CN106127478A - Prepaid card account carrier is used to carry out the method for mobile payment under line - Google Patents
Prepaid card account carrier is used to carry out the method for mobile payment under line Download PDFInfo
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- CN106127478A CN106127478A CN201610443170.6A CN201610443170A CN106127478A CN 106127478 A CN106127478 A CN 106127478A CN 201610443170 A CN201610443170 A CN 201610443170A CN 106127478 A CN106127478 A CN 106127478A
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- China
- Prior art keywords
- prepaid card
- payment
- carry out
- card account
- message
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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
- G06Q20/349—Rechargeable cards
-
- 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/202—Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
-
- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
- G07G1/00—Cash registers
- G07G1/12—Cash registers electronically operated
- G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
Abstract
The invention discloses and a kind of use prepaid card account carrier to carry out the method for mobile payment under line, when paying under line using prepaid card account carrier to carry out, whether prepaid card payment platform can be prejudged this prepaid card account balance and be sufficient for this time tying and pay, pay if it is not, Third-party payment platform then can be asked further to carry out knot；If Third-party payment account balance is not enough, then Third-party payment platform can provide consumptive loan to described Third-party payment account.The technical scheme provided by the present invention, pay even if prepaid card account balance is not enough to knot, Third-party payment platform can also be continued through and carry out knot pair, the knot being realized off-line transaction by multiple payment platforms is paid, i.e. fill i.e. use, improve the payment success rate of off-line transaction and user and to the use wish of prepaid card account carrier and use frequency.
Description
Technical field
The invention belongs to mobile payment field, be specifically related to a kind of use prepaid card account carrier and carry out mobile payment under line
Method.
Background technology
Prepaid card, refers to what prepaid card card sending mechanism was issued with specific support and form, can prepaid card card sending mechanism it
It is used for outward buying commodity or service.The use process of prepaid card is, consumer prestores certain amount of money in the prepaid card held,
In the case of supporting that the trade company that prepaid card pays does not makes to be traded in cash, only can in advance payment in fact by prepaid card
Execute one or many Shopping Behaviors.
Promote the use of prepaid card, for trade company, mainly have following benefit: 1, enhance safety.Consumer uses prepayment
Card, businessman does not handle cash, decreases the circulation of cash, both can avoid receiving counterfeit money and cause loss, and can reduce again robber and rob
Equivalent risk；2, profit increases.Use prepaid card to add the business revenue channel of trade company in the way of increasing means of payment, and consume
When person uses prepaid card to do shopping, the desire for consumer goods is relatively strong, and trade company can be made to realize sales growth；3, improve efficiency, reduce cost.
Using prepaid card, cash is collected, account revenue and expenditure reduces in a large number, both can improve efficiency, can reduce again the artificial and expense of equipment；4、
Traveller can be stablized.Consumer after the shop of certain system prestores cash and obtains prepaid card, will within a certain period of time with other
" breaking off a friendship " in the shop of system, becomes the stable client of this systems shop；5, use infrequently or the prepaid card abandoned can be for prepaying
Card issuing brings stable financing deposition.
For using the consumer of prepaid card, also there are many benefits, show: 1, user obtains the threshold ratio of prepaid card
The acquisition credit card, bank card are low；When 2, obtaining prepaid card, if using half system of real name certification, user can be removed from and go to business hall to open
The trouble of card, formality is relatively easy；3, prepaid card is usually small amount consumption, and prepaid balance is limited, just in case losing and stolen, and loss
Less, risk is controlled；4, prepaid card on band, can without or few band cash, reduce stolen risk, safety strengthens；5, prepaid card
It is easy to carry about with one, remaining sum can be shown after shopping, bagful change will not be come to, use more convenient；6, consumer is pre-in purchase of paying
When paying card, card sending mechanism gives certain to supplement discount (such as nine foldings) with money sometimes, enhances the desire for consumer goods of consumer, preferential
Property is more preferably.
Although prepaid card has above-mentioned various advantages, but still there are some drawbacks, such as, consumer uses prepaid card
During consumption, if Sorry, your ticket has not enough value to pay the current consumption amount of money for prepaid card account, it will block this prepaid card payment transaction, then
Use other means of payment.Due to consumer cannot in the case of prepaid card account balance deficiency in time/in real time to prepaid card
Supplement with money, thus can cause consumer that the enthusiasm using prepaid card consumption is weakened, be not easy to promote the use of prepaid card conduct
Preferably means of payment.
When paying under the most online, the online incision of Third-party payment platform enters main still with barcode scanning payment as primary hand
Section, this needs the support of merchant device, and user needs the payment code using Third-party payment software to pay simultaneously, and this just needs
Want user to use mobile terminal to pay, and the safety of mobile terminal is endured to the fullest extent always and denounced；It addition, along with online payment
Fast development, consumer finance financial service that Third-party payment platform is released (such as Alipay flower, Jingdone district informal voucher, Suning appoint
Property is paid) receive the favor of numerous consumer, but if user want to use these consumer finance loan product carry out paying be all
The APP of Third-party payment platform to be passed through pays, and does not the most support that other approach pay, and uses scene limited.
Summary of the invention
The technical problem to be solved in the present invention is to provide and a kind of uses prepaid card account carrier to carry out mobile payment under line
Method, when paying under line using prepaid card account carrier to carry out, prepaid card payment platform can prejudge this prepaid card account
Whether remaining sum is sufficient for this time tying is paid, and pays if it is not, Third-party payment platform then can be asked further to carry out knot；With this type of
Pushing away, the situation that Third-party payment account balance is not enough met by Third-party payment platform, then Third-party payment platform can prop up to third party
Family offer consumptive loan of paying a bill this time is tied and is paid.The technical scheme provided by the present invention, even if prepaid card account balance is not
Be enough to tie and pay, moreover it is possible to continue through Third-party payment platform and carry out knot pair, realize off-line transaction by multiple payment platforms
Knot is paid, and i.e. fills i.e. use, improve the payments success rate of off-line transaction and user to the use wish of prepaid card account carrier with
Use frequency.
For solving above-mentioned technical problem, the present invention adopts the following technical scheme that:
A kind of use prepaid card account carrier to carry out the method for mobile payment under line, comprise the following steps:
S10. payment message is transferred to POS terminal by prepaid card account carrier；
The payment message received is sent to prepaid card payment platform by S20.POS terminal through POS operator；Wherein,
S201. judged prepaid card account balance whether to be sufficient for this time by prepaid card payment platform to tie to pay,
If sufficient, then carry out payment and settlement and return knot pair message to POS terminal through POS operator；
If not enough, then prepaid card payment platform sends third party's knot and pays request to there being the Third-party payment receiving single qualification to put down
Platform；Further,
S202. Third-party payment platform receives third party's knot pair request and judges that the third party being tied to prepaid card account props up
Pay account balance whether to be sufficient for this time tying and pay,
If sufficient, then carry out payment and settlement and return knot pay message to POS eventually through prepaid card payment platform, POS operator
End；
If not enough, then Third-party payment platform is to the offer consumptive loan of described Third-party payment account, further,
S203. Third-party payment platform judges whether the residue loan limit of described Third-party payment account is sufficient for this
Secondary knot is paid,
If sufficient, then offer loans and carry out payment and settlement, and returning knot pay through prepaid card payment platform, POS operator
Message is to POS terminal；
If not enough, refusal this time transaction.
In a preferred embodiment, described prepaid card account carrier is the prepaid card of entity.
In a preferred embodiment, described prepaid card account carrier is prepaid card payment mechanism.
In a preferred embodiment, described prepaid card payment mechanism is wearable device.
In a preferred embodiment, paid by Unionpay's payment platform between prepaid card payment platform and POS operator
Message, knot pay the transmission of message.
In a preferred embodiment, described prepaid card payment mechanism includes control module, fiscard module and launches antenna, institute
State fiscard module and generate the payment message for paying emitted antenna by payment according to the prepaid card accounts information of storage
Message sends to POS terminal.
In a preferred embodiment, described prepaid card accounts information includes paying labelling.
In a preferred embodiment, described prepaid card accounts information includes prepaid card card number information and prepaid card effect duration letter
Breath.
In a preferred embodiment, described transmitting antenna includes that magnetic field impulse launches antenna.
In a preferred embodiment, described transmitting antenna includes NFC antenna.
The present invention is used to have a following beneficial effect:
1, use payment platform on multiple line to tie in real time to pay, even if prepaid card account balance is not enough, it is also possible to pass through
The knot of the off-line transaction that Third-party payment platform carries out prepaid card account carrier is paid, and compares more traditional prepaid card transactions and only adopts
Paying with prepaid card account balance, the embodiment of the present invention can be greatly improved knot and pay success rate.
2, traditional i.e. fill i.e. with throwing away making prepaid card be finished after (usually others fills in generation) after supplementing with money first, and
The technical scheme provided according to the embodiment of the present invention, it is not necessary to supplement prepaid card carrier with money the most in advance, only need to be by prepaid card carrier
Carry out binding with Third-party payment account, formed one by consumer commonly used as the credit card or bank card
Means of payment.
3, the embodiment of the present invention can use prepaid card payment mechanism with mNFC (magnetic Near Field
Communication, magnetic field impulse near-field communication) near field of/NFC (Near Field Communication, near-field communication) props up
The means of paying will pay message and send to POS terminal, and user can use prepaid card payment mechanism to carry out in the most all POS terminal
Pay, it is ensured that the online lower all standing paying scene.
4, the method for payment that the embodiment of the present invention provides can relate to prepaid card payment platform, Third-party payment platform simultaneously,
The payment platform of current main-stream is associated, it is achieved information flow between multiple payment platforms and each other reciprocal
Mutually beneficial.
5, supporting to use the consumer finance loan of Third-party payment platform, user is after payment completes, by " the amount of consumption
Degree " pre-paid can be realized pay under line realizing, and it is not limited solely to the mode that traditional barcode scanning pays, as long as being equipped with
The businessman having POS carries out consumption and consumer finance loan product can be used to pay the bill, convenient and swift, can carry further simultaneously
Rise the third-party platform credit of user, provide foundation for promoting consumer finance loan limit.
Accompanying drawing explanation
Fig. 1 is that the prepaid card account carrier that uses of the embodiment of the present invention carries out the flow chart of the method for mobile payment under line；
Fig. 2 is the prepaid card payment mechanism main modular schematic diagram of the embodiment 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
Describe, it is clear that described embodiment is a part of embodiment of the present invention rather than whole embodiments wholely.Based on this
Embodiment in bright, the every other enforcement that those of ordinary skill in the art are obtained under not making creative work premise
Example, broadly falls into the scope of protection of the invention.
See Fig. 1, embodiments provide and a kind of use prepaid card account carrier to carry out the side of mobile payment under line
Method, mainly comprises the steps that
S10. payment message is transferred to POS terminal 101 by prepaid card account carrier 100；
The payment message received is sent to prepaid card payment platform by S20.POS terminal 101 through POS operator 102
104；Wherein,
S201. judged whether prepaid card account balance is sufficient for this payment and settlement by prepaid card payment platform 104, if
Abundance, then carry out payment and settlement and return knot pair message to POS terminal 101 through POS operator 102；If not enough, then prepaid card props up
Pay platform 104 and send third party's knot pair request to there being the Third-party payment platform 105 receiving single qualification；Further,
S202. Third-party payment platform 105 receives third party's knot pair request and judges to be tied to the 3rd of prepaid card account
Whether side's payment account remaining sum is sufficient for this payment and settlement, if sufficient, then carry out payment and settlement and pays through prepaid card flat
Platform 104, POS operator 102 return knot and pay message to POS terminal 101；If not enough, then Third-party payment platform props up to third party
Pay a bill family provide consumptive loan；Further,
S203. Third-party payment platform judges whether the residue loan limit of Third-party payment account is sufficient for this time tying
Calculate, if sufficient, then carry out payment and settlement and through Third-party payment platform 105, prepaid card payment platform 104, POS operator 102
Return knot and pay message to POS terminal 101；If not enough, refusal this time transaction.
In the present invention, with reference to Fig. 1, in a kind of optional embodiment, prepaid card payment platform 104 and POS operator
Carrying out paying message, the transmission of knot pair message by Unionpay's payment platform 103 between 102, POS operator 102 is propped up by Unionpay
Pay platform 103 and payment message is sent to prepaid card payment platform 104, and, prepaid card payment platform 104 is paid by Unionpay
Knot is paid the information such as message or Fail Transaction and is back to POS terminal 101 through POS operator 102 by platform 103.The present invention is by connecing
Enter Unionpay's payment platform and realize inter-bank/institutional network clearance, prepaid card payment platform 104 can be realized and pay with other financial institutions
Interconnecting and resource-sharing between plateform system, it is ensured that prepaid card inter-bank, trans-regional and cross-border use.
In embodiments of the present invention, consumer is using prepaid card account carrier 100 to carry out in the POS terminal 101 of businessman
During payment, POS terminal 101 obtains after paying message will pay message through Unionpay's payment platform 103 turns by POS operator 102
Send to prepaid card payment platform 104.If the prepaid card account carrier that consumer now uses is the prepaid card of entity, then prepaid card
Payment platform directly can find corresponding prepaid card account according to the payment message received.If the prepayment that consumer now uses
Card account carrier is prepaid card payment mechanism, has two kinds of situations: 1. the payment message that prepaid card payment mechanism sends out is for comprising
During the direct informations such as prepaid card card number, prepaid card payment platform can directly find corresponding prepayment according to the payment message received
Card account；2. the message that pays that prepaid card payment mechanism sends out is the TSP (Token according to prepaid card payment platform
Service Provider, labelling service provider) algorithm of server settings, key and payment labelling (or prepaid card card number)
During the dynamically payment message generated, after prepaid card payment platform 104 receives payment message, first pass through card BIN (Bank
Identification Number, card sending mechanism identification code) identify a need for TSP parsing, then by TSP server solution
Analysis, checking POS operator 102 send the payment message of coming, to find out the prepaid card account corresponding with this payment message namely right
Pay message to carry out resolving and be mapped as PAN (Primary Account Number, primary account number information).
Further, after prepaid card pays flat 104 prepaid card accounts finding correspondence, it is judged that this prepaid card account
Whether remaining sum is sufficient for knot is paid, if sufficient, then directly carry out knot from prepaid card account and pays, and through Unionpay's payment platform 103,
POS operator 102 return knot pair message, to POS terminal 101, is exported bill information by POS terminal 101 and prints payment strip,
Thus the knot in real time realizing prepaid card payment platform 104 is paid；If it is not enough, then prepaid card payment platform 104 can be found out and be tied to
The Third-party payment account of this prepaid card account, and send third party's knot pair request to Third-party payment platform 105.
Third-party payment platform 105 sends after the third party's knot come pays request receiving prepaid card payment platform 104, first
First pay request to third party's knot to resolve, verify to find out corresponding Third-party payment account, and judge more than prepaid card account
Volume the most this time tie pay, if sufficient, then from this Third-party payment account carry out knot pay, and through prepaid card payment platform 104,
Unionpay's payment platform 103, POS operator 102 return knot pair message, to POS terminal 101, are exported bill letter by POS terminal 101
Breath；If it is not, Third-party payment platform 105 provides consumptive loan to this Third-party payment account, to pay.Wherein, exist
Implement before technical scheme provided by the present invention pays, user need by with prepaid card account and the 3rd of user oneself
Side's payment account is bound, and therefore Third-party payment platform 105 is receiving the 3rd of prepaid card payment platform 104 transmission
After reef knot pays request, can find out moment should the Third-party payment of prepaid card account after third party's knot request of paying is resolved
Account, and judge prepaid card account balance the most this time tie pay.
Third-party payment platform 105 provides before consumptive loan to this Third-party payment account, is first put down by Third-party payment
Whether platform 105 judges the residue loan limit of this Third-party payment account to be sufficient for this time to tie to pay, if sufficient, then from the 3rd
Side's payment account deducts corresponding loan limit, and successively through prepaid card payment platform 104, Unionpay's payment platform 103, POS fortune
Battalion business 102 return knot pair message, to POS terminal 101, is exported bill information by POS terminal 101；If it is not enough, then third party props up
Pay platform 105 and directly refuse this transaction request, and sequentially pass through prepaid card payment platform 104, Unionpay's payment platform 103, POS
Operator 102 returns Fail Transaction information or the information such as Sorry, your ticket has not enough value to POS terminal 101, POS terminal 101 export payment and lose
Lose information.
Wherein, the present invention only allows the Third-party payment platform 105 with Third-party payment licence plate to participate in paying, and protects
Card safety of payment.There is the Third-party payment platform 105 of Third-party payment licence plate user is carried out after reference and risk assessment batch
The consumer finance loan limit at mutatis mutandis family, audits user profile by big data and checks and approves the available amount of user, being similar to
Alipay flower and the product such as Jingdone district informal voucher, directly user is made loans with the form of loan so that transaction can be successful, Yong Hu
Transaction reach after prescribed time-limit in carry out refund can instant recovery amount.If user refunds within the time limit the most in time, the 3rd
Side's payment platform can be collected interest and carry out additional income.
In the present invention in optional embodiment, if through prepaid card payment platform 104 or Third-party payment platform 105 to
Pay request or knot pay a request carry out verifying unsanctioned in the case of, Third-party payment platform 105 can directly generate Fail Transaction or
The information such as refusal transaction are also back to POS terminal 101 by prepaid card payment platform 104.
Prepaid card card sending mechanism (belonging under same mechanism with prepaid card payment platform), before providing prepaid card, can shift to an earlier date
By prepaid card accounts information (such as including card number information and effect duration information) typing prepaid card payment platform 104.Additionally, in reality
Before executing above-mentioned payment process, user need to prepaid card account and Third-party payment account (such as hundred pairs treasured, wealth pay logical,
The telecommunications wing pay, UNICOM irrigate the Third-party payment accounts such as payment) between bind, with by prepaid card account and Third-party payment
Associate between account.Optionally, a Third-party payment account can be tied to multiple prepaid card account simultaneously；Or one
Individual prepaid card account is tied to multiple Third-party payment account, and arranges and use priority accordingly；Or, by that analogy.For
Simplify and log in and proving program, it is preferred that Third-party payment account and prepaid card account can arrange identical password, simultaneously
Facilitate memory of consumers.
In the present invention one optional embodiment, above-mentioned prepaid card account carrier 100 is the prepaid card of entity, namely in advance
Paying card can be the entity prepaid card card with magnetic stripe and/or chip, by swiping the card in POS terminal/and plug-in card receives pre-
Pay the card account carrier 100 payment message that transmission comes.Now, pay two magnetic tracks that message is static and pay message, or IC props up
Pay message.
In another optional embodiment of the present invention, above-mentioned prepaid card account carrier 100 is for including multiple electronic component
Prepaid card payment mechanism.This prepaid card payment mechanism can receive the control signal of outside mobile terminal and generate and send
Pay message to POS terminal 101, it is also possible to do not directly generated and send payment message by himself by external device to POS eventually
End 101.With reference to shown in Fig. 2 (exemplary conceptual diagram), this prepaid card payment mechanism includes fiscard module 10, control module 11 and
Launching antenna, fiscard module 10 generates the payment message for paying emitted sky according to the prepaid card accounts information of storage
Line will pay message and send to POS terminal 101.Consumer use prepaid card payment mechanism be simulated " swiping the card " consumption time,
Fiscard module 10 can generate the payment message for paying and by launching antenna according to its prepaid card accounts information stored
Message will be paid send to POS terminal 101.
Further, above-mentioned transmitting antenna can be that magnetic field impulse launches antenna 12.Magnetic field impulse launches antenna 12 with mNFC
Communication form will pay message (form of magnetic field impulse signal) send to POS terminal 101.Concrete, fiscard module 10 is raw
Become after paying message, first can send the control module 11 to prepaid card payment mechanism by paying message, will by control module 11
Paying message and be sent to magnetic field impulse transmitting antenna 12, magnetic field impulse is launched antenna 12 and is sent out paying message with the form of magnetic field impulse signal
Deliver to the induction magnetic head of POS terminal 101.In another optional embodiment, above-mentioned transmitting antenna can be NFC antenna 13,
NFC antenna 13 will pay message transmission to POS terminal 101 in the non-mode that connects of NFC.Concrete, fiscard module 10 generates and pays
After message, directly can support that the POS terminal 101 that NFC dodges pair function sends by NFC antenna 13 to outside and pay message.
When selection magnetic field impulse transmitting antenna is as the transmitting antenna of prepaid card payment mechanism, magnetic field impulse is launched antenna and can be sent out
Penetrate the payment message of magnetic field impulse signal form to POS terminal 101, propping up of the POS terminal 101 magnetic field impulse signal form to receiving
Paying and send after message is decoded to POS operator 102 (or claiming to receive single platform), POS operator 102 performs paying message
Being forwarded to Unionpay's payment platform 103 after checking, Unionpay's payment platform 103 continues to be sent to prepayment to paying after message is verified
Card payment platform 104, and judged prepaid card account balance whether to be sufficient for this time by prepaid card payment platform 104 to tie to pay, if
It is then to carry out knot and pay and return knot pair message to POS terminal 101 through POS operator 102；If it is not, proceed follow-up step
Rapid S202 and S203 (if being necessary), until transaction success or Fail Transaction.
In an optional embodiment, fiscard module 10 has safety element (i.e. SE chip), storage in safety element
Having prepaid card accounts information, control module 11 sends to fiscard module 10 and comprises the payment request paying message generation instruction,
Fiscard module 10 receives the request of payment and generates the payment message for paying according to prepaid card accounts information.
In an optional embodiment, above-mentioned prepaid card accounts information includes that prepaid card card number information and prepaid card are effective
Phase information.
In another kind of embodiment, prepaid card accounts information includes paying labelling (or prepaid card card number) and key.Fiscard
Module 10 is according to paying labelling and key generation payment message.Paying message is the TSP server according to prepaid card payment platform
What algorithm, key and the payment labelling (or prepaid card card number) set generated dynamically pays message.Wherein, fiscard module is deposited
The payment labelling of storage can be generated by Unionpay's payment platform 103 or prepaid card payment platform 104.
In order to easy to use and strengthen its safety, financial card paying device is wearable device.Certainly, this area skill
Art personnel are it is understood that financial card paying device may be alternatively provided as other example, in hardware or is arranged to biological built-in chip
Form.
Should be appreciated that exemplary embodiment as herein described is illustrative and be not restrictive.Although retouching in conjunction with accompanying drawing
State one or more embodiments of the invention, it should be understood by one skilled in the art that without departing from appended right
In the case of requiring the spirit and scope of the present invention limited, the change of various forms and details can be made.
Claims (10)
1. one kind uses prepaid card account carrier to carry out the method for mobile payment under line, it is characterised in that comprise the following steps:
S10. payment message is transferred to POS terminal by prepaid card account carrier；
The payment message received is sent to prepaid card payment platform by S20.POS terminal through POS operator；Wherein,
S201. judged prepaid card account balance whether to be sufficient for this time by prepaid card payment platform to tie to pay,
If sufficient, then carry out payment and settlement and return knot pair message to POS terminal through POS operator；
If not enough, then prepaid card payment platform sends third party's knot and pays request to there being the Third-party payment platform receiving single qualification；Enter
One step,
S202. Third-party payment platform receives third party's knot and pays the Third-party payment account asking and judging to be tied to prepaid card account
Whether family remaining sum is sufficient for this time tying is paid,
If sufficient, then carry out payment and settlement and return knot pay message to POS terminal through prepaid card payment platform, POS operator；
If not enough, then Third-party payment platform is to the offer consumptive loan of described Third-party payment account, further,
S203. Third-party payment platform judges whether the residue loan limit of described Third-party payment account is sufficient for this time tying
Pay,
If sufficient, then offer loans and carry out payment and settlement, and returning knot pay message through prepaid card payment platform, POS operator
To POS terminal；
If not enough, refusal this time transaction.
2. carry out the method for mobile payment under line according to the prepaid card account carrier that uses described in claim 1, it is characterised in that
Described prepaid card account carrier is the prepaid card of entity.
3. carry out the method for mobile payment under line according to the prepaid card account carrier that uses described in claim 1, it is characterised in that
Described prepaid card account carrier is prepaid card payment mechanism.
4. carry out the method for mobile payment under line according to the prepaid card account carrier that uses described in claim 3, it is characterised in that
Described prepaid card payment mechanism is wearable device.
5. carrying out the method for mobile payment under line according to the arbitrary described prepaid card account carrier that uses of Claims 1-4, it is special
Levy and be, carry out paying message, the biography of knot pair message by Unionpay's payment platform between prepaid card payment platform and POS operator
Pass.
6. carrying out the method for mobile payment under line according to the prepaid card account carrier that uses described in claim 3 or 4, its feature exists
In, described prepaid card payment mechanism includes control module, fiscard module and launches antenna, and described fiscard module is according to storage
Prepaid card accounts information generate for pay payment message and emitted antenna will pay message send to POS terminal.
7. carry out the method for mobile payment under line according to the prepaid card account carrier that uses described in claim 6, it is characterised in that
Described prepaid card accounts information includes paying labelling.
8. carry out the method for mobile payment under line according to the prepaid card account carrier that uses described in claim 6, it is characterised in that
Described prepaid card accounts information includes prepaid card card number information and prepaid card effect duration information.
9. carry out the method for mobile payment under line according to the prepaid card account carrier that uses described in claim 6, it is characterised in that
Described transmitting antenna includes that magnetic field impulse launches antenna.
10. carrying out the method for mobile payment under line according to the prepaid card account carrier that uses described in claim 6, its feature exists
In, described transmitting antenna includes NFC antenna.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107195002A (en) * | 2017-04-01 | 2017-09-22 | 深圳市微付充科技有限公司 | Implementation method, server, mobile device and monitoring device that traffic is paid |
| CN109493032A (en) * | 2018-12-12 | 2019-03-19 | 四川商通实业有限公司 | The method and its system of tripartite's combined payment are realized based on prepaid card |
| CN109583866A (en) * | 2018-10-29 | 2019-04-05 | 平安科技（深圳）有限公司 | Method, apparatus, computer equipment and the storage medium of cross-region payment |
| CN110728502A (en) * | 2019-09-27 | 2020-01-24 | 益萃网络科技（中国）有限公司 | Method and device for processing data in document, computer equipment and storage medium |
| CN111242603A (en) * | 2020-01-03 | 2020-06-05 | 腾讯科技（深圳）有限公司 | Riding settlement method and device based on block chain |
| CN112862473A (en) * | 2019-11-27 | 2021-05-28 | Kddi株式会社 | Settlement processing method and settlement processing device |
| WO2022121429A1 (en) * | 2020-12-08 | 2022-06-16 | 中国银联股份有限公司 | Card management method, user terminal, server, card management system, and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107195002A (en) * | 2017-04-01 | 2017-09-22 | 深圳市微付充科技有限公司 | Implementation method, server, mobile device and monitoring device that traffic is paid |
| CN109583866A (en) * | 2018-10-29 | 2019-04-05 | 平安科技（深圳）有限公司 | Method, apparatus, computer equipment and the storage medium of cross-region payment |
| CN109493032A (en) * | 2018-12-12 | 2019-03-19 | 四川商通实业有限公司 | The method and its system of tripartite's combined payment are realized based on prepaid card |
| CN110728502A (en) * | 2019-09-27 | 2020-01-24 | 益萃网络科技（中国）有限公司 | Method and device for processing data in document, computer equipment and storage medium |
| CN112862473A (en) * | 2019-11-27 | 2021-05-28 | Kddi株式会社 | Settlement processing method and settlement processing device |
| CN111242603A (en) * | 2020-01-03 | 2020-06-05 | 腾讯科技（深圳）有限公司 | Riding settlement method and device based on block chain |
| WO2022121429A1 (en) * | 2020-12-08 | 2022-06-16 | 中国银联股份有限公司 | Card management method, user terminal, server, card management system, and storage medium |
| TWI797843B (en) * | 2020-12-08 | 2023-04-01 | 大陸商中國銀聯股份有限公司 | Card management method, user terminal, server, system and storage medium |
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