CN105278943A - Deposit method, smart card and remote system - Google Patents

Deposit method, smart card and remote system Download PDF

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Publication number
CN105278943A
CN105278943A CN201410355156.1A CN201410355156A CN105278943A CN 105278943 A CN105278943 A CN 105278943A CN 201410355156 A CN201410355156 A CN 201410355156A CN 105278943 A CN105278943 A CN 105278943A
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China
Prior art keywords
account
credit request
information
confirmation
smart card
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CN201410355156.1A
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Chinese (zh)
Inventor
陈成钱
郭伟
周钰
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Priority to CN201410355156.1A priority Critical patent/CN105278943A/en
Publication of CN105278943A publication Critical patent/CN105278943A/en
Pending legal-status Critical Current

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Abstract

The invention discloses a method for depositing the amount of an electronic current account in a smart card into the other account. The method comprises the following steps that a deposit request is sent to a remote system, wherein the deposit request comprises a deposit record and information of the other account, and the deposit record comprises a deposit request ID and amount deposited; the amount deposited is deducted from the electronic current account; deposit confirmation information comprising the deposit request ID is received from the remote system, wherein the deposit confirmation information indicates that the remote system successfully deposits the amount deposited into the other account according to the received information of the other account; responding to the deposit request ID in the deposit confirmation information, the corresponding deposit record is cleared.

Description

Deposit method, smart card and remote system
Technical field
The present invention relates to the data processing of electronic cash application, and particularly relate to the amount of money of the electronic cash account in smart card stored in the method for other account, smart card and remote system.
Background technology
User can install electronic cash application within a smart card.Because the memory capacity of smart card is limited, user may expect from smart card, delete electronic cash application.In this case, user can only select the amount of money be finished in electronic cash account to carry out deletion action more usually, because directly delete electronic cash application, user will lose this part amount of money.
Therefore, a kind of technical scheme raising user is needed to use the dirigibility of electronic cash.
Summary of the invention
According to some embodiments, the present invention discloses following technical scheme:
A kind of by the method for the amount of money of the electronic cash account in smart card stored in other account, the method comprises: send credit request to remote system, this credit request comprises the information of deposit record and other account described, described deposit record comprises credit request ID and amount deposited, described amount deposited is deducted from described electronic cash account, the confirmation deposit information comprising described credit request ID is received from described remote system, wherein, described confirmation deposit information show described remote system according to receive described in other account information successfully by described amount deposited stored in other account described, in response to the credit request ID in this confirmation deposit information, remove the deposit record of described correspondence.
Alternatively, said method also comprises, when not receiving the confirmation deposit information from described remote system in the predetermined amount of time after sending described credit request, send punching to described remote system just to ask, this punching is just asking to comprise described credit request ID, positive object information is rushed from described remote system confirmation of receipt, described confirmation is rushed positive object information and is shown that described credit request ID is not successfully processed by described remote system, rush positive object information in response to described confirmation, recover deducted amount deposited from described electronic cash account.
Alternatively, other account described is the virtual account of bank account or specific electron business application.
Alternatively, described amount deposited is the remaining sum of described electronic cash account.
A kind of by the method for the amount of money of the electronic cash account in smart card stored in other account, the method comprises: receive credit request from described smart card, this credit request comprises the information of deposit record and other account described, described deposit record comprises credit request ID and amount deposited, according to reception, the information of other account is attempted described amount deposited stored in other account described, when according to receive described in other account information successfully by described amount deposited stored in other account described time, the confirmation deposit information comprising described credit request ID is sent to described smart card, credit request ID in described confirmation deposit information is provided for described smart card can know corresponding deposit record.
Alternatively, said method also comprises, receive punching from described smart card just to ask, this punching is just asking to show not receive described confirmation deposit information in the predetermined amount of time of described smart card after sending described credit request, this punching is just asking to comprise described credit request ID, judge whether corresponding credit request is successfully processed according to described credit request ID, when judging that corresponding credit request is not successfully processed, send confirmation to described smart card and rush positive object information, this confirmation is rushed positive object information and is provided for described smart card and can recovers deducted amount deposited from described electronic cash account.
Alternatively, other account described is the virtual account of bank account or specific electron business application.
Alternatively, described amount deposited is the remaining sum of described electronic cash account.
A kind of smart card, comprise sending module, processing module, receiver module, wherein, described sending module, for sending credit request to remote system, this credit request comprises the information of deposit record and other account described, described deposit record comprises credit request ID and amount deposited, described processing module, for deducting described amount deposited from described electronic cash account, described receiver module, for receiving the confirmation deposit information comprising described credit request ID from described remote system, wherein, described confirmation deposit information show described remote system according to receive described in other account information successfully by described amount deposited stored in other account described, wherein, described processing module is in response to the credit request ID in this confirmation deposit information, remove the deposit record of described correspondence.
Alternatively, described processing module is not also for when receiving the confirmation deposit information from described remote system in the predetermined amount of time after sending described credit request, utilize described sending module to send punching to described remote system just to ask, this punching is just asking to comprise described credit request ID, described receiver module is also for rushing positive object information from described remote system confirmation of receipt, described confirmation is rushed positive object information and is shown that described credit request ID is not successfully processed by described remote system, described processing module is also for rushing positive object information in response to described confirmation, deducted amount deposited is recovered from described electronic cash account.
A kind of by the remote system of the amount of money of the electronic cash account in smart card stored in other account, comprise receiver module, processing module, sending module, wherein, described receiver module, for receiving credit request from described smart card, this credit request comprises the information of deposit record and other account described, described deposit record comprises credit request ID and amount deposited, described processing module, information for other account according to reception is attempted described amount deposited stored in other account described, described processing module also for when according to receive described in other account information successfully by described amount deposited stored in other account described time, described sending module is utilized to send the confirmation deposit information comprising described credit request ID to described smart card, credit request ID in described confirmation deposit information is provided for described smart card can know corresponding deposit record.
Alternatively, described receiver module is also just asked for receiving punching from described smart card, this punching is just asking to show not receive described confirmation deposit information in the predetermined amount of time of described smart card after sending described credit request, this punching is just asking to comprise described credit request ID, according to described credit request ID, described processing module is also for judging whether corresponding credit request is successfully processed, when judging that corresponding credit request is not successfully processed, utilize described sending module to send confirmation to described smart card and rush positive object information, this confirmation is rushed positive object information and is provided for described smart card and can recovers deducted amount deposited from described electronic cash account.
Technical scheme of the present invention makes user in oneself account stored in electronic cash, improves dirigibility and convenience that user uses electronic cash.
Accompanying drawing explanation
After having read the specific embodiment of the present invention with reference to accompanying drawing, those skilled in the art will become apparent the present invention.One skilled in the art will appreciate that these accompanying drawings only for coordinating embodiment that technical scheme of the present invention is described, and and be not intended to be construed as limiting protection scope of the present invention.
Fig. 1 illustrates the process of of the amount of money of the electronic cash account in smart card stored in other account.
Fig. 2 illustrates the amount of money of the electronic cash account in smart card another process stored in other account.
Fig. 3 is the schematic diagram of smart card according to the embodiment of the present invention and remote system.
Embodiment
Fig. 1 illustrates the process of of the amount of money of the electronic cash account in smart card stored in other account.
As shown in the figure, at electronic cash application (smart card) end:
Send credit request to remote system, this credit request comprises the information of deposit record and other account described, and described deposit record comprises credit request ID and amount deposited,
Described amount deposited is deducted from described electronic cash account,
Receive the confirmation deposit information comprising described credit request ID from described remote system, wherein, described confirmation deposit information show described remote system according to the information of other account described in receiving successfully by described amount deposited stored in other account described,
In response to the credit request ID in this confirmation deposit information, remove the deposit record of described correspondence.
Wherein, credit request ID can be general unique identifier (UUID), and amount deposited can be inputted by user, and alternatively, amount deposited can be the remaining sum of electronic cash account.
At remote system end:
Receive credit request from described smart card, this credit request comprises the information of deposit record and other account described, and described deposit record comprises credit request ID and amount deposited,
According to reception, the information of other account is attempted by described amount deposited stored in other account described,
When according to receive described in other account information successfully by described amount deposited stored in other account described time, send the confirmation deposit information comprising described credit request ID to described smart card, the credit request ID in described confirmation deposit information is provided for described smart card can know corresponding deposit record.
May, due to reasons such as such as communication conditions, cause remote system not receive credit request, or smart card not receive the confirmation deposit information, due to such as remote system self reason, deposit operation failure may be caused yet.Fig. 2 illustrates and the amount of money of the electronic cash account in smart card another process stored in other account is used for tackling this situation.
As shown in Figure 2, at electronic cash application (smart card) end:
When not receiving the confirmation deposit information from described remote system in the predetermined amount of time after sending described credit request, send punching to described remote system and just ask, this punching is just asking to comprise described credit request ID,
Rush positive object information from described remote system confirmation of receipt, described confirmation is rushed positive object information and is shown that described credit request ID is not successfully processed by described remote system,
Rush positive object information in response to described confirmation, recover deducted amount deposited from described electronic cash account.
At remote system end:
Receive punching from described smart card just to ask, this punching is just asking to show not receive described confirmation deposit information in the predetermined amount of time of described smart card after sending described credit request, and this punching is just asking to comprise described credit request ID,
Judge whether corresponding credit request is successfully processed according to described credit request ID, when judging that corresponding credit request is not successfully processed, send confirmation to described smart card and rush positive object information, this confirmation is rushed positive object information and is provided for described smart card and can recovers deducted amount deposited from described electronic cash account.
In the described embodiment, other account can be the virtual account of bank account or specific electron business application.Electronic cash account is associated with electronic cash application.In one embodiment, electronic cash application can be associated with two or more electronic cash account.
In one embodiment, at remote system end, judge whether corresponding credit request is successfully processed according to described credit request ID, when judging that corresponding credit request is successfully processed, sending rejection to described smart card and rushing positive object information.Now, when receiving rejection in smart card termination and rushing positive object information, electronic cash account will not recovered to the operation of deducted amount deposited.
Fig. 3 is the schematic diagram of smart card according to the embodiment of the present invention and remote system.Smart card and remote system can pass through internet communication.Or smart card can communicate with remote system via client on the internet or on other network with remote system.In one example, client can be POS terminal, and smart card can be inserted in client, thus to initiate deposit operation.Application Protocol Data Unit (APDU) order sent by smart card can be converted into networking command by client and be sent to remote system; Similarly, also can be converted to APDU order by client from the networking command of remote system and be sent to smart card.In another example, smart card is set up in a mobile communication device, and mobile communication equipment is communicated with remote system by mobile communications network.
Smart card and remote system can comprise multiple functional module separately for realizing the step according to Fig. 1 and Fig. 2.
In one embodiment, smart card comprises sending module, processing module, receiver module, wherein, described sending module, for sending credit request to remote system, this credit request comprises the information of deposit record and other account described, described deposit record comprises credit request ID and amount deposited, described processing module, for deducting described amount deposited from described electronic cash account, described receiver module, for receiving the confirmation deposit information comprising described credit request ID from described remote system, wherein, described confirmation deposit information show described remote system according to receive described in other account information successfully by described amount deposited stored in other account described, wherein, described processing module is in response to the credit request ID in this confirmation deposit information, remove the deposit record of described correspondence.
In another embodiment, the described processing module of smart card is not also for when receiving the confirmation deposit information from described remote system in the predetermined amount of time after sending described credit request, utilize described sending module to send punching to described remote system just to ask, this punching is just asking to comprise described credit request ID, described receiver module is also for rushing positive object information from described remote system confirmation of receipt, described confirmation is rushed positive object information and is shown that described credit request ID is not successfully processed by described remote system, described processing module is also for rushing positive object information in response to described confirmation, deducted amount deposited is recovered from described electronic cash account.
In one embodiment, remote system comprises receiver module, processing module, sending module, wherein, described receiver module, for receiving credit request from described smart card, this credit request comprises the information of deposit record and other account described, described deposit record comprises credit request ID and amount deposited, described processing module, information for other account according to reception is attempted described amount deposited stored in other account described, described processing module also for when according to receive described in other account information successfully by described amount deposited stored in other account described time, described sending module is utilized to send the confirmation deposit information comprising described credit request ID to described smart card, credit request ID in described confirmation deposit information is provided for described smart card can know corresponding deposit record.
In another embodiment, the described receiver module of remote system is also just asked for receiving punching from described smart card, this punching is just asking to show not receive described confirmation deposit information in the predetermined amount of time of described smart card after sending described credit request, this punching is just asking to comprise described credit request ID, according to described credit request ID, described processing module is also for judging whether corresponding credit request is successfully processed, when judging that corresponding credit request is not successfully processed, utilize described sending module to send confirmation to described smart card and rush positive object information, this confirmation is rushed positive object information and is provided for described smart card and can recovers deducted amount deposited from described electronic cash account.
In the above-described embodiments, after smart card sends credit request, deposit record is stored in the recording areas of smart card, when comprising the confirmation deposit information of credit request ID with box lunch application from remote system reception, finds corresponding deposit record and remove this record in recording areas.After the deposit operation success of remote system, deposit record is stored in remote system, with convenient remote system receiving package containing credit request ID rush just ask time, by judging that the recording areas whether this credit request ID is recorded in remote system judges whether this credit request is processed.
In other embodiments, remote system can also comprise enquiry module, makes user can be inquired about the deposit record of remote system stored by this remote system of remote access.
By the description of above embodiment, those skilled in the art can understand, and when without departing from the spirit and scope of the present invention, can also do various change and replacement to the specific embodiment of the present invention.These change and replace and all drop in claims of the present invention limited range.

Claims (16)

1. by the amount of money of the electronic cash account in smart card stored in a method for other account, it is characterized in that, the method comprises:
Send credit request to remote system, this credit request comprises the information of deposit record and other account described, and described deposit record comprises credit request ID and amount deposited,
Described amount deposited is deducted from described electronic cash account,
Receive the confirmation deposit information comprising described credit request ID from described remote system, wherein, described confirmation deposit information show described remote system according to the information of other account described in receiving successfully by described amount deposited stored in other account described,
In response to the credit request ID in this confirmation deposit information, remove the deposit record of described correspondence.
2. the method for claim 1, is characterized in that, also comprises,
When not receiving the confirmation deposit information from described remote system in the predetermined amount of time after sending described credit request, send punching to described remote system and just ask, this punching is just asking to comprise described credit request ID,
Rush positive object information from described remote system confirmation of receipt, described confirmation is rushed positive object information and is shown that described credit request ID is not successfully processed by described remote system,
Rush positive object information in response to described confirmation, recover deducted amount deposited from described electronic cash account.
3. method as claimed in claim 1 or 2, it is characterized in that, other account described is the virtual account of bank account or specific electron business application.
4. method as claimed in claim 1 or 2, it is characterized in that, described amount deposited is the remaining sum of described electronic cash account.
5. by the amount of money of the electronic cash account in smart card stored in a method for other account, it is characterized in that, the method comprises:
Receive credit request from described smart card, this credit request comprises the information of deposit record and other account described, and described deposit record comprises credit request ID and amount deposited,
According to reception, the information of other account is attempted by described amount deposited stored in other account described,
When according to receive described in other account information successfully by described amount deposited stored in other account described time, send the confirmation deposit information comprising described credit request ID to described smart card, the credit request ID in described confirmation deposit information is provided for described smart card can know corresponding deposit record.
6. method as claimed in claim 5, is characterized in that, also comprise,
Receive punching from described smart card just to ask, this punching is just asking to show not receive described confirmation deposit information in the predetermined amount of time of described smart card after sending described credit request, and this punching is just asking to comprise described credit request ID,
Judge whether corresponding credit request is successfully processed according to described credit request ID, when judging that corresponding credit request is not successfully processed, send confirmation to described smart card and rush positive object information, this confirmation is rushed positive object information and is provided for described smart card and can recovers deducted amount deposited from described electronic cash account.
7. the method as described in claim 5 or 6, is characterized in that, other account described is the virtual account of bank account or specific electron business application.
8. the method as described in claim 5 or 6, is characterized in that, described amount deposited is the remaining sum of described electronic cash account.
9. a smart card, is characterized in that, comprises sending module, processing module, receiver module, wherein,
Described sending module, for sending credit request to remote system, this credit request comprises the information of deposit record and other account described, and described deposit record comprises credit request ID and amount deposited,
Described processing module, for deducting described amount deposited from described electronic cash account,
Described receiver module, for receiving the confirmation deposit information comprising described credit request ID from described remote system, wherein, described confirmation deposit information show described remote system according to the information of other account described in receiving successfully by described amount deposited stored in other account described, wherein
Described processing module, in response to the credit request ID in this confirmation deposit information, removes the deposit record of described correspondence.
10. smart card as claimed in claim 9, is characterized in that,
Described processing module is not also for when receiving the confirmation deposit information from described remote system in the predetermined amount of time after sending described credit request, utilize described sending module to send punching to described remote system just to ask, this punching is just asking to comprise described credit request ID
Described receiver module is also for rushing positive object information from described remote system confirmation of receipt, and described confirmation is rushed positive object information and shown that described credit request ID is not successfully processed by described remote system,
Described processing module, also for rushing positive object information in response to described confirmation, recovers deducted amount deposited from described electronic cash account.
11. smart cards as described in claim 9 or 10, it is characterized in that, other account described is the virtual account of bank account or specific electron business application.
12. smart cards as described in claim 9 or 10, it is characterized in that, described amount deposited is the remaining sum of described electronic cash account.
13. 1 kinds by the amount of money of the electronic cash account in smart card stored in the remote system of other account, it is characterized in that, comprise receiver module, processing module, sending module, wherein,
Described receiver module, for receiving credit request from described smart card, this credit request comprises the information of deposit record and other account described, and described deposit record comprises credit request ID and amount deposited,
Described processing module, the information for other account according to reception is attempted by described amount deposited stored in other account described,
Described processing module also for when according to receive described in other account information successfully by described amount deposited stored in other account described time, utilize described sending module to send the confirmation deposit information comprising described credit request ID to described smart card, the credit request ID in described confirmation deposit information is provided for described smart card can know corresponding deposit record.
14. remote systems as claimed in claim 13, is characterized in that,
Described receiver module is also just asked for receiving punching from described smart card, and this punching is just asking to show not receive described confirmation deposit information in the predetermined amount of time of described smart card after sending described credit request, and this punching is just asking to comprise described credit request ID,
According to described credit request ID, described processing module is also for judging whether corresponding credit request is successfully processed, when judging that corresponding credit request is not successfully processed, utilize described sending module to send confirmation to described smart card and rush positive object information, this confirmation is rushed positive object information and is provided for described smart card and can recovers deducted amount deposited from described electronic cash account.
15. remote systems as described in claim 13 or 14, it is characterized in that, other account described is the virtual account of bank account or specific electron business application.
16. remote systems as described in claim 13 or 14, it is characterized in that, described amount deposited is the remaining sum of described electronic cash account.
CN201410355156.1A 2014-07-24 2014-07-24 Deposit method, smart card and remote system Pending CN105278943A (en)

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