CN105931037A - Electronic cash transfer method, device and system - Google Patents
Electronic cash transfer method, device and system Download PDFInfo
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- CN105931037A CN105931037A CN201510670487.9A CN201510670487A CN105931037A CN 105931037 A CN105931037 A CN 105931037A CN 201510670487 A CN201510670487 A CN 201510670487A CN 105931037 A CN105931037 A CN 105931037A
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- Prior art keywords
- circle
- electronic cash
- request
- script
- deposited
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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
- G06Q20/32—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]
- G06Q20/3223—Realising banking transactions through M-devices
-
- 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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- 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
- G06Q20/326—Payment applications installed on the mobile devices
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
Abstract
The invention discloses an electronic cash transfer method, device and system. The method includes sending a money deduction request to a payment device and receiving the returned transaction certificate after the money is deduced from the payment device; sending a transfer request based on the transaction certificate to a back-end server and receiving the transfer scripts returned by the back-end server; and transferring the sum in the transaction certificate based on the transfer scripts. According to the invention, the money is transferred to one electronic cash account by means of the transaction certificate of the money deduction of another electronic cash account, and the problem that the person-to-person account transfer cannot be realized in an off-line transaction scene in the related technologies, so that the function of electronic cash offline transfer is realized and the transfer between the electronic cash accounts under an offline state can be realized. Therefore, users' offline transaction is facilitated and the quick person-to-person transfer is realized.
Description
Technical field
The present invention relates to mobile financial services industry, particularly relate to a kind of electronic cash circle deposit method, Apparatus and system.
Background technology
In the related, electronic cash application is just for paying scene.In online lower shopping process, holder is hand-held
Support the bank card of electronic cash application, the POS supporting electronic cash application is consumed, generate electronic cash
Consumption certificate, after withholing successfully, holder takes commodity away.The POS of businessman is collecting a number of electronic cash
After consumption certificate, batch sending schedule of dealing, the clearance between credit card issuer and receipts single file, businessman obtains and sells goods
The fund of thing.
But, in off-line transaction, individual-to-individual account transfer payment will be also the main application scenarios of electronic cash application,
And, it is achieved can individual-to-individual quickly transfers accounts, be the electronic cash key factor that preferably substitute bank note cash.
The individual-to-individual problem transferred accounts, the most not yet proposition cannot be realized for scene of concluding the business under correlation technique center line to have
The solution of effect.
Summary of the invention
The invention provides a kind of electronic cash circle deposit method, Apparatus and system, at least to solve under correlation technique center line
Transaction scene cannot realize the individual-to-individual problem transferred accounts.
According to an aspect of the invention, it is provided a kind of electronic cash circle deposit method, wherein, the method includes: to
Payment equipment sends the request of withholing, and receives the transaction voucher returned after described payment equipment is withholdd successfully；Take to backstage
Business device sends circle based on described transaction voucher and deposits request, and script deposited by the circle receiving the return of described background server；Root
Deposit script according to described circle the amount of money in described transaction voucher is carried out circle to deposit.
Preferably, described payment equipment is electronic cash card, sends, to described payment equipment, the request of withholing and includes: based on
(Near Field Communication, near-field communication) NFC Reader pattern described electronic cash card of reading, and to
Described electronic cash card sends the request of withholing.
Preferably, described payment equipment is the terminal unit supporting electronic cash application, sends button to described payment equipment
Money request includes: send, to described terminal unit, the request of withholing based on NFC PtoP pattern；Or, use with lower section
At least one formula to described terminal unit send withholing request: bluetooth, audio frequency, (Universal Serial Bus, lead to
With universal serial bus) USB.
Preferably, deposit script according to described circle and the amount of money in described transaction voucher is carried out circle deposit, including: according to described
Script deposited by circle, updates and shows the amount of money in electronic cash account.
According to another aspect of the present invention, it is provided that scenario generation method deposited by a kind of electronic cash circle, wherein, the party
Method includes: request deposited by the circle based on transaction voucher receiving gathering mobile terminal transmission, and corresponding to described payment equipment
Credit card issuer send transaction credential verification request, wherein, described transaction voucher is that described gathering mobile terminal sets with payment
For the transaction voucher produced after concluding the business successfully；After being proved to be successful, the credit card issuer corresponding to described gathering mobile terminal sends
Request deposited by the circle corresponding with the amount of money of described transaction voucher；Receive what credit card issuer corresponding to described gathering mobile terminal returned
Script deposited by circle, described circle is deposited script and sends to described gathering mobile terminal, so that described gathering mobile terminal is according to institute
State circle to deposit script and the amount of money in described transaction voucher is carried out circle deposit.
According to another aspect of the present invention, it is provided that a kind of electronic cash circle cryopreservation device, it is applied to mobile terminal of collecting money,
Wherein, this device includes: request module of withholing, and for sending, to payment equipment, the request of withholing, and receives described payment
The transaction voucher that equipment returns after withholing successfully；Request module deposited by circle, for sending based on described friendship to background server
Easily request deposited by the circle of voucher, and script deposited by the circle receiving the return of described background server；Circle storing module, for according to institute
State circle to deposit script and the amount of money in described transaction voucher is carried out circle deposit.
Preferably, described payment equipment is electronic cash card, described in withhold request module specifically for based on near-field communication
NFC Reader pattern reads described electronic cash card, and sends, to described electronic cash card, the request of withholing.
Preferably, described payment equipment is the terminal unit supporting electronic cash application, described in request module of withholing concrete
For sending, to described terminal unit, the request of withholing based on NFC PtoP pattern；Or, the most at least it
One to the transmission request of withholing of described terminal unit: bluetooth, audio frequency, general-purpose serial bus USB.
Preferably, described circle storing module, specifically for depositing script according to described circle, update and show that described gathering is mobile
The amount of money in the electronic cash account that terminal is corresponding.
According to another aspect of the present invention, it is provided that script generation device deposited by a kind of electronic cash circle, is applied to backstage
Server, wherein, this device includes: request receiver module, for receive gathering mobile terminal send based on transaction
Request deposited by the circle of voucher；Wherein, described transaction voucher is to produce after described gathering mobile terminal is concluded the business successfully with payment equipment
Raw transaction voucher；Authentication module, sends transaction credential verification request for the credit card issuer corresponding to described payment equipment；
Script request module deposited by circle, for after described authentication module is proved to be successful, to corresponding the sending out of described gathering mobile terminal
Card row sends the circle corresponding with the amount of money of described transaction voucher and deposits request；Script sending module deposited by circle, is used for receiving described
Script deposited by the circle that the credit card issuer that gathering mobile terminal is corresponding returns, and described circle is deposited script and sends to described gathering mobile eventually
End, carries out circle to the amount of money in described transaction voucher deposit so that described gathering mobile terminal deposits script according to described circle.
According to another aspect of the present invention, it is provided that a kind of electronic cash circle deposit system, wherein, described electronic cash
Circle deposit system includes: gathering mobile terminal, background server and payment equipment；Described gathering mobile terminal includes: electricity
Sub-cash management application module, connects described payment equipment, for sending, to described payment equipment, the request of withholing, and connects
Receive the transaction voucher returned after described payment equipment is withholdd successfully；To described background server send based on described transaction with
Request deposited by the circle of card, and script deposited by the circle receiving the return of described background server；Memory module, connects described electronics existing
Gold management application module, is used for storing described transaction voucher；Card module, connects described electronic cash management application mould
Block, for receive described electronic cash management application module send comprise described circle deposit script electronic cash application refer to
Order, deposits script according to described circle and the amount of money in described transaction voucher is carried out circle deposits.
Preferably, described card module includes: (Subscriber Identity Module, client identification module) SIM
Card and/or SD (Secure Digital, safe digital) card.
By the present invention, utilize the transaction voucher that an electronic cash account is withholdd to another electronic cash account circle
Deposit, solve scene of concluding the business under correlation technique center line and cannot realize the individual-to-individual problem transferred accounts, it is achieved that electronics is existing
Gold off line is transferred accounts function, it is achieved that money transfer transactions between electronic cash account under off-line state.Thus it is user friendly
Off-line transaction, it is achieved individual-to-individual quickly transfers accounts.
Accompanying drawing explanation
Accompanying drawing described herein is used for providing a further understanding of the present invention, constitutes the part of the application, this
Bright schematic description and description is used for explaining the present invention, is not intended that limitation of the invention.In the accompanying drawings:
Fig. 1 is the flow chart of the electronic cash circle deposit method of according to embodiments of the present invention；
Fig. 2 be according to embodiments of the present invention two electronic cash circle deposit the flow chart of scenario generation method；
Fig. 3 is the structural representation of the electronic cash circle cryopreservation device of according to embodiments of the present invention three；
Fig. 4 be according to embodiments of the present invention four electronic cash circle deposit the structural representation of script generation device；
Fig. 5 is the structural representation of the electronic cash circle deposit system of according to embodiments of the present invention five；
Fig. 6 is the operation principle schematic diagram of the electronic cash circle deposit system of according to embodiments of the present invention five；
Fig. 7 is six deposited by electronic cash circle and realize the schematic flow sheet transferred accounts of individual according to embodiments of the present invention.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Ground describes, it is clear that described embodiment is only a part of embodiment of the present invention rather than whole embodiments.
Based on embodiments of the invention, the institute that those of ordinary skill in the art are obtained under not making creative work premise
There are other embodiments, broadly fall into protection scope of the present invention.
In order to realize individual-to-individual quickly transferring accounts, it is primarily present the problem that following three points is to be solved: how a side
Or in the case of both sides' off line, it is achieved the account transfer between electronic cash account, how to transfer accounts in electronic cash account off line
During ensure safety, how during electronic cash account off line is transferred accounts, existing system is changed the least.Consider
Above-mentioned 3 problems to be solved, the invention provides a kind of electronic cash circle deposit method, Apparatus and system.Lead to below
Cross preferred embodiment to be introduced.
Embodiment one
Embodiments providing a kind of electronic cash circle deposit method, the method is applied to mobile terminal side of collecting money, should
Gathering mobile terminal is the mobile terminal (such as: mobile phone, panel computer etc.) supporting NFC.Fig. 1 is according to this
The flow chart of the electronic cash circle deposit method of inventive embodiments one, as it is shown in figure 1, the method comprises the following steps (step
Rapid S102-step S106):
Step S102, gathering mobile terminal sends, to payment equipment, the request of withholing, and receives payment equipment and withhold successfully
The transaction voucher of rear return.
Step S104, gathering mobile terminal sends circle based on transaction voucher to background server and deposits request, and receives
Script deposited by the circle that background server returns.
Step S106, gathering mobile terminal is deposited script according to circle and the amount of money in transaction voucher is carried out circle and deposited.Specifically,
Script can be deposited according to circle and update the amount of money in electronic cash account, and on the software such as APP of gathering mobile terminal
The amount of money in display electronic cash account.
By above-described embodiment, utilize a transaction voucher of withholing to deposit to another electronic cash account circle, solve phase
Scene of concluding the business under the technology center line of pass cannot realize the individual-to-individual problem transferred accounts, it is achieved that electronic cash off line is transferred accounts merit
Can, it is achieved that the money transfer transactions between electronic cash account in offline state.Thus user friendly off-line transaction,
Realize individual-to-individual quickly transferring accounts.
In the present embodiment, above-mentioned payment equipment can be electronic cash card, it is also possible to be to support electronic cash application
Terminal unit (such as: mobile phone).Electronic cash card and terminal unit are all easy to carry, it is simple to the operation of transferring accounts of user.
If payment equipment is electronic cash card, then sends, to payment equipment, the request of withholing and can pass through following optimal way
Realize: take electronic cash card based on NFC Reader mode reads, and send, to electronic cash card, the request of withholing.
If payment equipment is the terminal unit supporting electronic cash application, then send, to payment equipment, the request of withholing permissible
Realized by following optimal way: send, to terminal unit, the request of withholing based on NFC PtoP pattern；Or, use
At least one in the following manner is to the terminal unit transmission request of withholing: bluetooth, audio frequency, general-purpose serial bus USB.
By above two optimal way, no matter user uses electronic cash card payment or uses terminal unit payment,
Can complete quickly and easily and the money transfer transactions of mobile terminal of collecting money.Provide the user selection of more transferring accounts,
Improve Consumer's Experience.
Embodiment two
Based on same inventive concept, present embodiments providing a kind of electronic cash circle and deposit scenario generation method, the method should
For background server side.Fig. 2 be according to embodiments of the present invention two electronic cash circle deposit the flow process of scenario generation method
Figure, as in figure 2 it is shown, the method comprises the following steps (step S202-step S206):
Step S202, background server receives the circle based on transaction voucher of gathering mobile terminal transmission and deposits request, and
Send transaction credential verification request to credit card issuer corresponding to payment equipment, wherein, transaction voucher be gathering mobile terminal with
The transaction voucher that payment equipment produces after concluding the business successfully.
Step S204, after being proved to be successful, background server sends and transaction to the credit card issuer that gathering mobile terminal is corresponding
Request deposited by the circle that the amount of money of voucher is corresponding.
Step S206, background server receives the circle of credit card issuer return corresponding to gathering mobile terminal and deposits script, will circle
Deposit script to send to mobile terminal of collecting money, so that gathering mobile terminal deposits script according to circle, the amount of money in transaction voucher is entered
Row circle is deposited.Specifically, the amount of money in the electronic cash account of script renewal gathering mobile terminal can be deposited according to circle, and
The amount of money in electronic cash account is shown on the softwares such as the APP at gathering mobile terminal.
By above-described embodiment, background server credit card issuer based on paying party is traded credential verification, is proved to be successful
The credit card issuer request circle of backward beneficiary is deposited, thus ensure that the safety and reliability that circle is deposited.Achieve off-line state
Money transfer transactions between lower electronic cash account.Thus user friendly off-line transaction, it is achieved individual-to-individual is quick
Transfer accounts.
In step S202, background server sends transaction credential verification to the credit card issuer that payment equipment is corresponding and asks it
After, above-mentioned transaction voucher is verified by the credit card issuer that payment equipment is corresponding.After being proved to be successful, payment equipment is corresponding
Credit card issuer send, to background server, the notification message that is proved to be successful.Based on this, it is ensured that enter based on transaction voucher
The safety of operation deposited by row circle, ensures the fund security of both parties.Meanwhile, the credit card issuer that payment equipment is corresponding is permissible
The amount of money in the electronic cash account of payment equipment is updated after being proved to be successful.
In step S204, background server sends and the gold of transaction voucher to the credit card issuer that gathering mobile terminal is corresponding
After request deposited by the circle that volume is corresponding, the credit card issuer that gathering mobile terminal is corresponding agrees to that request deposited by above-mentioned circle, and takes to backstage
Business device returns circle and deposits script.Based on this, the hair fastener behavior subsequent implementation circle that gathering mobile terminal is corresponding is deposited operation and is provided circle
Deposit script, it is ensured that circle is deposited the safety of operation and implemented smoothly.
Embodiment three
Based on same inventive concept, the present embodiment provides a kind of electronic cash circle cryopreservation device, is applied to gathering mobile
Terminal, may be used for the electronic cash circle deposit method realized described by above-described embodiment one, as described in the following examples.
Owing to the principle of electronic cash circle cryopreservation device solution problem is similar to electronic cash circle deposit method, therefore electronic cash circle is deposited
The enforcement of device may refer to the enforcement of electronic cash method, repeats no more in place of repetition.Used below, term
" module " can realize the software of predetermined function and/or the combination of hardware.Although the device described by following example is relatively
Realize with software goodly, but hardware, or the realization of the combination of software and hardware also may and be contemplated.
Fig. 3 is the structural representation of the electronic cash circle cryopreservation device of according to embodiments of the present invention three, as it is shown on figure 3, should
Device includes: request module of withholing 10, circle deposit request module 12, circle storing module 14, have this structure below
Body explanation.
Withhold request module 10, for sending, to payment equipment, the request of withholing, and receive after payment equipment withholds successfully
The transaction voucher returned；
Circle deposit request module 12, be connected to request module 10 of withholing, for background server send based on transaction with
Request deposited by the circle of card, and script deposited by the circle receiving background server return；
Circle storing module 14, is connected to circle and deposits request module 12, for depositing script according to circle to the amount of money in transaction voucher
Carry out circle to deposit.Specifically, circle storing module 14, for depositing script according to circle, updates the electronics that gathering mobile terminal is corresponding
The amount of money in cash account, and can show in electronic cash account on the softwares such as the APP of gathering mobile terminal
The amount of money.
By above-described embodiment, utilize a transaction voucher of withholing to deposit to another electronic cash account circle, solve phase
Scene of concluding the business under the technology center line of pass cannot realize the individual-to-individual problem transferred accounts, it is achieved that electronic cash off line is transferred accounts merit
Can, it is achieved that the money transfer transactions between electronic cash account in offline state.Thus user friendly off-line transaction,
Realize individual-to-individual quickly transferring accounts.
In the present embodiment, above-mentioned payment equipment can be electronic cash card, it is also possible to be to support electronic cash application
Terminal unit (such as: mobile phone).Electronic cash card and terminal unit are all easy to carry, it is simple to the operation of transferring accounts of user.
If payment equipment is electronic cash card, above-mentioned request module 10 of withholing is specifically for based on NFC Reader
Mode reads takes electronic cash card, and sends, to electronic cash card, the request of withholing.
If payment equipment be support electronic cash application terminal unit, above-mentioned withhold request module 10 specifically for
Send, to terminal unit, the request of withholing based on NFC PtoP pattern；Or, at least one in the following ways to terminal
The equipment transmission request of withholing: bluetooth, audio frequency, USB.
By above two optimal way, no matter user uses electronic cash card payment or uses terminal unit payment,
Can complete quickly and easily and the money transfer transactions of mobile terminal of collecting money.Provide the user selection of more transferring accounts,
Improve Consumer's Experience.
Certainly, the simply one signal of above-mentioned Module Division divides, and the invention is not limited in this.This device can also be only
Including: request module of withholing and circle storing module, request module of withholing performs and asks to withhold relevant function, and mould deposited by circle
Block performs to deposit with request circle, receive circle deposits script and encloses the amount of money concluded the business in voucher and deposit relevant function, as long as
The Module Division of the purpose of the present invention can be realized, protection scope of the present invention all should be belonged to.
Embodiment four
Based on same inventive concept, the present embodiment provides a kind of electronic cash circle and deposits script generation device, be applied to
Background server, may be used for the electronic cash circle realized described by above-described embodiment two and deposits scenario generation method, as follows
Described in the embodiment in face.Deposit script generation device due to electronic cash circle to solve principle and the electronic cash circle of problem and deposit foot
This generation method is similar, and therefore electronic cash circle is deposited the enforcement of script generation device and be may refer to electronic cash circle and deposit script
The enforcement of generation method, repeats no more in place of repetition.
Fig. 4 be according to embodiments of the present invention four electronic cash circle deposit the structural representation of script generation device, such as Fig. 4
Shown in, this device includes: script request module 24 deposited by request receiver module 20, authentication module 22, circle, foot deposited by circle
This sending module 26, is specifically described this structure below.
Request receiver module 20, request deposited by the circle based on transaction voucher sent for receiving gathering mobile terminal；Its
In, transaction voucher is the transaction voucher produced after gathering mobile terminal is concluded the business successfully with payment equipment.
Authentication module 22, is connected to ask receiver module 20, sends transaction for the credit card issuer corresponding to payment equipment
Credential verification is asked.
Script request module 24 deposited by circle, is connected to authentication module 22, is used for after authentication module 22 is proved to be successful, to
The credit card issuer that gathering mobile terminal is corresponding sends the circle corresponding with the amount of money of transaction voucher and deposits request.
Script sending module 26 deposited by circle, is connected to circle and deposits script request module 24, is used for receiving gathering mobile terminal pair
Script deposited by the circle that the credit card issuer answered returns, and circle is deposited script and sends to mobile terminal of collecting money, so that gathering mobile terminal root
Deposit script according to circle the amount of money in transaction voucher is carried out circle and deposited.Specifically, script renewal gathering can be deposited according to circle mobile
The amount of money in the electronic cash account of terminal, and show electronic cash account on the software such as APP of gathering mobile terminal
The amount of money in family.
By above-described embodiment, background server credit card issuer based on paying party is traded credential verification, is proved to be successful
The credit card issuer request circle of backward beneficiary is deposited, thus ensure that the safety and reliability that circle is deposited.Achieve off-line state
Money transfer transactions between lower electronic cash account.Thus user friendly off-line transaction, it is achieved individual-to-individual is quick
Transfer accounts.
In the present embodiment, above-mentioned authentication module 22 please to the credit card issuer transmission transaction credential verification that payment equipment is corresponding
After asking, above-mentioned transaction voucher is verified by the credit card issuer that payment equipment is corresponding.After being proved to be successful, payment equipment
Corresponding credit card issuer sends the notification message being proved to be successful to background server.Based on this, it is ensured that based on transaction with
Card carries out enclosing the safety depositing operation, ensures the fund security of both parties.Meanwhile, the credit card issuer that payment equipment is corresponding
The amount of money in the electronic cash account of payment equipment can be updated after being proved to be successful.
Deposit script request module 24 at above-mentioned circle to send and the gold of transaction voucher to the credit card issuer that gathering mobile terminal is corresponding
After request deposited by the circle that volume is corresponding, after the credit card issuer that gathering mobile terminal is corresponding agrees to that request deposited by above-mentioned circle, to backstage
Server returns circle and deposits script.Based on this, the hair fastener behavior subsequent implementation circle that gathering mobile terminal is corresponding is deposited operation and is provided
Script deposited by circle, it is ensured that circle is deposited the safety of operation and implemented smoothly.
Embodiment five
Present embodiments provide a kind of electronic cash circle deposit system.Fig. 5 is the electronic cash of according to embodiments of the present invention five
The structural representation of circle deposit system, as it is shown in figure 5, this device includes: gathering mobile terminal, background server and pay
Money equipment.Above-mentioned gathering mobile terminal includes:
Electronic cash management application module, connects payment equipment, for sending, to payment equipment, the request of withholing, and receives
The transaction voucher that payment equipment returns after withholing successfully；Send circle based on transaction voucher to background server and deposit request,
And receive background server return circle deposit script；
Memory module, connects electronic cash management application module, for store transaction voucher；
Card module, connects electronic cash management application module, for receiving what electronic cash management application module sent
Comprise circle and deposit the electronic cash application instruction of script, deposit script according to circle and the amount of money in transaction voucher is carried out circle is deposited.Tool
Body ground, card module includes: SIM and/or SD card.
Fig. 6 is the operation principle schematic diagram of the electronic cash circle deposit system of according to embodiments of the present invention five, as shown in Figure 6,
The card of all support electronic cash application in electronic cash management application module management mobile terminal, memory module is deposited
Storage electronic cash transaction voucher, supports that the card module of electronic cash application refers to the support electronics issued by issuing bank
The smart card of cash application, the form such as including SIM, SD card.
Electronic cash management application module, after paying party is withholdd successfully, is stored in memory module the transaction voucher obtained
In.After can networking Deng mobile terminal, deposit to background server (alternatively referred to as adapter coupling servers) application circle and upload
Transaction voucher, background server passes through between credit card issuer mutual, returns circle and deposits script.The circle that electronic cash will return
Deposit script and be sent to card module by electronic cash application instruction, complete card circle and deposit.
Payment equipment shown in the present embodiment is not limited to electronic cash card and mobile phone, supports electronic cash transaction including other
Equipment.The present embodiment can increase between electronic cash management application module and background server privacy mechanism, it is ensured that
The safety of transmission.In the present embodiment, electronic cash management application module and memory module may select and be placed in secure and trusted system
In guarantee information security, include but not limited to customized rear open systems or support dual system termi-nal (Trusted
Execution Environment, credible execution environment) in TEE.
Embodiment six
The five electronic cash circle deposit system introduced in conjunction with the embodiments, the present embodiment deposits realization individual to by electronic cash circle
The overall flow transferred accounts is introduced.
When whole electronic cash circle deposit system runs initial, requestee can hold the electronic cash bank that 1. credit card issuer is issued
Card, or support the intelligent terminal (such as: mobile phone or panel computer etc.) of NFC function.Payee can hold support
The intelligent terminal of NFC function, the electronic cash that in intelligent terminal, 2. loading credit card issuer is issued is applied or containing application
SIM, SD card.The present embodiment is held as a example by electronic cash card is traded by requestee and is illustrated.
Fig. 7 is six deposited by electronic cash circle and realize the schematic flow sheet transferred accounts of individual according to embodiments of the present invention, as
Shown in Fig. 7, this flow process is described as follows:
Step S701, payee is withholdd to requestee's application by intelligent terminal's application.If requestee has electronic cash
Card, then NFC Reader pattern Card Reader based on intelligent terminal.If requestee has the intelligence supporting electronic cash application
Terminal, then can realize the communication between requestee and payee based on NFC PtoP pattern mutual, or, also can be extremely
Communication is realized less mutual by modes such as bluetooth, audio frequency, USB.
Step S702, after requestee agrees to withhold, generates transaction voucher, returns to payee this Transaction Information.
Step S703, payee receives transaction voucher, concludes the business successfully.The now success it is believed that off line is transferred accounts,
The amount of money simply received not yet encloses and deposits certification, can regard the state of being " frozen " as.Payee is optional connects native system
In background server, initiate based on transaction voucher circle deposit transaction request.
Step S704, background server shown in native system, receive based on transaction voucher circle deposit request after.Send
To credit card issuer 1. transaction credential verification asks.
Step S705,1. credit card issuer is verified transaction voucher, is returned and be proved to be successful information to background server.Credit card issuer
1. the backstage electronic cash account of the held electronic cash card of requestee can be updated after receiving transaction voucher.
Step S706, background server receive from credit card issuer 1. be proved to be successful information after, 2. send out to issuing card
Sending circle to deposit request, it is consistent with transaction voucher that the amount of money deposited by circle.
Step S707,2. credit card issuer receives after circle deposits request, returns circle and deposit script to background server.
Step S708, circle is deposited script and is forwarded to the intelligent terminal of payee by background server.Intelligent terminal is to terminal
Interior electronic cash application performs circle and deposits script, completes circle and deposits.Afterwards, electronic cash can be viewed on intelligent terminal
Remaining sum increases.
By the technical scheme of the present embodiment, payee can pass through electronic cash circle deposit system, utilizes paying of requestee
Money transaction voucher carries out electronic cash circle and deposits, and indirectly achieves transferring accounts between the electronic cash account of off line.
Understanding from above description, the invention provides new departure that a kind of electronic cash application circle is deposited, the present invention exists
Changing less to existing system during realizing the account transfer of electronic cash account off line, paying party need not change.Beneficiary
Add a kind of electronic cash circle and deposit request method, but card processes circle and deposits script execution without change.The present invention
Deposited to another electronic cash account circle by the transaction voucher utilizing an electronic cash account to withhold, it is achieved that electronics
The function that cash off line is transferred accounts.Solve under correlation technique center line conclude the business scene cannot realize individual-to-individual transfer accounts ask
Topic, it is achieved that electronic cash off line is transferred accounts function, it is achieved that the friendship of transferring accounts between electronic cash account in offline state
Easily.Thus user friendly off-line transaction, it is achieved individual-to-individual quickly transfers accounts.
In the description of this specification, reference term " embodiment ", " some embodiments ", " example ", " specifically show
Example " or the description of " some examples " etc. means to combine this embodiment or example describes specific features, structure, material
Or feature is contained at least one embodiment or the example of the present invention.In this manual, above-mentioned term is shown
The statement of meaning property is not necessarily referring to identical embodiment or example.And, the specific features of description, structure, material or
Person's feature can combine in any one or more embodiments or example in an appropriate manner.
Particular embodiments described above, has been carried out the purpose of the present invention, technical scheme and beneficial effect the most in detail
Describe in detail bright, be it should be understood that the specific embodiment that the foregoing is only the present invention, be not used to limit this
Bright protection domain, all within the spirit and principles in the present invention, any modification, equivalent substitution and improvement etc. done,
Should be included within the scope of the present invention.
Claims (12)
1. an electronic cash circle deposit method, it is characterised in that including:
Send, to payment equipment, the request of withholing, and receive the transaction voucher returned after described payment equipment is withholdd successfully；
Send circle based on described transaction voucher to background server and deposit request, and receive what described background server returned
Script deposited by circle；
Deposit script according to described circle the amount of money in described transaction voucher is carried out circle to deposit.
Method the most according to claim 1, it is characterised in that described payment equipment is electronic cash card, to
Described payment equipment sends the request of withholing and includes: read described electronic cash based on near-field communication NFC Reader pattern
Card, and send, to described electronic cash card, the request of withholing.
Method the most according to claim 1, it is characterised in that described payment equipment is for supporting that electronic cash should
Terminal unit, to described payment equipment send the request of withholing include: based on NFC PtoP pattern to described terminal
Equipment sends the request of withholing；Or, at least one in the following ways send, to described terminal unit, withholing request: indigo plant
Tooth, audio frequency, general-purpose serial bus USB.
Method the most according to claim 1, it is characterised in that according to described circle deposit script to described transaction with
The amount of money in card carries out circle and deposits, including: deposit script according to described circle, update and show the amount of money in electronic cash account.
5. scenario generation method deposited by an electronic cash circle, it is characterised in that including:
Request deposited by the circle based on transaction voucher receiving gathering mobile terminal transmission, and to corresponding the sending out of described payment equipment
Card row sends transaction credential verification request, and wherein, described transaction voucher is that described gathering mobile terminal is handed over payment equipment
The transaction voucher easily produced after success；
After being proved to be successful, the credit card issuer corresponding to described gathering mobile terminal sends corresponding with the amount of money of described transaction voucher
Circle deposit request；
Script deposited by the circle receiving credit card issuer return corresponding to described gathering mobile terminal, described circle is deposited script and sends to institute
State gathering mobile terminal, so that described gathering mobile terminal deposits script to the amount of money in described transaction voucher according to described circle
Carry out circle to deposit.
6. an electronic cash circle cryopreservation device, is applied to mobile terminal of collecting money, it is characterised in that including:
Withhold request module, for sending, to payment equipment, the request of withholing, and receive after described payment equipment withholds successfully
The transaction voucher returned；
Request module deposited by circle, deposits request for sending circle based on described transaction voucher to background server, and receives institute
Script deposited by the circle stating background server return；
Circle storing module, carries out circle to the amount of money in described transaction voucher deposit for depositing script according to described circle.
Device the most according to claim 6, it is characterised in that described payment equipment is electronic cash card, institute
State withhold request module specifically for based on near-field communication NFC Reader pattern read described electronic cash card, and to
Described electronic cash card sends the request of withholing.
Device the most according to claim 6, it is characterised in that described payment equipment is for supporting that electronic cash should
Terminal unit, described in withhold request module specifically for sending to described terminal unit based on NFC PtoP pattern
The request of withholing；Or, at least one in the following ways send, to described terminal unit, the request of withholing: bluetooth, audio frequency,
General-purpose serial bus USB.
Device the most according to claim 6, it is characterised in that described circle storing module, specifically for according to institute
State circle and deposit script, update and show the amount of money in the electronic cash account that described gathering mobile terminal is corresponding.
10. a script generation device deposited by electronic cash circle, is applied to background server, it is characterised in that including:
Request receiver module, request deposited by the circle based on transaction voucher sent for receiving gathering mobile terminal；Wherein,
Described transaction voucher is the transaction voucher produced after described gathering mobile terminal is concluded the business successfully with payment equipment；
Authentication module, sends transaction credential verification request for the credit card issuer corresponding to described payment equipment；
Script request module deposited by circle, for after described authentication module is proved to be successful, corresponding to described gathering mobile terminal
Credit card issuer send the circle corresponding with the amount of money of described transaction voucher deposit request；
Script sending module deposited by circle, and script deposited by the circle returned for receiving credit card issuer corresponding to described gathering mobile terminal,
Described circle is deposited script send to described gathering mobile terminal, so that described gathering mobile terminal deposits script according to described circle
The amount of money in described transaction voucher is carried out circle deposit.
11. 1 kinds of electronic cash circle deposit systems, it is characterised in that described electronic cash circle deposit system includes: gathering moves
Dynamic terminal, background server and payment equipment；
Described gathering mobile terminal includes:
Electronic cash management application module, connects described payment equipment, for sending, to described payment equipment, the request of withholing,
And receive the transaction voucher returned after described payment equipment is withholdd successfully；Send based on described friendship to described background server
Easily request deposited by the circle of voucher, and script deposited by the circle receiving the return of described background server；
Memory module, connects described electronic cash management application module, is used for storing described transaction voucher；
Card module, connects described electronic cash management application module, is used for receiving described electronic cash management application mould
The electronic cash application instruction of script deposited by the described circle that comprises of block transmission, deposits script to described transaction voucher according to described circle
In the amount of money carry out circle and deposit.
12. electronic cash circle deposit systems according to claim 11, it is characterised in that described card module bag
Include: client identification module SIM and/or safe digital SD card.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510670487.9A CN105931037B (en) | 2015-10-13 | 2015-10-13 | Electronic cash loading method, device and system |
| PCT/CN2016/101756 WO2017063543A1 (en) | 2015-10-13 | 2016-10-11 | Electronic cash loading method, apparatus, system and computer readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510670487.9A CN105931037B (en) | 2015-10-13 | 2015-10-13 | Electronic cash loading method, device and system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN105931037A true CN105931037A (en) | 2016-09-07 |
| CN105931037B CN105931037B (en) | 2020-05-26 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510670487.9A Active CN105931037B (en) | 2015-10-13 | 2015-10-13 | Electronic cash loading method, device and system |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN105931037B (en) |
| WO (1) | WO2017063543A1 (en) |
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| WO2017063543A1 (en) * | 2015-10-13 | 2017-04-20 | 中国银联股份有限公司 | Electronic cash loading method, apparatus, system and computer readable storage medium |
| CN109191122A (en) * | 2018-08-10 | 2019-01-11 | 中国银行股份有限公司 | A kind of method and device obtaining Transaction Information voucher |
| CN112241881A (en) * | 2019-07-17 | 2021-01-19 | 天地融科技股份有限公司 | Off-line transaction method and system based on electronic cash |
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| CN111598559B (en) * | 2019-02-20 | 2023-04-28 | 阿里巴巴集团控股有限公司 | Electronic transfer method, electronic equipment, server and system for implementing method |
| CN111833046B (en) * | 2020-07-28 | 2024-02-23 | 中国银行股份有限公司 | Digital electronic cash management method and device |
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Also Published As
| Publication number | Publication date |
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| WO2017063543A1 (en) | 2017-04-20 |
| CN105931037B (en) | 2020-05-26 |
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