CN104700269A - Mobile payment method and device - Google Patents
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- CN104700269A CN104700269A CN201510149577.3A CN201510149577A CN104700269A CN 104700269 A CN104700269 A CN 104700269A CN 201510149577 A CN201510149577 A CN 201510149577A CN 104700269 A CN104700269 A CN 104700269A
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Abstract
The invention relates to a mobile payment method and device which is used for achieving separation of electronic cash and electronic bank card business in relevant technologies. The mobile payment method comprises the steps that after registration of a user of a mobile device on a card issuing platform succeeds, a prepayment card provided by the card issuing platform is downloaded to a safe module of the mobile device in an over-the-air downloading mode; when the user needs to pay fund of first set money amount to a transaction party, the fund of first set money amount in the prepayment card is transferred to an account of the transaction party. By means of the technical scheme, separation of the electronic cash and the electronic bank card business in relevant technologies can be achieved, and the initiative of a card issue party in the transaction payment process is improved.
Description
Technical field
The disclosure relates to electronic technology field, particularly relates to a kind of method of mobile payment and device.
Background technology
Along with the development of mobile payment service, safety of payment problem is more and more subject to the attention of user, and the mobile payment electronic wallet service based on hardware security is becoming the important directions of mobile payment service development.Bank, mobile operator, mobile device manufacturer, Third-party payment manufacturer all wish to participate in the mobile payment ecological construction based on hardware security, in correlation technique, the scheme dominated of banking industry binds existing bank card to realize control to whole business by controlling user, reduces the initiative of other participants.
Summary of the invention
For overcoming Problems existing in correlation technique, disclosure embodiment provides a kind of method of mobile payment and device, in order to realize being separated of electronic cash and e-bank's card business.
According to the first aspect of disclosure embodiment, a kind of method of mobile payment is provided, comprises:
After the user of mobile device succeeds in registration on hair fastener platform, by the mode downloaded, the prepaid card that described hair fastener platform provides is downloaded to the security module of described mobile device in the air;
When described user to need the payment funding of the first setting amount of money to counterparty, by the capital transfer of the described first setting amount of money in described prepaid card to the account of described counterparty.
In one embodiment, the described account of capital transfer to described counterparty described first in described prepaid card being set the amount of money, can comprise:
Determine the Account Type of the account of described counterparty;
The fund of the described first setting amount of money in described prepaid card is transferred to account corresponding to described Account Type in the mode of NFC; Or,
The fund of the described first setting amount of money in described prepaid card is transferred to account corresponding to described Account Type by the mode of online payment.
In an embodiment, described method also can comprise:
The bank card of described prepaid card with described user is bound mutually;
In described prepaid card, the fund of the second setting amount of money is proceeded to by described bank card.
In an embodiment, described method also can comprise:
When described user needs to nullify described prepaid card, send de-registration request message by described mobile device to described hair fastener platform, in described de-registration request message, carry the identify label of described user and the card number information of described prepaid card;
Receive and determine from described hair fastener platform the cancellation feedback message nullifying described prepaid card, in described cancellation feedback message, carry the identify label of described user and described card number information.
According to the second aspect of disclosure embodiment, a kind of mobile payment device is provided, comprises:
Download module, after the user being configured to mobile device succeeds in registration on hair fastener platform, is downloaded to the security module of described mobile device in the air by the prepaid card that described hair fastener platform provides by the mode downloaded;
Payment module, be configured to when described user to need the payment funding of the first setting amount of money to counterparty, the capital transfer of the described first setting amount of money in the described prepaid card downloaded by described download module is to the account of described counterparty.
In an embodiment, described payment module can comprise:
Determine submodule, be configured to the account type of the account determining described counterparty;
First pays submodule, and the fund being configured to the described first setting amount of money in the described prepaid card downloaded by described download module is transferred to account corresponding to the described described Account Type determining that submodule is determined in the mode of NFC; Or,
Second pays submodule, and the fund being configured to the described first setting amount of money in the described prepaid card downloaded by described download module is transferred to account corresponding to the described described Account Type determining that submodule is determined by the mode of online payment.
In an embodiment, described device also can comprise:
Account binding module, the described prepaid card being configured to described download module to download is bound mutually with the bank card of described user;
Fund proceeds to module, is configured to the fund being proceeded to the second setting amount of money by the described bank card of described account binding module binding in described prepaid card.
In an embodiment, described device also can comprise:
Sending module, be configured to when described user needs the prepaid card nullifying the download of described download module, send de-registration request message to described hair fastener platform, in described de-registration request message, carry the identify label of described user and the card number information of described prepaid card;
Receiver module, be configured to receive the cancellation feedback message determining to nullify the prepaid card that described download module is downloaded from described hair fastener platform, in described cancellation feedback message, carry the identify label of the described user that described sending module sends and described card number information.
According to the third aspect of disclosure embodiment, a kind of mobile payment device is provided, comprises:
Processor;
For the storer of storage of processor executable instruction;
Wherein, described processor is configured to:
After the user of mobile device succeeds in registration on hair fastener platform, by the mode downloaded, the prepaid card that described hair fastener platform provides is downloaded to the security module of described mobile device in the air;
When described user to need the payment funding of the first setting amount of money to counterparty, by the capital transfer of the described first setting amount of money in described prepaid card to the account of described counterparty.
The technical scheme that embodiment of the present disclosure provides can comprise following beneficial effect: by first in prepaid card being set the account of capital transfer to counterparty of the amount of money, make user and counterparty can realize concluding the business by the prepaid card that hair fastener platform is downloaded, realize electronic cash and being separated on the e-bank's card business in correlation technique, improve the initiative of card issuer in transaction payment process.
Should be understood that, it is only exemplary and explanatory that above general description and details hereinafter describe, and can not limit the disclosure.
Accompanying drawing explanation
Accompanying drawing to be herein merged in instructions and to form the part of this instructions, shows embodiment according to the invention, and is used from instructions one and explains principle of the present invention.
Fig. 1 is the process flow diagram of the method for mobile payment according to an exemplary embodiment.
Fig. 2 A is the process flow diagram of the method for mobile payment according to an exemplary embodiment one.
Fig. 2 B is the scene graph of the method for mobile payment according to an exemplary embodiment one.
Fig. 3 is the process flow diagram of the method for mobile payment according to an exemplary embodiment two.
Fig. 4 is the block diagram of a kind of mobile payment device according to an exemplary embodiment.
Fig. 5 is the block diagram of the another kind of mobile payment device according to an exemplary embodiment.
Fig. 6 is a kind of block diagram being applicable to mobile payment device according to an exemplary embodiment.
Embodiment
Here will be described exemplary embodiment in detail, its sample table shows in the accompanying drawings.When description below relates to accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawing represents same or analogous key element.Embodiment described in following exemplary embodiment does not represent all embodiments consistent with the present invention.On the contrary, they only with as in appended claims describe in detail, the example of apparatus and method that aspects more of the present invention are consistent.
Fig. 1 is the process flow diagram of the method for mobile payment according to an exemplary embodiment, this method of mobile payment can be applied on mobile device (such as: smart mobile phone, panel computer), as shown in Figure 1, this method of mobile payment comprises the following steps S101-S102:
In step S101, after the user of mobile device succeeds in registration on hair fastener platform, by the mode downloaded, the prepaid card that hair fastener platform provides is downloaded to the security module of mobile device in the air.
In one embodiment, hair fastener platform can be any payment platform being different from bank or bankcard association, on this payment platform, trade company can be allowed to issue the purchase card of this trade company (such as, A supermarket is by this payment platform distribution supermarket shopping card, B pastry shop is by this payment platform distribution cake purchase card, and C electricity business platform issues net purchase purchase card by this payment platform, etc.).In one embodiment, prepaid card can be consumed putting up on POS that China Unionpay's (or other bankcard associations) identifies, ATM tool, can enjoy according to receiving contract holder's service that China Unionpay's (or other bankcard associations) and card sending mechanism provide, holder such as can repeat to supplement with money at the fiscard of serving in card.In the card of the prepaid card in the disclosure, remaining sum can be 0 or be a close end when initial.In one embodiment; the hardware entities that security module can realize in order to load applied business for mobile device; can be such as (client identification module Subscriber Identity Module; referred to as SIM), TF card (being also called T-Flash or TransFLash), safe digital card (Secure Digital Memory Card; referred to as SD), eSE security module (Embedded Secure Element) etc., this security module can adequately protect the safety of user in payment process.
In step s 102, when user to need with the payment funding of the first setting amount of money to counterparty, by the capital transfer of the first setting amount of money in prepaid card to the account of counterparty.
In one embodiment, user can pay the fund of this setting amount of money to counterparty by the mode of NFC, in another embodiment, also can be paid the fund of this setting amount of money to payer by the mode of online transaction.In one embodiment, the account of counterparty can be the account of counterparty on hair fastener platform, also can be the account in bank.
In the present embodiment, by by the capital transfer of the first setting amount of money in prepaid card to counterparty in the account of hair fastener platform or bank, make user and counterparty can realize concluding the business by the prepaid card that hair fastener platform is downloaded, realize electronic cash and being separated on the e-bank's card business in correlation technique, improve the initiative of card issuer in transaction payment process.
In one embodiment, by the capital transfer of the first setting amount of money in prepaid card to the account of counterparty, can comprise:
Determine the Account Type of the account of counterparty;
The fund of the first setting amount of money in prepaid card is transferred to account corresponding to Account Type in the mode of NFC; Or,
The fund of the first setting amount of money in prepaid card is transferred to account corresponding to Account Type by the mode of online payment.
In an embodiment, method also can comprise:
The bank card of prepaid card with user is bound mutually;
In prepaid card, the fund of the second setting amount of money is proceeded to by bank card.
In an embodiment, method also can comprise:
When user needs to nullify prepaid card, send de-registration request message by mobile device to hair fastener platform, in de-registration request message, carry the identify label of user and the card number information of prepaid card;
Receive the cancellation feedback message determining to nullify prepaid card from hair fastener platform, nullify the identify label and the card number information that carry user in feedback message.
Concrete how to realize mobile payment, please refer to subsequent embodiment.
So far, the said method that disclosure embodiment provides, user and counterparty can be made can to realize concluding the business by the prepaid card that hair fastener platform is downloaded, realize electronic cash and being separated on the e-bank's card business in correlation technique, improve the initiative of card issuer in transaction payment process.
With specific embodiment, the technical scheme that disclosure embodiment provides is described below.
Fig. 2 A is the process flow diagram of the method for mobile payment according to an exemplary embodiment one, and Fig. 2 B is the scene graph of the method for mobile payment according to an exemplary embodiment one; The said method that the present embodiment utilizes disclosure embodiment to provide, still be not enough to be how undertaken transferring accounts by bank card carrying out exemplary illustration when paying to be carried out mobile payment and the amount of money in prepaid card by the mode of NFC, as shown in Figure 2 A, comprise the steps:
In step s 201, after the user of mobile device succeeds in registration on hair fastener platform, by the mode downloaded, the prepaid card that hair fastener platform provides is downloaded to the security module of mobile device in the air.
The description of step S201 please refer to the description of above-mentioned steps S101, is not described in detail in this.As shown in Figure 2 B, mobile device 21 can be registered on hair fastener platform 20, and after succeeding in registration, user can start electronic wallet service on mobile device 21.
In step S202, user need by first setting the amount of money payment funding to counterparty time, determine whether the remaining sum in prepaid card is greater than the first setting amount of money, if not, perform step S203, if so, perform step S205.
As shown in Figure 2 B, user needs to carry out payment behavior by mobile device 21 to POS 22, when paying, need to determine that whether the remaining sum in prepaid card is sufficient, if inadequate, then user can be pointed out the fund that first sets the amount of money to be gone in prepaid card by the bank card bound mutually with prepaid card.
In step S203, the bank card of prepaid card with user is bound mutually.
As shown in Figure 2 B, by the mode of set up applications on mobile device 21, the bank card of prepaid card with user can be bound mutually, in one embodiment, existing for user bank card and prepaid card can be bound by user temporarily, namely only just prepaid card and bank card are bound when Sorry, your ticket has not enough value to pay for prepaid card, in another embodiment, existing for user bank card and prepaid card can be bound by user for a long time, and the disclosure does not limit concrete binding condition; By interim binding; the consumer behavior of disabled user can be limited; such as; disabled user is after stealing mobile device 21; consumed by mobile device 21, when Sorry, your ticket has not enough value for prepaid card, because prepaid card and bank card are not bound; therefore disabled user does not illegally consume after transferring accounts to the bank card bound with prepaid card, thus the economic interests of validated user can be protected not suffer a loss.
In step S204, in prepaid card, proceeded to the fund of the first setting amount of money by bank card.
In step S205, the first setting amount of money in prepaid card is transferred to counterparty in the account of hair fastener platform in the mode of NFC.
In one embodiment, NFC is a kind of radiotelegraphy of short distance high frequency, run in 20 cm distance in 13.56MHz frequency, under NFC is operated in snap gauge simulation models (Card emulation), in the disclosure, security module in mobile device 21 (such as, SIM card, TF/SD card or built-in eSE form exist) be equivalent to the IC-card that is supported non-contact technology, thus mobile device 21 can be made to substitute IC-card closely pay, such as, market swipe the card, mass transit card, gate inhibition's control, ticket, admission ticket etc.Alternatively, also by the mode of online payment, the setting amount of money can be transferred to account corresponding to counterparty, such as, counterparty the account of hair fastener platform, counterparty in the account of bank, etc.
The present embodiment is except the Advantageous Effects with above-described embodiment; prepaid card in correlation technique exists as the form of card; when remaining sum in card is zero because card can not reuse; therefore user can be abandoned usually; the disclosure is by binding the bank card of prepaid card with user mutually; thus prepaid card can be made only need to register at hair fastener platform; by bank card to prepaid card transfer accounts reset after can reuse; therefore the disclosure also has saving fabrication cost, the beneficial effect of economic environmental protection.
Fig. 3 is the process flow diagram of the method for mobile payment according to an exemplary embodiment two; How the said method that the present embodiment utilizes disclosure embodiment to provide, nullify prepaid card when not needing prepaid card for user and carry out exemplary illustration, as shown in Figure 3, comprise the steps:
In step S301, after the user of mobile device succeeds in registration on hair fastener platform, by the mode downloaded, the prepaid card that hair fastener platform provides is downloaded to the security module of mobile device in the air.
The description of step S301 please refer to the description of above-mentioned steps S101, is not described in detail in this.
In step s 302, when user needs to nullify prepaid card, send de-registration request message by mobile device to hair fastener platform, in de-registration request message, carry the identify label of user and the card number information of prepaid card.
In one embodiment, the identify label of user can comprise the identification card number of user, the cell-phone number of user, the device id of mobile device bound mutually with prepaid card (such as, mobile device international identity code (International Mobile Equipment Identity, referred to as IMEI)) or the SIM card that provides of operator number or security module equipment unique number (SEID), etc.
In step S303, receive the cancellation feedback message determining to nullify prepaid card from hair fastener platform, nullify the identify label and the card number information that carry user in feedback message.
In the present embodiment, when user needs prepaid card to nullify, only need by sending de-registration request message to hair fastener platform, hair fastener platform can carry out cancellation process according to this de-registration request message to prepaid card, user is avoided to go to sales counter to handle cancellation, enable user offer prepaid card at any time, nullify prepaid card at any time, thus facilitate the disposal of user to prepaid card.
Fig. 4 is the block diagram of a kind of mobile payment device according to an exemplary embodiment, and on the mobile apparatus, as shown in Figure 4, this mobile payment device comprises in application:
Download module 41, after the user being configured to mobile device succeeds in registration on hair fastener platform, is downloaded to the security module of mobile device in the air by the prepaid card that hair fastener platform provides by the mode downloaded;
Payment module 42, be configured to when user to need the payment funding of the first setting amount of money to counterparty, the capital transfer of the first setting amount of money in the prepaid card download download module 41 is to the account of counterparty.
Fig. 5 is the block diagram of the another kind of mobile payment device according to an exemplary embodiment, and on above-mentioned basis embodiment illustrated in fig. 5, above-mentioned payment module 42 can comprise:
Determine submodule 421, be configured to the account type of the account determining counterparty;
First pays submodule 422, is configured to the setting amount of money in the prepaid card downloaded by download module 41 and is transferred to the account determining that Account Type that submodule 421 is determined is corresponding in the mode of NFC; Or,
Second pays submodule 423, is configured to the setting amount of money in the prepaid card downloaded by download module 41 and is transferred to the account determining that Account Type that submodule 421 is determined is corresponding by the mode of online payment.
In an embodiment, device also can comprise:
Account binding module 43, the bank card being configured to prepaid card and the user downloaded by download module 41 is bound mutually;
Fund proceeds to module 44, and the bank card being configured to be bound by account binding module 43 proceeds to the fund of the second setting amount of money in prepaid card.
In an embodiment, device also can comprise:
Sending module 45, is configured to, when user needs the prepaid card nullifying download module 41 download, send de-registration request message, carry the identify label of user and the card number information of prepaid card in de-registration request message to hair fastener platform;
Receiver module 46, is configured to receive the cancellation feedback message determining to nullify prepaid card from hair fastener platform, nullifies in feedback message the identify label and card number information that carry and send the user that mould 45 pieces sends.
About the device in above-described embodiment, wherein the concrete mode of modules executable operations has been described in detail in about the embodiment of the method, will not elaborate explanation herein.
Fig. 6 is a kind of block diagram being applicable to mobile payment device according to an exemplary embodiment.Such as, device 600 can be mobile phone, computing machine, digital broadcast terminal, messaging devices, game console, tablet device, Medical Devices, body-building equipment, personal digital assistant etc.
With reference to Fig. 6, device 600 can comprise following one or more assembly: processing components 602, storer 604, power supply module 606, multimedia groupware 608, audio-frequency assembly 610, the interface 612 of I/O (I/O), sensor module 614, and communications component 616.
The integrated operation of the usual control device 600 of processing components 602, such as with display, call, data communication, camera operation and record operate the operation be associated.Treatment element 602 can comprise one or more processor 620 to perform instruction, to complete all or part of step of above-mentioned method.In addition, processing components 602 can comprise one or more module, and what be convenient between processing components 602 and other assemblies is mutual.Such as, processing element 602 can comprise multi-media module, mutual with what facilitate between multimedia groupware 608 and processing components 602.
Storer 604 is configured to store various types of data to be supported in the operation of equipment 600.The example of these data comprises for any application program of operation on device 600 or the instruction of method, contact data, telephone book data, message, picture, video etc.Storer 604 can be realized by the volatibility of any type or non-volatile memory device or their combination, as static RAM (SRAM), Electrically Erasable Read Only Memory (EEPROM), Erasable Programmable Read Only Memory EPROM (EPROM), programmable read only memory (PROM), ROM (read-only memory) (ROM), magnetic store, flash memory, disk or CD.
The various assemblies that electric power assembly 606 is device 600 provide electric power.Electric power assembly 606 can comprise power-supply management system, one or more power supply, and other and the assembly generating, manage and distribute electric power for device 600 and be associated.
Multimedia groupware 608 is included in the screen providing an output interface between described device 600 and user.In certain embodiments, screen can comprise liquid crystal display (LCD) and touch panel (TP).If screen comprises touch panel, screen may be implemented as touch-screen, to receive the input signal from user.Touch panel comprises one or more touch sensor with the gesture on sensing touch, slip and touch panel.Described touch sensor can the border of not only sensing touch or sliding action, but also detects the duration relevant to described touch or slide and pressure.In certain embodiments, multimedia groupware 608 comprises a front-facing camera and/or post-positioned pick-up head.When equipment 600 is in operator scheme, during as screening-mode or video mode, front-facing camera and/or post-positioned pick-up head can receive outside multi-medium data.Each front-facing camera and post-positioned pick-up head can be fixing optical lens systems or have focal length and optical zoom ability.
Audio-frequency assembly 610 is configured to export and/or input audio signal.Such as, audio-frequency assembly 610 comprises a microphone (MIC), and when device 600 is in operator scheme, during as call model, logging mode and speech recognition mode, microphone is configured to receive external audio signal.The sound signal received can be stored in storer 604 further or be sent via communications component 616.In certain embodiments, audio-frequency assembly 610 also comprises a loudspeaker, for output audio signal.
I/O interface 612 is for providing interface between processing components 602 and peripheral interface module, and above-mentioned peripheral interface module can be keyboard, some striking wheel, button etc.These buttons can include but not limited to: home button, volume button, start button and locking press button.
Sensor module 614 comprises one or more sensor, for providing the state estimation of various aspects for device 600.Such as, sensor module 614 can detect the opening/closing state of equipment 600, the relative positioning of assembly, such as described assembly is display and the keypad of device 600, the position of all right pick-up unit 600 of sensor module 614 or device 600 1 assemblies changes, the presence or absence that user contacts with device 600, the temperature variation of device 600 orientation or acceleration/deceleration and device 600.Sensor module 614 can comprise proximity transducer, be configured to without any physical contact time detect near the existence of object.Sensor module 614 can also comprise optical sensor, as CMOS or ccd image sensor, for using in imaging applications.In certain embodiments, this sensor module 614 can also comprise acceleration transducer, gyro sensor, Magnetic Sensor, pressure transducer or temperature sensor.
Communications component 616 is configured to the communication being convenient to wired or wireless mode between device 600 and other equipment.Device 600 can access the wireless network based on communication standard, as WiFi, 2G or 3G, or their combination.In one exemplary embodiment, communication component 616 receives from the broadcast singal of external broadcasting management system or broadcast related information via broadcast channel.In one exemplary embodiment, described communication component 616 also comprises near-field communication (NFC) module, to promote junction service.Such as, can based on radio-frequency (RF) identification (RFID) technology in NFC module, Infrared Data Association (IrDA) technology, ultra broadband (UWB) technology, bluetooth (BT) technology and other technologies realize.
In the exemplary embodiment, device 600 can be realized, for performing said method by one or more application specific integrated circuit (ASIC), digital signal processor (DSP), digital signal processing appts (DSPD), programmable logic device (PLD) (PLD), field programmable gate array (FPGA), controller, microcontroller, microprocessor or other electronic components.
In the exemplary embodiment, additionally provide a kind of non-transitory computer-readable recording medium comprising instruction, such as, comprise the storer 604 of instruction, above-mentioned instruction can perform said method by the processor 620 of device 600.Such as, described non-transitory computer-readable recording medium can be ROM, random access memory (RAM), CD-ROM, tape, floppy disk and optical data storage devices etc.
Those skilled in the art, at consideration instructions and after putting into practice disclosed herein disclosing, will easily expect other embodiment of the present disclosure.The application is intended to contain any modification of the present disclosure, purposes or adaptations, and these modification, purposes or adaptations are followed general principle of the present disclosure and comprised the undocumented common practise in the art of the disclosure or conventional techniques means.Instructions and embodiment are only regarded as exemplary, and true scope of the present disclosure and spirit are pointed out by claim below.
Should be understood that, the disclosure is not limited to precision architecture described above and illustrated in the accompanying drawings, and can carry out various amendment and change not departing from its scope.The scope of the present disclosure is only limited by appended claim.
Claims (9)
1. a method of mobile payment, on the mobile apparatus, it is characterized in that, described method comprises in application:
After the user of mobile device succeeds in registration on hair fastener platform, by the mode downloaded, the prepaid card that described hair fastener platform provides is downloaded to the security module of described mobile device in the air;
When described user to need the payment funding of the first setting amount of money to counterparty, by the capital transfer of the described first setting amount of money in described prepaid card to the account of described counterparty.
2. method according to claim 1, is characterized in that, the described account of capital transfer to described counterparty described first in described prepaid card being set the amount of money, comprising:
Determine the Account Type of the account of described counterparty;
The fund of the described first setting amount of money in described prepaid card is transferred to account corresponding to described Account Type in the mode of NFC; Or,
The fund of the described first setting amount of money in described prepaid card is transferred to account corresponding to described Account Type by the mode of online payment.
3. method according to claim 1, is characterized in that, described method also comprises:
The bank card of described prepaid card with described user is bound mutually;
In described prepaid card, the fund of the second setting amount of money is proceeded to by described bank card.
4. method according to claim 1, is characterized in that, described method also comprises:
When described user needs to nullify described prepaid card, send de-registration request message by described mobile device to described hair fastener platform, in described de-registration request message, carry the identify label of described user and the card number information of described prepaid card;
Receive and determine from described hair fastener platform the cancellation feedback message nullifying described prepaid card, in described cancellation feedback message, carry the identify label of described user and described card number information.
5. a mobile payment device, on the mobile apparatus, it is characterized in that, described device comprises in application:
Download module, after the user being configured to mobile device succeeds in registration on hair fastener platform, is downloaded to the security module of described mobile device in the air by the prepaid card that described hair fastener platform provides by the mode downloaded;
Payment module, be configured to when described user to need the payment funding of the first setting amount of money to counterparty, the capital transfer of the described first setting amount of money in the described prepaid card downloaded by described download module is to the account of described counterparty.
6. device according to claim 5, is characterized in that, described payment module comprises:
Determine submodule, be configured to the account type of the account determining described counterparty;
First pays submodule, and the fund being configured to the described first setting amount of money in the described prepaid card downloaded by described download module is transferred to account corresponding to the described described Account Type determining that submodule is determined in the mode of NFC; Or,
Second pays submodule, and the fund being configured to the described first setting amount of money in the described prepaid card downloaded by described download module is transferred to account corresponding to the described described Account Type determining that submodule is determined by the mode of online payment.
7. device according to claim 5, is characterized in that, described device also comprises:
Account binding module, the described prepaid card being configured to described download module to download is bound mutually with the bank card of described user;
Fund proceeds to module, is configured to the fund being proceeded to the second setting amount of money by the described bank card of described account binding module binding in described prepaid card.
8. device according to claim 5, is characterized in that, described device also comprises:
Sending module, be configured to when described user needs the prepaid card nullifying the download of described download module, send de-registration request message to described hair fastener platform, in described de-registration request message, carry the identify label of described user and the card number information of described prepaid card;
Receiver module, be configured to receive the cancellation feedback message determining to nullify the prepaid card that described download module is downloaded from described hair fastener platform, in described cancellation feedback message, carry the identify label of the described user that described sending module sends and described card number information.
9. a mobile payment device, is characterized in that, described device comprises:
Processor;
For the storer of storage of processor executable instruction;
Wherein, described processor is configured to:
After the user of mobile device succeeds in registration on hair fastener platform, by the mode downloaded, the prepaid card that described hair fastener platform provides is downloaded to the security module of described mobile device in the air;
When described user to need the payment funding of the first setting amount of money to counterparty, by the capital transfer of the described first setting amount of money in described prepaid card to the account of described counterparty.
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| CN106127462A (en) * | 2016-06-20 | 2016-11-16 | 上海易码信息科技有限公司 | Method of mobile payment under the line of prepaid card account carrier |
| CN107230052A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of digital cash payment is carried out using digital cash chip card |
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