CN106327189A - IC card topping-up system - Google Patents
IC card topping-up system Download PDFInfo
- Publication number
- CN106327189A CN106327189A CN201610835252.5A CN201610835252A CN106327189A CN 106327189 A CN106327189 A CN 106327189A CN 201610835252 A CN201610835252 A CN 201610835252A CN 106327189 A CN106327189 A CN 106327189A
- Authority
- CN
- China
- Prior art keywords
- card
- intelligent terminal
- data
- read write
- write line
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- 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
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
Abstract
The invention provides an IC card topping-up system comprising an IC card reader-writer, an intelligent terminal, a payment platform, and a data center. The intelligent terminal is in communication connection with the IC card reader-writer, the payment platform and the data center, and the payment platform is in communication connection with the data center. According to the invention, a payment process of top-up data is completed between the intelligent terminal and the payment platform, a confirmation process of top-up data is completed between the payment platform and the data center, and an issuing process of top-up data is completed between the data center and the intelligent terminal. After the intelligent terminal receives top-up data sent by the data center, the intelligent terminal sends the top-up data to the IC card reader-writer, and the IC card reader-writer writes the top-up data into an IC card. When a user inserts the IC card into an IC card prepaid meter, the IC card prepaid meter is topped up. Remote top-up of an IC card is realized.
Description
Technical field
The present invention relates to IC-card recharging and paying technical field, more particularly, it relates to a kind of IC-card charging system.
Background technology
In current instrument industry, employing IC (integrated circuit card) card pre-payment instrument in a large number, it is all made with IC-card
For data transmission media.The advantages such as IC-card is easy to carry due to it, and amount of storage is big are widely used in storing automobile expense, phone
Take, subway riding fee, dining room table money, highway are paid and the every field such as shopping tour, auto service.
Mode is supplemented with money for IC-card pre-payment instrument, uses at present and carried IC-card by user and go to business hall or pay
Expense point carries out payment to IC-card and supplements with money, and then the IC-card supplemented with money is inserted in IC-card pre-payment instrument by user, it is achieved to IC
Supplementing with money of card pre-payment instrument.
Clearly for the most traditional IC-card pre-payment instrument supplement mode with money for, the data of IC-card pre-payment instrument
Interaction is all completed as storage medium by IC-card, supplementing with money of IC-card, need user travel to and fro between business hall or
Person could realize between paying the fees a little, wastes time and energy.
Therefore prior art be badly in need of one quickly, succinctly, IC-card recharge method easily.
Summary of the invention
In view of this, the present invention provides a kind of IC-card charging system, to realize quickly, succinctly, easily to IC-card to carry out
Supplement with money.Technical scheme is as follows:
The present invention provides a kind of IC-card charging system, including: in IC-card read write line, intelligent terminal, payment platform and data
The heart；Wherein, described intelligent terminal is connected with described IC-card read write line, described payment platform and data center to center communications simultaneously, described
Payment platform communicates to connect with described data center；
Charging request is sent to described payment platform by described intelligent terminal, and described charging request includes load value data；When
After described payment platform completes the payment process of described load value data according to described charging request, described payment platform is to described number
Sending according to center and supplement confirmation message with money, wherein said confirmation message of supplementing with money includes described load value data；
Described data center receive described in supplement confirmation message with money after, described load value data is sent to the most described intelligence eventually
End；
Described load value data is sent to described IC-card read write line by described intelligent terminal, so that described IC-card read write line will
In described load value data write IC-card.
Preferably, charging request was sent before described payment platform by described intelligent terminal, and described intelligent terminal passes through
Described IC-card read write line reads out the base identity information on user's IC-card, and described base identity information is sent to described number
According to center；
Described data center is using described intelligent terminal as transfer bridge, by described IC-card read write line to described user IC
Card read-write, and according to described base identity Information Authentication subscriber identity information；
When described data center checking user identity is legal, described intelligent terminal demonstrates user profile, and described number
Apply for generating, according to user, order of supplementing with money accordingly or pay the fees according to center, and by supplementing with money of generating or order of paying the fees is sent to described
Intelligent terminal.
Preferably, also include:
The operation corporate server communicated to connect with described data center；
Described operation corporate server for obtaining the charging information of user from described data center.
Preferably, described IC-card read write line includes: Bluetooth Low Energy BLE many cards IC-compatible card reader or Wireless Fidelity
Wifi many cards IC-compatible card reader.
Preferably, when described IC-card read write line is BLE many cards IC-compatible card reader, described IC-card read write line passes through
BLE communication pattern communicates to connect with described intelligent terminal；
When described IC-card read write line is wifi many cards IC-compatible card reader, described IC-card read write line is communicated by wifi
Pattern communicates to connect with described intelligent terminal.
Preferably, described IC-card read write line supports memorizer IC-card, logic security IC card or CPU card.
Preferably, described payment platform includes: bank paying platform or Third-party payment platform.
Preferably, described intelligent terminal includes: with the smart mobile phone of BLE communication pattern, Intelligent flat computer, individual number
Word assistant PDA；Or with the smart mobile phone of wifi communication pattern, Intelligent flat computer, PDA.
Preferably, data exchange process includes: the first data interaction between described IC-card read write line and described intelligent terminal
The second data exchange process between process, and described intelligent terminal and described data center；In described data exchange process, right
Encryption and decryption in data processes and is completed by described IC-card read write line and described data center, and described intelligent terminal is only used as number
According to transfer bridge.
Preferably, described IC-card read write line is internally provided with battery.
In the IC-card charging system that the present invention provides, with IC-card read write line, payment platform and data while of intelligent terminal
Center to center communications connects, and payment platform communicates to connect with data center.When the present invention needs to supplement IC-card with money, intelligent terminal
After communication connection between foundation and IC-card read write line, payment platform and data center, complete between intelligent terminal and payment platform
Become the payment process of load value data, between payment platform and data center, complete the confirmation process of load value data, and counting
Process is issued according to complete load value data between center and intelligent terminal.When supplementing with money that intelligent terminal for reception to data center sends
After data, this load value data is sent to IC-card read write line, and then IC-card read write line is by described load value data write IC-card.When
This IC-card is inserted in IC-card pre-payment instrument by user, just achieves and supplements IC-card pre-payment instrument with money.The present invention utilizes net
Network communication technology, network payment technology achieve the remote recharge to IC-card, quick, succinct, convenient, it is not necessary to user carries IC-card
Go business hall or payment point IC-card to be carried out payment and supplements with money, be very easy to user's life.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
In having technology to describe, the required accompanying drawing used is briefly described, it should be apparent that, the accompanying drawing in describing below is only this
Inventive embodiment, for those of ordinary skill in the art, on the premise of not paying creative work, it is also possible to according to
The accompanying drawing provided obtains other accompanying drawing.
The structural representation of a kind of IC-card charging system that Fig. 1 provides for the present invention；
The structural representation of the another kind of IC-card charging system that Fig. 2 provides for 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 only a part of embodiment of the present invention rather than whole embodiments wholely.Based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under not making creative work premise
Embodiment, broadly falls into the scope of protection of the invention.
For the most traditional IC-card pre-payment instrument, the most all it is by mean of IC-card and realizes supplementing with money, the most any
Remote radio communication pattern.Along with the arrival of 4G communication era and popularizing of intelligent terminal, in life payment, network props up
The mode of paying makes the life of people the most succinctly facilitate.But, due to IC-card pre-payment instrument particularity and update relatively
Slowly, substantial amounts of user still uses traditional IC-card pre-payment instrument, and can only go business hall or payment by carrying IC-card
Point carries out payment to IC-card and supplements with money, then inserts in IC-card pre-payment instrument by the IC-card supplemented with money, it is achieved prepay IC-card
Supplementing with money of expense instrument.The most this mode of supplementing with money wastes time and energy, and it is the most inconvenient to bring to the life of user.
The present invention is directed to the IC-card pre-payment instrument conventional without any remote radio communication pattern, need not user
Change IC-card pre-payment instrument, it is not required that user carries IC-card and goes business hall or payment point IC-card to be carried out payment and supplements with money,
The remote recharge to IC-card pre-payment instrument can be realized.The IC-card charging system that the present invention provides is particularly suited for gas meter
Supplement with money, city one-card is supplemented with money.
Concrete, as it is shown in figure 1, it illustrates the structural representation of a kind of IC-card charging system that the present invention provides, bag
Include: IC-card read write line 100, intelligent terminal 200, payment platform 300 and data center 400.Wherein, intelligent terminal 200 simultaneously with
IC-card read write line 100, payment platform 300 and data center 400 communicate to connect, and payment platform 300 also communicates with data center 400
Connect.
The most in the present invention, IC-card read write line 100, for writing in IC-card by load value data, may include that BLE
(Bluetooth Low Energy, Bluetooth Low Energy) many cards IC-compatible card reader or wifi (Wireless-Fidelity,
Wireless Fidelity) many cards IC-compatible card reader.When IC-card read write line 100 is BLE many cards IC-compatible card reader, described IC-card
Read write line 100 is communicated to connect with intelligent terminal 200 by BLE communication pattern；When IC-card read write line 100 is wifi many cards IC-compatible
During card reader, described IC-card read write line 100 is communicated to connect with intelligent terminal 200 by wifi communication pattern.
IC-card read write line 100 in the present invention supports memorizer IC-card, logic security IC card or CPU (Central
Processing Unit, central processing unit) card.Particularly, the IC-card read write line 100 in the present invention is portable equipment, inside it
Setting is provided with battery 101, with thinking self work power supply.In actual application of the present invention, in order to reduce IC-card read-write
The power consumption of battery 101 in device 100, IC-card read write line 100 under normal circumstances and no power, but when user's plug-in card, utilizes
The switch contact of IC-card seat realizes energising work.
Intelligent terminal 200 communicates to connect with IC-card read write line 100, and intelligent terminal 200 and payment platform 300 sum simultaneously
Communicate to connect according to center 400.In the present invention, intelligent terminal 200 can be that the smart mobile phone with BLE communication pattern, intelligence are flat
Plate computer, PDA (Personal Digital Assistant, personal digital assistant) etc.；Or the intelligence with wifi communication pattern
Can mobile phone, Intelligent flat computer, PDA etc..
Payment platform 300 includes: bank paying platform or Third-party payment platform.Wherein Third-party payment platform includes propping up
Fu Bao, wechat etc. are capable of the platform of payment function.
Data center 400 is capable of charging function.Certainly, the data center 400 in the present invention can also record respectively
Each user supplements number of times with money, supplements the charging information such as time, recharge amount with money.
In the present invention, intelligent terminal 200 is by Internet or mobile data network and payment platform 300 communication link
Connect, and intelligent terminal 200 is communicated to connect with data center 400 by Internet or mobile data network.Meanwhile, payment is flat
Communication connection is realized also by Internet between platform 300 and data center 400.When the present invention needs to supplement IC-card with money
Time, intelligent terminal 200 initially sets up and communication connection between IC-card read write line 100, payment platform 300 and data center 400.When
After intelligent terminal 200 is connected with IC-card read write line 100, intelligent terminal 200 acquiescence is intended to the IC including described IC-card read write line 100
Card is supplemented with money.
It is specific as follows that what the present invention realized supplements process with money:
Step 101, intelligent terminal 200, by IC-card read write line 100, reads the base identity information on user's IC-card, and
Described base identity information is sent to data center 400.
Step 102, data center 400 is using intelligent terminal 200 as transfer bridge, by IC-card read write line 100 to user
IC-card is read and write, and according to base identity Information Authentication subscriber identity information.
Step 103, when data center 400 verifies that user identity is legal, intelligent terminal 200 can be shown that user believes
Breath.Now the operable intelligent terminal of user 200 supplements with money to data center 400 application or pays the fees.
Step 104, data center 400 applies for generating, according to user, order of supplementing with money accordingly or pay the fees, and by filling of generating
Value or payment order are sent to intelligent terminal 200.
Step 105, user selects the means of payment on intelligent terminal 200, and completes online by payment platform 300
Pay, and successful for payment result is sent to data center 400.
Step 106, after data center 400 receives the successful result of payment, using intelligent terminal 200 as transfer bridge,
By IC-card read write line 100, user's IC-card is read and write, by corresponding load value data write user's IC-card.
In the present invention, data exchange process includes: the first data between IC-card read write line 100 and intelligent terminal 200 are handed over
The second data exchange process between process, and intelligent terminal 200 and data center 400 mutually.In data exchange process of the present invention
In relate to transmission data encryption and decryption process, for data encryption and decryption process be then by IC-card read write line 100 and data
The heart 400 completes, and intelligent terminal 200 is only used as data relay bridge.In the present invention, data center 400 leads to intelligent terminal 200
Crossing cell phone network and public internet realizes connecting, interaction data therebetween uses common public encryption algorithm and public keys to enter
Row data encryption.Realize being connected by bluetooth or WiFi between intelligent terminal 200 with IC-card read write line 100, mutual number therebetween
Data encryption is carried out according to using common public encryption algorithm and public keys.Data center 400 is using intelligent terminal 200 as transfer
Bridge, by between IC-card read write line 100 and IC-card, the data of exchange possess special AES and private cipher key carries out data
Encryption.Further, the IC-card for different application and different factory possesses different AESs and private cipher key, concrete real
In Xian, it is to be installed on data center with different service routines, to provide data encryption services, to guarantee the peace of algorithm and key
Quan Xing.
Concrete: first the present invention reads the data in IC-card at IC-card read write line 100, and right by IC-card read write line 100
Data are encrypted, and send the data after encryption to data center 400 by connecting intelligent terminal 200, and data center 400 exists
Being decrypted after receiving data and then obtain user profile, the data that data center 400 will issue re-start encryption, and
By network and intelligent terminal 200 by data distributing to IC-card read write line 100, IC-card read write line 100 data are decrypted
The most again data are write in IC-card.
In the present invention, between intelligent terminal 200 and payment platform 300, complete the payment process of load value data, propping up
Pay the confirmation process completing load value data between platform 300 and data center 400, and data center 400 and intelligent terminal
Complete load value data between 200 issues process.After intelligent terminal 200 receives the load value data that data center 400 sends,
This load value data is sent to IC-card read write line 100, and then IC-card read write line 100 is by described load value data write IC-card.When
This IC-card is inserted in IC-card pre-payment instrument by user, just achieves and supplements IC-card pre-payment instrument with money.The present invention utilizes net
Network communication technology, network payment technology achieve the remote recharge to IC-card, quick, succinct, convenient, it is not necessary to user carries IC-card
Go business hall or payment point IC-card to be carried out payment and supplements with money, be very easy to user's life.
On the basis of above-described embodiment, present invention additionally comprises: with the operation company service of data center 400 communication connection
Device 500, as in figure 2 it is shown, it illustrates the structural representation of the another kind of IC-card charging system that the present invention provides.
In the present embodiment, operation corporate server 500 realizes communication connection by Internet with data center 400,
For obtaining the charging information of user from data center 400.Wherein, the charging information of user may include that supplementing with money of user is secondary
Count, supplement time, recharge amount etc. with money.Operation corporate server 500 is by setting up communication connection with data center 400, permissible
Obtain the charging information learning user in real time, in order to the timely control to user's charging information.
Above a kind of IC-card charging system provided by the present invention is described in detail, used herein the most individual
Principle and the embodiment of the present invention are set forth by example, and the explanation of above example is only intended to help to understand the present invention's
Method and core concept thereof；Simultaneously for one of ordinary skill in the art, according to the thought of the present invention, in specific embodiment party
All will change in formula and range of application, in sum, this specification content should not be construed as limitation of the present invention.
Claims (10)
1. an IC-card charging system, it is characterised in that including: in IC-card read write line, intelligent terminal, payment platform and data
The heart；Wherein, described intelligent terminal is connected with described IC-card read write line, described payment platform and data center to center communications simultaneously, described
Payment platform communicates to connect with described data center；
Charging request is sent to described payment platform by described intelligent terminal, and described charging request includes load value data；When described
After payment platform completes the payment process of described load value data according to described charging request, described payment platform is in described data
The heart sends supplements confirmation message with money, and wherein said confirmation message of supplementing with money includes described load value data；
Described data center receive described in supplement confirmation message with money after, described load value data is sent to described intelligent terminal；
Described load value data is sent to described IC-card read write line by described intelligent terminal, so that described IC-card read write line is by described
In load value data write IC-card.
IC-card charging system the most according to claim 1, it is characterised in that charging request is sent extremely by described intelligent terminal
Before described payment platform, described intelligent terminal reads out the base identity on user's IC-card by described IC-card read write line and believes
Breath, and described base identity information is sent to described data center；
Described user's IC-card, using described intelligent terminal as transfer bridge, is read by described data center by described IC-card read write line
Write, and according to described base identity Information Authentication subscriber identity information；
When described data center checking user identity is legal, described intelligent terminal demonstrates in user profile, and described data
The heart applies for generating, according to user, order of supplementing with money accordingly or pay the fees, and by supplementing with money of generating or order of paying the fees is sent to described intelligence
Terminal.
IC-card charging system the most according to claim 1 and 2, it is characterised in that also include:
The operation corporate server communicated to connect with described data center；
Described operation corporate server for obtaining the charging information of user from described data center.
IC-card charging system the most according to claim 1 and 2, it is characterised in that described IC-card read write line includes: bluetooth is low
Power consumption BLE many cards IC-compatible card reader or Wireless Fidelity wifi many cards IC-compatible card reader.
IC-card charging system the most according to claim 4, it is characterised in that
When described IC-card read write line is BLE many cards IC-compatible card reader, described IC-card read write line by BLE communication pattern with
Described intelligent terminal communicates to connect；
When described IC-card read write line is wifi many cards IC-compatible card reader, described IC-card read write line passes through wifi communication pattern
Communicate to connect with described intelligent terminal.
IC-card charging system the most according to claim 1, it is characterised in that described IC-card read write line supports memory IC
Card, logic security IC card or central processor CPU card.
IC-card charging system the most according to claim 1, it is characterised in that described payment platform includes: bank paying is put down
Platform or Third-party payment platform.
IC-card charging system the most according to claim 1, it is characterised in that described intelligent terminal includes: communicate with BLE
The smart mobile phone of pattern, Intelligent flat computer, personal digital assistant PDA；Or with the smart mobile phone of wifi communication pattern, intelligence
Panel computer, PDA.
IC-card charging system the most according to claim 1, it is characterised in that data exchange process includes: described IC-card is read
Write the first data exchange process between device and described intelligent terminal, and the second number between described intelligent terminal and described data center
According to interaction；In described data exchange process, processing for the encryption and decryption of data is by described IC-card read write line and described
Data center completes, and described intelligent terminal is only used as the transfer bridge that data forward.
IC-card charging system the most according to claim 1, it is characterised in that described IC-card read write line is internally provided with electricity
Pond.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610835252.5A CN106327189A (en) | 2016-09-20 | 2016-09-20 | IC card topping-up system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610835252.5A CN106327189A (en) | 2016-09-20 | 2016-09-20 | IC card topping-up system |
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| CN106327189A true CN106327189A (en) | 2017-01-11 |
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| CN201610835252.5A Pending CN106327189A (en) | 2016-09-20 | 2016-09-20 | IC card topping-up system |
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| CN108305068A (en) * | 2018-01-17 | 2018-07-20 | 深圳喆行科技有限公司 | A kind of recharge method and system of stored value card |
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| CN109146043A (en) * | 2018-09-06 | 2019-01-04 | 武汉市公用电子工程有限责任公司 | A kind of bluetooth communication equipment and the means of communication for simulating IC card |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108305068A (en) * | 2018-01-17 | 2018-07-20 | 深圳喆行科技有限公司 | A kind of recharge method and system of stored value card |
| CN108322902A (en) * | 2018-01-17 | 2018-07-24 | 深圳喆行科技有限公司 | A kind of data transmission method and data transmission system |
| CN108320152A (en) * | 2018-01-17 | 2018-07-24 | 深圳喆行科技有限公司 | A kind of recharge method and system of stored value card |
| CN108537991A (en) * | 2018-05-11 | 2018-09-14 | 河南云软信息技术有限公司 | A kind of non-contact IC card charging system and its recharge method |
| CN109146043A (en) * | 2018-09-06 | 2019-01-04 | 武汉市公用电子工程有限责任公司 | A kind of bluetooth communication equipment and the means of communication for simulating IC card |
| CN109544822A (en) * | 2018-11-29 | 2019-03-29 | 四川商通实业有限公司 | A kind of IC card electronic cash self-recharging method and its system |
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