CN105488673A - Electronic consumption method, device and system - Google Patents

Electronic consumption method, device and system Download PDF

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Publication number
CN105488673A
CN105488673A CN201510884399.9A CN201510884399A CN105488673A CN 105488673 A CN105488673 A CN 105488673A CN 201510884399 A CN201510884399 A CN 201510884399A CN 105488673 A CN105488673 A CN 105488673A
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CN
China
Prior art keywords
aid
discount rate
smart card
list
sale terminal
Prior art date
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Application number
CN201510884399.9A
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Chinese (zh)
Inventor
尹艳鹏
李爽
尹艳青
逯进元
李远飞
胡欣
李贵军
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China United Network Communications Group Co Ltd
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China United Network Communications Group Co Ltd
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Priority to CN201510884399.9A priority Critical patent/CN105488673A/en
Publication of CN105488673A publication Critical patent/CN105488673A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3572—Multiple accounts on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The embodiment of the invention provides an electronic consumption method, device and system. The method comprises the following steps: a smart card receives query information sent from a point-of-sale terminal, wherein the query information comprises a plurality of AIDs (Application Identifier); the smart card queries a pre-stored first list on the basis of the plurality of AIDs to judge whether the first list contains at least two AIDs in the plurality of AIDs or not, wherein the first list comprises a plurality of entries, and each entry comprises AID and a discount rate; and if the first list comprises at least two AIDs in the plurality of AIDs, the smart card sends the at least two AIDs and the discount rates independently corresponding to the at least two AIDs to the point-of-sale terminal to cause the point-of-sale terminal to deduct a sum of consumption from an electronic wallet corresponding to the AID with the lowest discount rate. The embodiment of the invention compares the discount rates of a plurality of electronic wallets to determine the lowest discount rate, the sum of consumption is deducted from the electronic wallet corresponding to the lowest discount rate, and the flexibility of the consumption payment ways of the plurality of electronic wallets is improved.

Description

Electronic transaction method, Apparatus and system
Technical field
The embodiment of the present invention relates to communication technical field, particularly relates to a kind of electronic transaction method, Apparatus and system.
Background technology
Along with the development of mobile communication technology, mobile terminal particularly mobile phone has become means of communication indispensable in people's daily life, user by sending short message by mobile phone, call and communicate with other users.
In prior art, mobile phone has been no longer for the means of communication sending note, call, also can be used to consume, particularly, the client identification module (SubscriberIdentityModule in mobile phone, be called for short SIM) block and can support multiple stored value card modes of payments, user buys commodity when needing to pay, and is placed on by mobile phone on point-of-sale terminal (PointofSale, be called for short POS), by the SIM card in POS scanning cell phone, to deduct the amount of money in stored value card.
Although SIM card can support multiple stored value card modes of payments, multiple stored value card cannot be used flexibly to carry out consumption and payment.
Summary of the invention
The embodiment of the present invention provides a kind of electronic transaction method, Apparatus and system, to improve the dirigibility of multiple stored value card consumption and payment mode.
An aspect of the embodiment of the present invention is to provide a kind of electronic transaction method, comprising:
Smart card receives the Query Information that point-of-sale terminal sends, and described Query Information comprises multiple application identification code AID;
Described smart card inquires about according to described multiple AID the first list prestored, and judge at least two AID whether comprised in described first list in described multiple AID, described first list comprises multiple entry, and each entry comprises described AID and discount rate;
If described first list comprises at least two AID in described multiple AID, then described at least two AID and its discount rate corresponding are respectively sent to point-of-sale terminal by described smart card, deduct spending amount to make described point-of-sale terminal from stored value card corresponding to the AID that discount rate is minimum.
Another aspect of the embodiment of the present invention is to provide a kind of electronic transaction method, comprising:
Point-of-sale terminal sends Query Information to smart card, described Query Information comprises multiple application identification code AID, inquire about according to described multiple AID the first list prestored to make described smart card, judge at least two AID whether comprised in described first list in described multiple AID, described first list comprises multiple entry, and each entry comprises described AID and discount rate;
When described first list comprises at least two AID in described multiple AID, described point-of-sale terminal receives described at least two AID and its discount rate corresponding respectively of the transmission of described smart card;
Described point-of-sale terminal deducts spending amount from stored value card corresponding to the AID that discount rate is minimum.
Another aspect of the embodiment of the present invention is to provide a kind of smart card, comprising:
Receiver module, for receiving the Query Information that point-of-sale terminal sends, described Query Information comprises multiple application identification code AID;
Judge module, for inquiring about according to described multiple AID the first list prestored, judge at least two AID whether comprised in described first list in described multiple AID, described first list comprises multiple entry, and each entry comprises described AID and discount rate;
Sending module, if comprise at least two AID in described multiple AID for described first list, then described at least two AID and its discount rate corresponding are respectively sent to point-of-sale terminal, from stored value card corresponding to the AID that discount rate is minimum, deduct spending amount to make described point-of-sale terminal.
Another aspect of the embodiment of the present invention is to provide a kind of point-of-sale terminal, comprising:
Sending module, for sending Query Information to smart card, described Query Information comprises multiple application identification code AID, inquire about according to described multiple AID the first list prestored to make described smart card, judge at least two AID whether comprised in described first list in described multiple AID, described first list comprises multiple entry, and each entry comprises described AID and discount rate;
Receiver module, for when described first list comprises at least two AID in described multiple AID, receives described at least two AID and its discount rate corresponding respectively of described smart card transmission;
To deduct fees module, deduct spending amount in the stored value card that the AID minimum from discount rate is corresponding.
Another aspect of the embodiment of the present invention is to provide a kind of electronic consumption system, comprises described smart card and described point-of-sale terminal.
The electronic transaction method that the embodiment of the present invention provides, Apparatus and system, by the discount rate of more multiple stored value card, determine minimum discount rate, and deduct spending amount from stored value card corresponding to minimum discount rate, improve the dirigibility of multiple stored value card consumption and payment mode.
Accompanying drawing explanation
The electronic transaction method process flow diagram that Fig. 1 provides for the embodiment of the present invention;
The electronic transaction method process flow diagram that Fig. 2 provides for another embodiment of the present invention;
The signaling diagram that the electronic transaction method that Fig. 3 provides for the embodiment of the present invention is suitable for;
The signaling diagram that the electronic transaction method that Fig. 4 provides for another embodiment of the present invention is suitable for;
The structural drawing of the smart card that Fig. 5 provides for the embodiment of the present invention;
The structural drawing of the point-of-sale terminal that Fig. 6 provides for the embodiment of the present invention;
The structural drawing of the electronic consumption system that Fig. 7 provides for the embodiment of the present invention.
Embodiment
The electronic transaction method process flow diagram that Fig. 1 provides for the embodiment of the present invention.The embodiment of the present invention can support multiple stored value card modes of payments for SIM card, but multiple stored value card cannot be used flexibly to carry out consumption and payment, and provide electronic transaction method, the method concrete steps are as follows:
Step S101, smart card receive the Query Information that point-of-sale terminal sends, and described Query Information comprises multiple application identification code AID;
In embodiments of the present invention, the smart card that mobile phone is installed is specially RFSIM card, RFSIM jig has payment function, this payment function can support multiple stored value card, RFSIM is stuck in when dispatching from the factory and is planned the storage space of this RFSIM card by operator, and by card reader, discount rate file is written in RFSIM card by operator, discount rate file comprises discount rate index, trade company ID, discount rate and effective time, and concrete form is as shown in table 1:
Table 1
Be previously stored with AID list in the POS of trade company, this AID row tableau format is specifically as shown in table 2:
Table 2
Call number Trade company ID AID
300001 SH001 2001
300002 SH001 2002
When user has bought commodity, at the cashier clearing spending amount of trade company, and during with this spending amount of mobile-phone payment, be placed on the smart card in the point-of-sale terminal scanning cell phone at cashier place, and send Query Information to smart card, concrete Query Information comprises multiple application identification code AID, a trade company ID is stored in a point-of-sale terminal and POS, this trade company ID is for identifying trade company belonging to this POS or shop, simultaneously, this trade company ID is as shown in table 2 to there being multiple AID, and SH001,2001 and 2002 is sent to smart card by POS.
Step S102, described smart card inquire about according to described multiple AID the first list prestored, judge at least two AID whether comprised in described first list in described multiple AID, described first list comprises multiple entry, and each entry comprises described AID and discount rate;
Smart card inquires about according to 2001 and 2002 the first list prestored, this first list is specially table 1, smart card is first according to SH001 question blank 1, obtain the AID corresponding with SH001, as shown in table 1, with SH001 to there being two AID, i.e. AID=2001 and AID=2002, secondly, whether smart card comprises 2001 and 2002 according to the AID corresponding with SH001 in 2001 and 2002 inquiry the first lists of POS transmission, preferably, in the first list of smart cards for storage of providing of the embodiment of the present invention, the AID corresponding with SH001 comprises 2001 and 2002.
If described first list of step S103 comprises at least two AID in described multiple AID, then described at least two AID and its discount rate corresponding are respectively sent to point-of-sale terminal by described smart card, deduct spending amount to make described point-of-sale terminal from stored value card corresponding to the AID that discount rate is minimum.
As shown in table 1, with SH001 to having two groups of AID and discount rate, i.e. AID=2001, discount rate is 0.98; AID=2002, discount rate is 0.96, and smart card determines that discount rate that AID=2001 and AID=2002 is corresponding did not respectively have after date at corresponding effective time, and by AID=2001, discount rate is 0.98; AID=2002, discount rate is 0.96 send to POS, POS determines that discount rate that AID=2002 is corresponding is lower than discount rate corresponding to AID=2001, then from stored value card corresponding to the AID=2002 of smart card support, deduct spending amount, and the actual value of the commodity that this spending amount is user to be bought is multiplied by the result after this discount rate 0.96.
On the basis of the embodiment of the present invention, each entry of described first list also comprises call number, trade company ID and discount effective time.
As shown in table 1, each entry of described first list also comprises call number, trade company ID and discount effective time, and call number is herein specially discount rate index, for identifying an entry; Trade company ID is specially and supports the businessman of discount or the identification number in shop, and a sheet smart card can enjoy the discount of multiple trade company; Discount is used for guaranteeing that user enjoys corresponding discount within this effective time effective time.
The embodiment of the present invention, by the discount rate of more multiple stored value card, determines minimum discount rate, and deducts spending amount from stored value card corresponding to minimum discount rate, improves the dirigibility of multiple stored value card consumption and payment mode.
The electronic transaction method process flow diagram that Fig. 2 provides for another embodiment of the present invention.The embodiment of the present invention can support multiple stored value card modes of payments for SIM card, but multiple stored value card cannot be used flexibly to carry out consumption and payment, and provide electronic transaction method, the method concrete steps are as follows:
Step S201, point-of-sale terminal send Query Information to smart card, described Query Information comprises multiple application identification code AID, inquire about according to described multiple AID the first list prestored to make described smart card, judge at least two AID whether comprised in described first list in described multiple AID, described first list comprises multiple entry, and each entry comprises described AID and discount rate;
In embodiments of the present invention, the smart card that mobile phone is installed is specially RFSIM card, RFSIM jig has payment function, this payment function can support multiple stored value card, RFSIM is stuck in when dispatching from the factory and is planned the storage space of this RFSIM card by operator, and by card reader, discount rate file being written in RFSIM card by operator, discount rate file comprises discount rate index, trade company ID, discount rate and effective time.AID list is previously stored with in the POS of trade company, this AID row tableau format is specifically as shown in table 2, when user has bought commodity, at the cashier clearing spending amount of trade company, and during with this spending amount of mobile-phone payment, be placed on the smart card in the point-of-sale terminal scanning cell phone at cashier place, and send Query Information to smart card, concrete Query Information comprises multiple application identification code AID, a trade company ID is stored in a point-of-sale terminal and POS, this trade company ID is for identifying trade company belonging to this POS or shop, simultaneously, this trade company ID is as shown in table 2 to there being multiple AID, POS is by SH001, 2001 and 2002 send to smart card.
If described first list of step S202 comprises at least two AID in described multiple AID, described point-of-sale terminal receives described at least two AID and its discount rate corresponding respectively of the transmission of described smart card;
Smart card inquires about according to 2001 and 2002 the first list prestored, this first list is specially table 1, smart card is first according to SH001 question blank 1, obtain the AID corresponding with SH001, as shown in table 1, with SH001 to there being two AID, i.e. AID=2001 and AID=2002, secondly, whether smart card comprises 2001 and 2002 according to the AID corresponding with SH001 in 2001 and 2002 inquiry the first lists of POS transmission, preferably, in the first list of smart cards for storage of providing of the embodiment of the present invention, the AID corresponding with SH001 comprises 2001 and 2002.
Step S203, described point-of-sale terminal deduct spending amount from stored value card corresponding to the AID that discount rate is minimum.
As shown in table 1, with SH001 to having two groups of AID and discount rate, i.e. AID=2001, discount rate is 0.98; AID=2002, discount rate is 0.96, and smart card determines that discount rate that AID=2001 and AID=2002 is corresponding did not respectively have after date at corresponding effective time, and by AID=2001, discount rate is 0.98; AID=2002, discount rate is 0.96 send to POS, POS determines that discount rate that AID=2002 is corresponding is lower than discount rate corresponding to AID=2001, then from stored value card corresponding to the AID=2002 of smart card support, deduct spending amount, and the actual value of the commodity that this spending amount is user to be bought is multiplied by the result after this discount rate 0.96.
The embodiment of the present invention, by the discount rate of more multiple stored value card, determines minimum discount rate, and deducts spending amount from stored value card corresponding to minimum discount rate, improves the dirigibility of multiple stored value card consumption and payment mode.
On the basis of above-described embodiment, described point-of-sale terminal deducts spending amount from stored value card corresponding to the AID that discount rate is minimum, comprising: described point-of-sale terminal determine described in minimum discount rate and AID corresponding to described minimum discount rate at least two AID and its discount rate corresponding respectively; Described point-of-sale terminal sends consumption order to described smart card, and described consumption order comprises AID corresponding to described minimum discount rate; Described point-of-sale terminal receives the confirmation of deducting fees that described smart card sends, and deducts spending amount in stored value card corresponding to the minimum AID of the discount rate stored from described smart card.
Smart card determines that discount rate that AID=2001 and AID=2002 is corresponding did not respectively have after date at corresponding effective time, and by AID=2001, discount rate is 0.98; AID=2002, discount rate is 0.96 send to POS, POS determines that discount rate that AID=2002 is corresponding is lower than discount rate corresponding to AID=2001, POS sends consumption order to smart card, consumption order specifically comprises AID corresponding to minimum discount rate that is 2002, after smart card receives AID=2002, POS sends confirmation of deducting fees, and deducts spending amount in the stored value card that the AID=2002 that POS stores from smart card is corresponding.
Store the second list in described point-of-sale terminal, described second list comprises trade company ID and described multiple AID.In embodiments of the present invention, the second list is specially table 2.
The embodiment of the present invention show in particular the method that point-of-sale terminal deducts spending amount from stored value card corresponding to the AID that discount rate is minimum.
The signaling diagram that the electronic transaction method that Fig. 3 provides for the embodiment of the present invention is suitable for; The signaling diagram that the electronic transaction method that Fig. 4 provides for another embodiment of the present invention is suitable for; As shown in Figure 3, the concrete steps of electronic transaction method are as follows:
Step S301, point-of-sale terminal send Query Information to smart card;
Step S302, smart card return discount rate corresponding to multiple AID and each AID to point-of-sale terminal;
Step S303, the AID that point-of-sale terminal determination discount rate is minimum;
Step S304, point-of-sale terminal send consumption order to smart card;
Step S305, smart card return to point-of-sale terminal confirmation of deducting fees.
As shown in Figure 4, the concrete steps of electronic transaction method are as follows:
Step S401, point-of-sale terminal send the first Query Information to smart card;
Step S402, smart card return the first discount rate corresponding to an an AID and AID to point-of-sale terminal;
Step S403, point-of-sale terminal send the second Query Information to smart card;
Step S404, smart card return the first discount rate corresponding to the 2nd AID and the 2nd AID to point-of-sale terminal;
Step S405, point-of-sale terminal compare the first discount rate and the second discount rate;
Step S406, the AID that point-of-sale terminal determination discount rate is minimum;
Step S407, point-of-sale terminal send consumption order to smart card;
Step S408, smart card return to point-of-sale terminal confirmation of deducting fees.
The method that the embodiment of the present invention provides is consistent with the method in above-described embodiment, repeats no more herein.
The embodiment of the present invention, by the discount rate of more multiple stored value card, determines minimum discount rate, and deducts spending amount from stored value card corresponding to minimum discount rate, improves the dirigibility of multiple stored value card consumption and payment mode.
The structural drawing of the smart card that Fig. 5 provides for the embodiment of the present invention.The smart card that the embodiment of the present invention provides can perform the treatment scheme that electronic transaction method embodiment provides, as shown in Figure 5, smart card 50 comprises receiver module 51, judge module 52 and sending module 53, wherein, the Query Information that receiver module 51 sends for receiving point-of-sale terminal, described Query Information comprises multiple application identification code AID; Judge module 52 is for inquiring about according to described multiple AID the first list prestored, and judge at least two AID whether comprised in described first list in described multiple AID, described first list comprises multiple entry, and each entry comprises described AID and discount rate; If sending module 53 comprises at least two AID in described multiple AID for described first list, then described at least two AID and its discount rate corresponding are respectively sent to point-of-sale terminal, from stored value card corresponding to the AID that discount rate is minimum, deduct spending amount to make described point-of-sale terminal.
Each entry of described first list also comprises call number, trade company ID and discount effective time.
The embodiment of the present invention, by the discount rate of more multiple stored value card, determines minimum discount rate, and deducts spending amount from stored value card corresponding to minimum discount rate, improves the dirigibility of multiple stored value card consumption and payment mode.
The structural drawing of the point-of-sale terminal that Fig. 6 provides for the embodiment of the present invention.The point-of-sale terminal that the embodiment of the present invention provides can the treatment scheme that provides of electronic transaction method embodiment, as shown in Figure 6, point-of-sale terminal 60 comprises sending module 61, receiver module 62 and module 63 of deducting fees, wherein, sending module 61 is for sending Query Information to smart card, described Query Information comprises multiple application identification code AID, inquire about according to described multiple AID the first list prestored to make described smart card, judge at least two AID whether comprised in described first list in described multiple AID, described first list comprises multiple entry, each entry comprises described AID and discount rate, receiver module 62, for when described first list comprises at least two AID in described multiple AID, receives described at least two AID and its discount rate corresponding respectively of described smart card transmission, module of deducting fees 63 is for deducting spending amount in stored value card corresponding to the AID minimum from discount rate.
The embodiment of the present invention, by the discount rate of more multiple stored value card, determines minimum discount rate, and deducts spending amount from stored value card corresponding to minimum discount rate, improves the dirigibility of multiple stored value card consumption and payment mode.
On the basis of above-described embodiment, module of deducting fees 63 is specifically for minimum discount rate at least two AID described in determining and its discount rate corresponding respectively and AID corresponding to described minimum discount rate; Sending module 61 is also for sending consumption order to described smart card, and described consumption order comprises AID corresponding to described minimum discount rate; Receiver module 62 is also for receiving the confirmation of deducting fees that described smart card sends; Module of deducting fees 63 is specifically for deducting spending amount in stored value card corresponding to AID that the discount rate that stores from described smart card is minimum.
The point-of-sale terminal that the embodiment of the present invention provides can specifically for performing the embodiment of the method that above-mentioned Fig. 2 provides, and concrete function repeats no more herein.
The embodiment of the present invention show in particular the method that point-of-sale terminal deducts spending amount from stored value card corresponding to the AID that discount rate is minimum.
The structural drawing of the electronic consumption system that Fig. 7 provides for the embodiment of the present invention.The electronic consumption system that the embodiment of the present invention provides can perform the treatment scheme that electronic transaction method embodiment provides, and as shown in Figure 7, electronic consumption system 70 comprises the smart card 50 in above-described embodiment and the point-of-sale terminal 60 in above-described embodiment.
The electronic consumption system that the embodiment of the present invention provides can perform the treatment scheme that electronic transaction method embodiment provides.
In sum, the embodiment of the present invention, by the discount rate of more multiple stored value card, determines minimum discount rate, and deducts spending amount from stored value card corresponding to minimum discount rate, improves the dirigibility of multiple stored value card consumption and payment mode; Show in particular the method that point-of-sale terminal deducts spending amount from stored value card corresponding to the AID that discount rate is minimum.
In several embodiment provided by the present invention, should be understood that, disclosed apparatus and method, can realize by another way.Such as, device embodiment described above is only schematic, such as, the division of described unit, be only a kind of logic function to divide, actual can have other dividing mode when realizing, such as multiple unit or assembly can in conjunction with or another system can be integrated into, or some features can be ignored, or do not perform.Another point, shown or discussed coupling each other or direct-coupling or communication connection can be by some interfaces, and the indirect coupling of device or unit or communication connection can be electrical, machinery or other form.
The described unit illustrated as separating component or can may not be and physically separates, and the 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 unit wherein can be selected according to the actual needs to realize the object of the present embodiment scheme.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, also can be that the independent physics of unit exists, also can two or more unit in a unit integrated.Above-mentioned integrated unit both can adopt the form of hardware to realize, and the form that hardware also can be adopted to add SFU software functional unit realizes.
The above-mentioned integrated unit realized with the form of SFU software functional unit, can be stored in a computer read/write memory medium.Above-mentioned SFU software functional unit is stored in a storage medium, comprising some instructions in order to make a computer equipment (can be personal computer, server, or the network equipment etc.) or processor (processor) perform the part steps of method described in each embodiment of the present invention.And aforesaid storage medium comprises: USB flash disk, portable hard drive, ROM (read-only memory) (Read-OnlyMemory, ROM), random access memory (RandomAccessMemory, RAM), magnetic disc or CD etc. various can be program code stored medium.
Those skilled in the art can be well understood to, for convenience and simplicity of description, only be illustrated with the division of above-mentioned each functional module, in practical application, can distribute as required and by above-mentioned functions and be completed by different functional modules, inner structure by device is divided into different functional modules, to complete all or part of function described above.The specific works process of the device of foregoing description, with reference to the corresponding process in preceding method embodiment, can not repeat them here.
Last it is noted that above each embodiment is only in order to illustrate technical scheme of the present invention, be not intended to limit; Although with reference to foregoing embodiments to invention has been detailed description, those of ordinary skill in the art is to be understood that: it still can be modified to the technical scheme described in foregoing embodiments, or carries out equivalent replacement to wherein some or all of technical characteristic; And these amendments or replacement, do not make the essence of appropriate technical solution depart from the scope of various embodiments of the present invention technical scheme.

Claims (10)

1. an electronic transaction method, is characterized in that, comprising:
Smart card receives the Query Information that point-of-sale terminal sends, and described Query Information comprises multiple application identification code AID;
Described smart card inquires about according to described multiple AID the first list prestored, and judge at least two AID whether comprised in described first list in described multiple AID, described first list comprises multiple entry, and each entry comprises described AID and discount rate;
If described first list comprises at least two AID in described multiple AID, then described at least two AID and its discount rate corresponding are respectively sent to point-of-sale terminal by described smart card, deduct spending amount to make described point-of-sale terminal from stored value card corresponding to the AID that discount rate is minimum.
2. method according to claim 1, is characterized in that, each entry of described first list also comprises call number, trade company ID and discount effective time.
3. an electronic transaction method, is characterized in that, comprising:
Point-of-sale terminal sends Query Information to smart card, described Query Information comprises multiple application identification code AID, inquire about according to described multiple AID the first list prestored to make described smart card, judge at least two AID whether comprised in described first list in described multiple AID, described first list comprises multiple entry, and each entry comprises described AID and discount rate;
When described first list comprises at least two AID in described multiple AID, described point-of-sale terminal receives described at least two AID and its discount rate corresponding respectively of the transmission of described smart card;
Described point-of-sale terminal deducts spending amount from stored value card corresponding to the AID that discount rate is minimum.
4. method according to claim 3, is characterized in that, described point-of-sale terminal deducts spending amount from stored value card corresponding to the AID that discount rate is minimum, comprising:
Described point-of-sale terminal determine described in minimum discount rate and AID corresponding to described minimum discount rate at least two AID and its discount rate corresponding respectively;
Described point-of-sale terminal sends consumption order to described smart card, and described consumption order comprises AID corresponding to described minimum discount rate;
Described point-of-sale terminal receives the confirmation of deducting fees that described smart card sends, and deducts spending amount in stored value card corresponding to the minimum AID of the discount rate stored from described smart card.
5. method according to claim 4, is characterized in that, stores the second list in described point-of-sale terminal, and described second list comprises trade company ID and described multiple AID.
6. a smart card, is characterized in that, comprising:
Receiver module, for receiving the Query Information that point-of-sale terminal sends, described Query Information comprises multiple application identification code AID;
Judge module, for inquiring about according to described multiple AID the first list prestored, judge at least two AID whether comprised in described first list in described multiple AID, described first list comprises multiple entry, and each entry comprises described AID and discount rate;
Sending module, if comprise at least two AID in described multiple AID for described first list, then described at least two AID and its discount rate corresponding are respectively sent to point-of-sale terminal, from stored value card corresponding to the AID that discount rate is minimum, deduct spending amount to make described point-of-sale terminal.
7. smart card according to claim 6, is characterized in that, each entry of described first list also comprises call number, trade company ID and discount effective time.
8. a point-of-sale terminal, is characterized in that, comprising:
Sending module, for sending Query Information to smart card, described Query Information comprises multiple application identification code AID, inquire about according to described multiple AID the first list prestored to make described smart card, judge at least two AID whether comprised in described first list in described multiple AID, described first list comprises multiple entry, and each entry comprises described AID and discount rate;
Receiver module, for when described first list comprises at least two AID in described multiple AID, receives described at least two AID and its discount rate corresponding respectively of described smart card transmission;
To deduct fees module, deduct spending amount in the stored value card that the AID minimum from discount rate is corresponding.
9. point-of-sale terminal according to claim 8, is characterized in that, described in deduct fees module specifically for minimum discount rate at least two AID described in determining and its discount rate corresponding respectively and AID corresponding to described minimum discount rate;
Described sending module is also for sending consumption order to described smart card, and described consumption order comprises AID corresponding to described minimum discount rate;
Described receiver module is also for receiving the confirmation of deducting fees that described smart card sends;
Described module of deducting fees is specifically for deducting spending amount in stored value card corresponding to AID that the discount rate that stores from described smart card is minimum.
10. an electronic consumption system, is characterized in that, comprises smart card as claimed in claims 6 or 7, and point-of-sale terminal as claimed in claim 8 or 9.
CN201510884399.9A 2015-12-03 2015-12-03 Electronic consumption method, device and system Pending CN105488673A (en)

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Citations (3)

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Publication number Priority date Publication date Assignee Title
CN103236003A (en) * 2013-04-09 2013-08-07 深圳市雄帝科技股份有限公司 E-wallet payment method and device
CN103246996A (en) * 2013-05-17 2013-08-14 雅酷时空科技开发（北京）有限公司 Method, system, price enquiring system, terminal and checking system for realizing discount consumption
CN103903369A (en) * 2012-12-27 2014-07-02 中国银联股份有限公司 Method and device for prompting user to select payment bank card to obtain concessions

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103903369A (en) * 2012-12-27 2014-07-02 中国银联股份有限公司 Method and device for prompting user to select payment bank card to obtain concessions
CN103236003A (en) * 2013-04-09 2013-08-07 深圳市雄帝科技股份有限公司 E-wallet payment method and device
CN103246996A (en) * 2013-05-17 2013-08-14 雅酷时空科技开发（北京）有限公司 Method, system, price enquiring system, terminal and checking system for realizing discount consumption

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