide a kind of account creation system, described account creation system comprises the client provided in any one optional embodiment of the third aspect or the third aspect, and the service end provided in any one optional embodiment of fourth aspect or fourth aspect.
As can be seen from the above technical solutions, the embodiment of the present invention has the following advantages:
In the embodiment of the present invention, client is after the mobile payment account application request obtaining user's input, first can detect the whether existing available electron cash account of user, if user has available electron cash account, then send mobile payment account application request to service end, then receive the information of the mobile payment account for user's establishment that service end returns, the information of the mobile payment account received is write safety chip.In the embodiment of the present invention, if user has available electron cash account, then client is only to service end request mobile payment account, the mobile payment account created for user and the existing available electron cash account of user can be bound by service end, namely achieve multiple mobile payment account and share an electronic cash account, then client can utilize this electronic cash account to realize offline electronic payment, improves the security of fund, and avoids multiple electronic cash account maintenance and use the inconvenience brought.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, below the accompanying drawing used required in describing the embodiment of the present invention is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those skilled in the art, other accompanying drawing can also be obtained as these accompanying drawings.
Fig. 1 is account application method of the present invention embodiment schematic diagram;
Fig. 2 is another embodiment schematic diagram of account application method of the present invention;
Fig. 3 is account creation method of the present invention embodiment schematic diagram;
Fig. 4 is another embodiment schematic diagram of account creation method of the present invention;
Fig. 5 is client of the present invention embodiment schematic diagram;
Fig. 6 is another embodiment schematic diagram of client of the present invention;
Fig. 7 is service end of the present invention embodiment schematic diagram;
Fig. 8 is another embodiment schematic diagram of service end of the present invention;
Fig. 9 is account creation system of the present invention embodiment schematic diagram.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, the every other embodiment that those skilled in the art obtain, all belongs to the scope of protection of the invention.
Embodiments provide a kind of account application method, creation method, relevant device and system, can offline electronic payment be realized, improve the security of fund, and avoid multiple electronic cash account maintenance and use the inconvenience brought.
Refer to Fig. 1, account creation method of the present invention embodiment comprises:
101, client obtains the mobile payment account application request of user's input;
When user needs newly to open a mobile payment account, initiate mobile payment account application request by client, the client of the present embodiment can be the mobile terminal such as mobile phone, panel computer.
102, client detects the whether existing available electron cash account of user;
Because in existing card sending system, corresponding electronic cash account can be set up for each mobile payment account of user, if applied for other mobile payment accounts before user, then just stored the information of corresponding electronic cash account in the safety chip of client.Therefore, in the present embodiment, whether client by detecting in safety chip the information that stores to detect the whether existing electronic cash account of user, and is carried out the existing electronic cash account of authentication of users by service end and can be used.The safety chip that the present embodiment is mentioned can be safe digital card (Secure Digital Memory Card) SD card or subscriber identification card (Subscriber Identity Module) SIM card.
Particularly, in the safety chip of client, there is one to deposit whether to exist the zone bit of electronic cash application identities (Application Identity) AID, first client detects this zone bit information, if zone bit is shown as there is electronic cash account, then client also will initiate electronic cash account check request to service end, whether consistent with service client information to examine client, as unanimously, service end can send verification succeeds message to client, so just can think that user has electronic cash account and this electronic cash account can normally use; As information is inconsistent, be as the criterion with service end information, client is follow-up carries out zone bit replacement, makes client-server end two ends synchronizing information.If zone bit shows as electronic cash, account does not exist, then can think that electronic cash account does not exist.
103, when user has available electron cash account, client sends described mobile payment account application request to service end;
If user has available electron cash account, then when user applies for new mobile payment account, client just only sends mobile payment account application request to service end, and applies for corresponding electronic cash account no longer simultaneously.
104, client receives the information of the mobile payment account for user's establishment that service end returns, and the mobile payment account created for user and the existing available electron cash account of user are bound by service end;
Service end can be audited the identity of user after receiving the mobile payment account application request of client transmission.In specific implementation, service end can utilize and comprise user's information identity in mobile payment account application request and audit, these user profile need user to input in the lump when initiating mobile payment account application request, in addition, service end also can use user to audit in the user's information identity that service end is reserved, preferred the second, can improve efficiency of opening an account like this.
In examination & verification by afterwards, service end creates mobile payment account for user, and the mobile payment account created for user and the existing available electron cash account of user are bound, then send the information of the new mobile payment account created to client, client receives the information of the mobile payment account that service end sends.
105, the information of the mobile payment account received is write safety chip by client.
The information of write safety chip comprises the application identities AID of mobile payment account, certainly, also comprises the AID of the existing available electron cash account of user in safety chip.When the information stored in use safety chip carries out near field payment, the equipment such as ATM (Automatic Teller Machine) ATM and point of sales terminal POS all can follow the information of closely payment system environment PPSE in the specification reading safety chip of People's Bank of China PBOC, the function that client provides " arranging first-selected card ", can do by customer selecting electronic cash account the account that pays and the AID of the account be write in PPSE, the process of exchange paying environment (ATM or POS) near field is that the AID of electronic cash account and consumption information are uploaded to bank service end, follow-up account action is completed by bank service end.
In the present embodiment, when user applies for new mobile payment account, client can detect the whether existing available electron cash account of user, if user has available electron cash account, then client is only to service end request mobile payment account, the mobile payment account created for user and the existing available electron cash account of user can be bound by service end, namely achieve multiple mobile payment account and share an electronic cash account, then client can utilize this electronic cash account to realize offline electronic payment, improve the security of fund, and avoid multiple electronic cash account maintenance and use the inconvenience brought.
Embodiment above describes when user has available electron cash account, the method for client application account, below by introduction when user does not have available electron cash account, the method for client application account, refers to Fig. 2, and the method for the present embodiment comprises:
201, client obtains the mobile payment account application request of user's input;
202, client detects the whether existing available electron cash account of user;
203, when user does not have available electron cash account, client sends the application request of mobile payment account and the electronic cash account corresponding with mobile payment account to service end;
What 204, client received that service end returns is the mobile payment account of user's establishment and the information of electronic cash account of correspondence;
205, client is by the information write safety chip of the electronic cash account of the mobile payment account that receives and correspondence.
In the present embodiment, only have when user does not have available electron cash account, client just simultaneously to service end application mobile payment account and electronic cash account, can avoid multiple electronic cash account maintenance and uses the inconvenience brought.
Two embodiments describe account application method from the angle of client above, and introduce account creation method by with two embodiments from the angle of service end below, first consult Fig. 3, the method for the present embodiment comprises:
301, service end receives the mobile payment account application request that client sends;
In specific implementation, if client is only to service end request mobile payment account, then illustrate that user has available electron cash account.In this case, receive the mobile payment account application request of client transmission in service end before, service end also may can receive the check request for the existing electronic cash account of user that client sends.After service end receives inspection request, examine client whether consistent with the information of the user that service end is preserved existing electronic cash account, as unanimously, service end can send verification succeeds message to client, verification succeeds message proves that the existing electronic cash account of user can be used, and now client just sends mobile payment account application request to service end.
302, service end is audited user;
In specific implementation, user profile can be comprised in mobile payment account application request, these user profile can by user when client initiates mobile payment account application request, input in the lump in client, service end can utilize in mobile payment account application request the user's information comprised to carry out identity examination & verification; In addition, user also can reserve user profile in service end, and the user's information that such service end just can utilize user to reserve carries out identity examination & verification, this method can avoid user to input temporarily, improve efficiency of opening an account, in practical application, can prioritizing selection second method.
303, audit by time, service end creates mobile payment account for user, and created mobile payment account and the existing available electron cash account of user is bound;
This step achieves multiple mobile payment account and shares an electronic cash account.
304, the information of the mobile payment account created for user is sent to client by service end.
The information of the mobile payment account received can be write safety chip by client, and the packets of information of write, containing the AID of mobile payment account, certainly, also comprises the AID of the existing available electron cash account of user in the safety chip of client.When the information stored in use safety chip carries out near field payment, the equipment such as ATM (Automatic Teller Machine) ATM and point of sales terminal POS all can follow the information of closely payment system environment PPSE in the specification reading safety chip of People's Bank of China PBOC, the function that client provides " arranging first-selected card ", can do by customer selecting electronic cash account the account that pays and the AID of the account be write in PPSE, the process of exchange paying environment (ATM or POS) near field is that the AID of electronic cash account and consumption information are uploaded to bank service end, follow-up account action is completed by bank service end.
In the present embodiment, when user has available electron cash account, service end is when creating new mobile payment account for user, the mobile payment account created for user and the existing available electron cash account of user can be bound, then the information of the mobile payment account created for user is sent to client, namely achieve multiple mobile payment account and share an electronic cash account, then client can utilize this electronic cash account to realize offline electronic payment, improve the security of fund, and avoid multiple electronic cash account maintenance and use the inconvenience brought.
Embodiment above describes user when having available electron cash account, service end creates the method for account, and the following examples will introduce user when not having an available electron cash account, the method for service end establishment account, refer to Fig. 4, the method for the present embodiment comprises:
401, service end receives the mobile payment account of client transmission and the application request of the electronic cash account corresponding with mobile payment account;
402, service end is audited user;
403, audit by time, service end is the electronic cash account that user creates mobile payment account and correspondence;
404, the information of the electronic cash account of the mobile payment account created for user and correspondence is sent to client by service end.
In the present embodiment, only have when user does not have available electron cash account, service end just simultaneously for user creates mobile payment account and electronic cash account, can avoid multiple electronic cash account maintenance and uses the inconvenience brought.
Introduce the client that the embodiment of the present invention provides below, refer to Fig. 5, client 500 comprises:
Acquiring unit 501, for obtaining the mobile payment account application request of user's input;
Detecting unit 502, for detecting the whether existing available electron cash account of user;
Transmitting element 503, for when detecting unit 502 detects that user has available electron cash account, sends mobile payment account application request to service end;
Receiving element 504, for receiving the information of the mobile payment account for user's establishment that service end returns, the mobile payment account created for user and the existing available electron cash account of user are bound by service end;
Writing unit 505, the information for the mobile payment account received by receiving element 504 writes safety chip.
Particularly, detecting unit 502 comprises detection sub-unit 5021, sends subelement 5022 and receive subelement 5023, wherein:
Detection sub-unit 5021 for, detect in safety chip the information of whether preserving electronic cash account;
Send subelement 5022 for, when detection sub-unit 5021 detects in safety chip the information of preserving electronic cash account, send for the check request of electronic cash account to service end;
Receive subelement 5023 for, receive the verification succeeds message that service end returns, described verification succeeds message proves that user has available electron cash account.
For ease of understanding, illustrate the reciprocal process between the unit in client 500 below, specific as follows:
When user needs newly to open a mobile payment account, initiate mobile payment account application request by client, acquiring unit 501 obtains the mobile payment account application request of user's input, and client can be the mobile device such as mobile phone, panel computer.
Because in existing card sending system, corresponding electronic cash account can be set up for each mobile payment account of user when hair fastener, if applied for other mobile payment accounts before user, then just stored the information of corresponding electronic cash account in the safety chip of client.Therefore, in the present embodiment, after acquiring unit 501 obtains the mobile payment account application request of user's input, whether detecting unit 502 by detecting in safety chip the information that stores to detect the whether existing electronic cash account of user, and carrys out the existing electronic cash account of authentication of users by service end and can use.
Particularly, in the safety chip of client, there is one to deposit whether to exist the zone bit of electronic cash application identities (Application Identity) AID, first detection sub-unit 5021 detects this zone bit information, if zone bit is shown as there is electronic cash account, then send subelement 5022 and initiate electronic cash account check request to service end, whether consistent with service client information to examine client, as unanimously, service end can send verification succeeds message to client, receive subelement 5023 and receive verification succeeds message, so just can think that user has electronic cash account and this electronic cash account can normally use, as information is inconsistent, be as the criterion with service end information, client is follow-up carries out zone bit replacement, makes C-S two ends synchronizing information.If zone bit shows as electronic cash, account does not exist, then can think that electronic cash account does not exist.
When the testing result of detecting unit 502 has available electron cash account for user, transmitting element 503 just only sends mobile payment account application request to service end, and applies for corresponding electronic cash account no longer simultaneously.
Service end can be audited the identity of user after receiving the mobile payment account application request of client transmission.In specific implementation, service end can utilize and comprise user's information identity in mobile payment account application request and audit, these user profile need user to input in the lump when initiating mobile payment account application request, in addition, service end also can use user to audit in the user's information identity that service end is reserved, preferred the second, can improve efficiency of opening an account like this.
In examination & verification by afterwards, service end creates mobile payment account for user, and the mobile payment account created for user and the existing available electron cash account of user are bound, then send the information of the new mobile payment account created to client, receiving element 504 receives the information of the mobile payment account that service end sends.The information write safety chip of the mobile payment account that receiving element 504 receives by writing unit 505.
In addition, when the testing result of detecting unit 502 does not have an available electron cash account for user, transmitting element 503 sends the electronic cash account application request of mobile payment account and correspondence to service end, receiving element 504 receives the information that service end is the electronic cash account of the mobile payment account that creates of user and correspondence, the information write safety chip of the electronic cash account of the mobile payment account that receiving element 504 receives by writing unit 505 and correspondence.
In the present embodiment, when user applies for new mobile payment account, detecting unit can detect the whether existing available electron cash account of user, if user has available electron cash account, then transmitting element is only to service end request mobile payment account, the mobile payment account created for user and the existing available electron cash account of user can be bound by service end, namely achieve multiple mobile payment account and share an electronic cash account, then client can utilize this electronic cash account to realize offline electronic payment, improve the security of fund, and avoid multiple electronic cash account maintenance and use the inconvenience brought.
Introduce another embodiment schematic diagram of client of the present invention below, refer to Fig. 6, client 600 comprises processor 601 and storer 602, storer 602 is for depositing computer-managed instruction, the computer-managed instruction of processor 601 for depositing in execute store 602, the computer-managed instruction deposited in processor 601 execute store 602 makes client realize following operation:
Obtain the mobile payment account application request of user's input;
Detect the whether existing available electron cash account of user;
If user has available electron cash account, then send mobile payment account application request to service end;
Receive the information of the mobile payment account for user's establishment that service end returns, the mobile payment account created for user and the existing available electron cash account of user are bound by service end;
The information of the mobile payment account received is write safety chip.
Introduce the service end that the embodiment of the present invention provides below, the service end 700 of the present embodiment comprises:
Receiving element 701, for receiving the mobile payment account application request that client sends;
Examination & verification unit 702, for auditing user;
Creating unit 703, for the examination & verification of described examination & verification unit by time, for described user creates mobile payment account, and created mobile payment account and the existing available electron cash account of described user are bound;
Transmitting element 704, for sending to described client by the information of the mobile payment account created for described user.
In addition, receiving element 701 also for, receive client send mobile payment account application request before, receive client send the check request for the existing electronic cash account of user;
Service end 700 also comprises:
Verification unit 705, for verifying the carrying out of the existing electronic cash account of user;
Transmitting element 704 also for, when verification succeeds, send verification succeeds message to client.
For ease of understanding, illustrate the reciprocal process between the unit in service end 700 below, specific as follows:
If client detects that user has electronic cash account, then client can to the check request of service end transmission for the existing electronic cash account of user, receiving element 701 receives the check request that client sends, whether verification unit 705 examines client consistent with the information of the user that service end is preserved existing electronic cash account, as unanimously, transmitting element 704 can send verification succeeds message to client.In specific implementation, service end can be the service system of bank.
After client receives the verification succeeds message of transmitting element transmission, send mobile payment account application request to service end, receiving element 701 receives mobile payment account application request, and examination & verification unit 702 couples of users audit.
In specific implementation, user profile can be comprised in mobile payment account application request, these user profile can by user when client initiates mobile payment account application request, input in the lump in client, examination & verification unit 702 can utilize in mobile payment account application request the user's information comprised to carry out identity examination & verification; In addition, user also can reserve user profile in service end, and the user's information that examination & verification unit 702 just can utilize user to reserve like this carries out identity examination & verification, this method can avoid user to input temporarily, improve efficiency of opening an account, in practical application, can prioritizing selection second method.
In examination & verification by rear, creating unit 703 creates mobile payment account for user, and created mobile payment account and the existing available electron cash account of user is bound, and so just achieves the shared electronic cash account of multiple mobile payment account.The information of the mobile payment account created for user is sent to client by transmitting element 704.
In addition, when user does not have available electron cash account, receiving element 701 receives the mobile payment account of client transmission and the application request of the electronic cash account corresponding with mobile payment account, create simple eye 703 in the 702 pairs of user's examination & verifications of examination & verification unit by rear, for user creates the electronic cash account of mobile payment account and correspondence, the information of the electronic cash account of the mobile payment account that creating unit 703 creates for user by transmitting element 704 and correspondence sends to client.
In the present embodiment, when user has available electron cash account, creating unit is when creating new mobile payment account for user, the mobile payment account created for user and the existing available electron cash account of user can be bound, then the information of the mobile payment account created for user is sent to client by transmitting element, namely achieve multiple mobile payment account and share an electronic cash account, then client can utilize this electronic cash account to realize offline electronic payment, improve the security of fund, and avoid multiple electronic cash account maintenance and use the inconvenience brought.
Introduce another embodiment schematic diagram of service end of the present invention below, refer to Fig. 8, service end 800 comprises processor 801 and storer 802, storer 802 is for depositing computer-managed instruction, the computer-managed instruction of processor 801 for depositing in execute store 802, the computer-managed instruction deposited in processor 801 execute store 802 makes service end realize following operation:
Receive the mobile payment account application request that client sends;
User is audited;
Audit by time, for user creates mobile payment account, and created mobile payment account and the existing available electron cash account of user are bound;
The information of the mobile payment account created for user is sent to client.
Finally, the embodiment of the present invention additionally provides a kind of account creation system 900, and comprise client 901 and service end 902, client 901 can consult client shown in Fig. 5, and service end 902 can consult service end shown in Fig. 7, repeats no more herein.
It should be noted that in addition, device embodiment described above is only schematic, the wherein said unit illustrated as separating component or can may not be and physically separates, parts as unit display can be or may not be physical location, namely can be positioned at a place, or also can be distributed in multiple network element.Some or all of module wherein can be selected according to the actual needs to realize the object of the present embodiment scheme.In addition, in device embodiment accompanying drawing provided by the invention, the annexation between module represents to have communication connection between them, specifically can be implemented as one or more communication bus or signal wire.Those of ordinary skill in the art, when not paying creative work, are namely appreciated that and implement.
Through the above description of the embodiments, those skilled in the art can be well understood to the mode that the present invention can add required common hardware by software and realize, and can certainly comprise special IC, dedicated cpu, private memory, special components and parts etc. realize by specialized hardware.Generally, all functions completed by computer program can realize with corresponding hardware easily, and the particular hardware structure being used for realizing same function also can be diversified, such as mimic channel, digital circuit or special circuit etc.But under more susceptible for the purpose of the present invention condition, software program realizes is better embodiment.Based on such understanding, technical scheme of the present invention can embody with the form of software product the part that prior art contributes in essence in other words, this computer software product is stored in the storage medium that can read, as the floppy disk of computing machine, USB flash disk, portable hard drive, ROM (read-only memory) (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc., comprising some instructions in order to make a computer equipment (can be personal computer, server, or the network equipment etc.) perform method described in the present invention each embodiment.
Above a kind of account application method, creation method, relevant device and system that the embodiment of the present invention provides are described in detail, for one of ordinary skill in the art, according to the thought of the embodiment of the present invention, all will change in specific embodiments and applications, therefore, this description should not be construed as limitation of the present invention.
Claims (17)
1. an account application method, is characterized in that, comprising:
Client obtains the mobile payment account application request of user's input;
Described client detects the whether existing available electron cash account of described user;
If described user has available electron cash account, then described client sends described mobile payment account application request to service end;
Described client receives the information of the mobile payment account for described user's establishment that described service end returns, and the mobile payment account created for described user and the existing available electron cash account of described user are bound by described service end;
The information of the mobile payment account received is write safety chip by described client.
2. the method for claim 1, is characterized in that, described client detects the whether existing available electron cash account of described user and specifically comprises:
Described client detects the information of whether preserving electronic cash account in described safety chip;
If have, then described client sends check request for described electronic cash account to described service end;
If described client receives the verification succeeds message that described service end returns, then prove that described user has available electron cash account.
3. the method for claim 1, is characterized in that, described method also comprises:
If described user does not have available electron cash account, then described client sends the application request of described mobile payment account and the electronic cash account corresponding with described mobile payment account to described service end;
The information of the mobile payment account created for described user that described client receives that described service end returns and the electronic cash account of correspondence;
The information of the electronic cash account of the mobile payment account received and correspondence is write described safety chip by described client.
4. the method as described in claims 1 to 3 any one, it is characterized in that, comprise user profile in described mobile payment account application request, it is audit described user before described user creates described mobile payment account that described user profile is used in described service end.
5. an account creation method, is characterized in that, comprising:
Service end receives the mobile payment account application request that client sends;
Described service end is audited user;
Audit by time, described service end is that described user creates mobile payment account, and created mobile payment account and the existing available electron cash account of described user is bound;
The information of the mobile payment account created for described user is sent to described client by described service end.
6. method as claimed in claim 5, it is characterized in that, described method also comprises:
Described service end receives the mobile payment account of described client transmission and the application request of the electronic cash account corresponding with described mobile payment account;
Described service end is audited user;
Audit by time, described service end is the electronic cash account that described user creates mobile payment account and correspondence;
Information for the described mobile payment account of user's establishment and the electronic cash account of correspondence is sent to described client by described service end.
7. method as claimed in claim 5, is characterized in that, receive the mobile payment account application request of client transmission in described service end before, described method also comprises:
Described service end receives the check request for the existing electronic cash account of described user that client sends;
Carrying out to the existing electronic cash account of described user verifies described service end, and when verification succeeds, sends verification succeeds message to described client.
8. the method as described in claim 5 to 7 any one, is characterized in that, described service end is carried out examination & verification to user and comprised:
Described service end is audited described user according to the user profile comprised in described mobile payment account application request, or described service end is audited described user in the described user profile that described service end is reserved according to described user.
9. a client, is characterized in that, comprising:
Acquiring unit, for obtaining the mobile payment account application request of user's input;
Detecting unit, for detecting the whether existing available electron cash account of described user;
Transmitting element, for when described detecting unit detects that described user has available electron cash account, sends described mobile payment account application request to service end;
Receiving element, for receiving the information of the mobile payment account for described user's establishment that described service end returns, the mobile payment account created for described user and the existing available electron cash account of described user are bound by described service end;
Writing unit, the information for the mobile payment account received by described receiving element writes safety chip.
10. client as claimed in claim 9, it is characterized in that, described detecting unit specifically comprises:
Detection sub-unit, for detecting the information of whether preserving electronic cash account in described safety chip;
Send subelement, for when described detection sub-unit detects the information of preserving electronic cash account in described safety chip, send the check request for described electronic cash account to described service end;
Receive subelement, for receiving the verification succeeds message that described service end returns, described verification succeeds message proves that described user has available electron cash account.
11. clients as claimed in claim 9, is characterized in that,
Described transmitting element also for, when described detecting unit detects that described user does not have an available electron cash account, send the application request of described mobile payment account and the electronic cash account corresponding with described mobile payment account to described service end;
Described receiving element is also for, the information of the mobile payment account created for described user receiving that described service end returns and the electronic cash account of correspondence;
Said write unit also for, the information of the mobile payment account received by described receiving element and the electronic cash account of correspondence writes described safety chip.
12. clients as described in claim 9 to 11 any one, it is characterized in that, comprise user profile in the described mobile payment account application request that described transmitting element sends, it is audit described user before described user creates described mobile payment account that described user profile is used in described service end.
13. 1 kinds of service ends, is characterized in that, comprising:
Receiving element, for receiving the mobile payment account application request that client sends;
Examination & verification unit, for auditing user;
Creating unit, for the examination & verification of described examination & verification unit by time, for described user creates mobile payment account, and created mobile payment account and the existing available electron cash account of described user are bound;
Transmitting element, for sending to described client by the information of the mobile payment account created for described user.
14. service ends as claimed in claim 13, is characterized in that,
Described receiving element also for, receive mobile payment account and the application request of the electronic cash account corresponding with described mobile payment account that described client sends;
Described examination & verification unit also for, described user is audited;
Described creating unit also for, the examination & verification of described examination & verification unit by time, for described user creates the electronic cash account of mobile payment account and correspondence;
Described transmitting element also for, the information of the electronic cash account of the mobile payment account created for described user and correspondence is sent to described client.
15. service ends as claimed in claim 13, is characterized in that,
Described receiving element also for, before receiving the mobile payment account application request that described client sends, receive the check request for the existing electronic cash account of described user that client sends;
Described service end also comprises:
Verification unit, for verifying the carrying out of the existing electronic cash account of described user;
Described transmitting element also for, when verification succeeds, send verification succeeds message to described client.
16. service ends as described in claim 13 to 15 any one, is characterized in that,
Described examination & verification unit specifically for, the user profile according to comprising in described mobile payment account application request is audited described user, or audits described user in the described user profile that described service end is reserved according to described user.
17. 1 kinds of account creation systems, is characterized in that, comprise the client as described in claim 9 to 12 any one, and the service end as described in claim 13 to 16 any one.
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| CN201410573708.6A CN104392347B (en) | 2014-10-23 | 2014-10-23 | A kind of account application method, creation method, relevant device and system |
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| CN201410573708.6A CN104392347B (en) | 2014-10-23 | 2014-10-23 | A kind of account application method, creation method, relevant device and system |
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| CN104392347A true CN104392347A (en) | 2015-03-04 |
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