CN106408283A - Mobile settlement system and method - Google Patents

Mobile settlement system and method Download PDF

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Publication number
CN106408283A
CN106408283A CN201610880753.5A CN201610880753A CN106408283A CN 106408283 A CN106408283 A CN 106408283A CN 201610880753 A CN201610880753 A CN 201610880753A CN 106408283 A CN106408283 A CN 106408283A
Authority
CN
China
Prior art keywords
card
transaction
data message
platform
access platform
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.)
Pending
Application number
CN201610880753.5A
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Chinese (zh)
Inventor
肖红磊
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Beijing Digital Video Payment Technology Co Ltd
Original Assignee
Beijing Digital Video Payment Technology Co Ltd
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Beijing Digital Video Payment Technology Co Ltd filed Critical Beijing Digital Video Payment Technology Co Ltd
Priority to CN201610880753.5A priority Critical patent/CN106408283A/en
Publication of CN106408283A publication Critical patent/CN106408283A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/202Interconnection 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352Contactless payments by cards

Abstract

The present invention provides a mobile settlement system and method. According to the mobile settlement system and method, the data information of an IC card is read through an NFC module in a client; the data information of the IC card is encrypted, so that encrypted data information can be obtained; the encrypted data information is sent to a POS access platform; the POS access platform carries out format conversion on the encrypted data information and sends the converted data information to a appropriate trading platform; interaction between the client supporting an NFC function and the POS access platform is supported; a plurality of trading platforms can be selected; and therefore, costs can be saved for users.

Description

A kind of mobile receipts single system and method
Technical field
The present invention relates to financial transaction field, more particularly to a kind of mobile receipts single system and method.
Background technology
With financial IC card constantly popularization and large-scale distribution, bankcard consumption becomes the consumption pattern of main flow already, PBOC electronic cash is accepted by the public as a kind of means of payment of simple and fast, and this is a kind of novelty, easily services Mode.
Traditional POS as the core force of card swiping terminal, in today, its convenience autgmentability and the feature of interconnection networking Show slightly not enough.The closing of traditional POS technology, carries out interconnecting relatively difficult with other equipment and system, the hardware configuration of traditional POS is led to Often ratio is relatively low, and traffic rate is slow, is suitable for paying sector application, is difficult to be satisfied with the various demands of various industries.
Traditional POS lower deployment cost is higher, undoubtedly increased the operating cost at little difference quotient family, is limited to the skill of traditional POS Art framework, traditional POS upgrades relatively difficult it is difficult to meet the quick and various diversified demand at little difference quotient family now.
Content of the invention
It is an object of the invention to provide a kind of mobile receive single system and method, by support the client of NFC function with POS access platform interacts, and has multiple transaction platforms available, thus saving user cost.
In a first aspect, embodiments providing a kind of mobile receipts single system, described system includes:Client, POS connect Enter platform and transaction platform, wherein, described client includes wireless near field communication NFC module;
Described client, is connected by communication with IC-card, for reading described IC-card by described NFC module Data message, the data message of described IC-card is encrypted the data message obtaining encrypting, and the data by described encryption Information is sent to described POS access platform;
Described POS access platform, is connected with described transaction platform, for receiving the described encryption that described client sends Data message, the data message of described encryption is entered row format conversion, and is sent to described transaction platform accordingly.
In conjunction with a first aspect, embodiments providing the first possible embodiment of first aspect, described client End is additionally operable to send flowing water information to described POS access platform, so that described POS access platform obtains according to described flowing water information Transaction results information, and receive the described transaction results information that described POS access platform sends, and described transaction results are believed Breath is updated, and checks the transaction results information of renewal.
In conjunction with a first aspect, embodiments providing the possible embodiment of first aspect second, described IC-card Including RF card, NFC-SWP card with non-connect bank card.
In conjunction with the possible embodiment of first aspect second, the third may to embodiments provide first aspect Embodiment, described client is additionally operable to receive the transaction data that described POS access platform sends, and by described transaction Data message is decrypted.
In conjunction with a first aspect, embodiments providing the 4th kind of possible embodiment of first aspect, described POS connects Enter platform and include channel management module, flat for the data message of described encryption is sent to by described transaction accordingly according to strategy Platform, wherein, described strategy includes configuration information.
Second aspect, embodiments provides a kind of mobile acquirer's method, and methods described includes:
Read the data message of IC-card;
The data message of described IC-card is encrypted the data message obtaining encrypting;
The data message of described encryption is entered row format conversion, and is sent to corresponding transaction platform.
In conjunction with second aspect, embodiments provide the first possible embodiment of second aspect, methods described Also include:
Obtain flowing water information;
Transaction results information is obtained according to described flowing water information;
Described transaction results information is updated;
Check the transaction results information of renewal.
In conjunction with second aspect, embodiments provide the possible embodiment of second aspect second, described IC-card Including RF card, NFC-SWP card with non-connect bank card.
In conjunction with the possible embodiment of second aspect second, the third may to embodiments provide second aspect Embodiment, methods described also includes:
Obtain transaction data;
Described transaction data is decrypted.
In conjunction with second aspect, embodiments provide the 4th kind of possible embodiment of second aspect, methods described Also include:
The data message of described encryption is sent to by described transaction platform accordingly according to strategy, wherein, described strategy bag Include configuration information.
A kind of mobile number received single system and method, read IC-card by the NFC module in client that the present invention provides It is believed that breath, the data message of IC-card is encrypted the data message obtaining encrypting, and the data message of encryption is sent to POS Access platform, the data message of encryption is entered row format conversion by POS access platform, and is sent to corresponding transaction platform, supports The client of NFC function is interacted with POS access platform, has multiple transaction platforms available, thus saving user cost.
Brief description
In order to be illustrated more clearly that the technical scheme of the embodiment of the present invention, below will be attached to use required in embodiment Figure is briefly described it will be appreciated that the following drawings illustrate only certain embodiments of the present invention, and it is right to be therefore not construed as The restriction of scope, for those of ordinary skill in the art, on the premise of not paying creative work, can also be according to this A little accompanying drawings obtain other related accompanying drawings.
Fig. 1 is a kind of mobile receipts single system schematic diagram provided in an embodiment of the present invention;
Fig. 2 is a kind of mobile acquirer's method flow chart provided in an embodiment of the present invention.
Description of reference numerals:
10-IC card;20- client;30-POS access platform;
40- transaction platform.
Specific embodiment
Purpose, technical scheme and advantage for making the embodiment of the present invention are clearer, below in conjunction with the embodiment of the present invention Middle accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described it is clear that described embodiment only It is a part of embodiment of the present invention, rather than whole embodiments.The present invention generally described and illustrated in accompanying drawing herein is real The assembly applying example can be arranged with various different configurations and design.Therefore, below to the present invention's providing in the accompanying drawings The detailed description of embodiment is not intended to limit the scope of claimed invention, but is merely representative of the selected reality of the present invention Apply example.Based on embodiments of the invention, the institute that those skilled in the art are obtained on the premise of not making creative work There is other embodiment, broadly fall into the scope of protection of the invention.
For in prior art, the hardware configuration of traditional POS is relatively low, and traffic rate is slow, is difficult to meet various industries Various demands, traditional POS lower deployment cost is higher, increased the operating cost of user.A kind of mobile receipts monosystem that the present invention provides System and method, are read the data message of IC-card, the data message of IC-card are encrypted and obtain by the NFC module in client The data message of encryption, and the data message of encryption is sent to POS access platform, the data encrypted is believed by POS access platform Cease into row format conversion, and be sent to corresponding transaction platform, support that the client of NFC function is handed over POS access platform Mutually, there are multiple transaction platforms available, thus saving user cost.
It is described in detail below by embodiment.
Fig. 1 is a kind of mobile receipts single system schematic diagram provided in an embodiment of the present invention.
With reference to Fig. 1, this system includes:Client 20, POS access platform 30, transaction platform 40 and IC-card 10, wherein, institute State client 20 and include wireless near field communication NFC module;
Described client 20, is connected by communication with IC-card 10, for by described NFC (Near Field Communication, the short distance wireless communication technology) module reads the data message of described IC-card 10, by described IC-card 10 Data message is encrypted the data message obtaining encrypting, and it is flat that the data message of described encryption is sent to described POS access Platform 30;
Here, client 20 can be such as, but not limited to, the mobile phone specially including NFC module, mobile phone A PP (Application) NFC module is controlled to read the data message of IC-card 10 by calling Android system, mobile phone A PP is by IC-card 10 data message is encrypted the data message obtaining encrypting, and the data message of encryption is sent to POS access platform 30.
Present Android smartphone employs open framework, has a powerful hardware configuration, the operating system of intelligence, Many types are equipped with NFC function, rely on the NFC function of mobile phone, then the APP joining and specially developing, can be ARIXTRA intelligence handss An IC-card card swiping terminal forged into by machine, and the development language of ARIXTRA APP is Java, and exploitation threshold is low, by customized development, permissible Sector application with little difference quotient family is integrated, thus providing more special services to consumer, provides one kind to differ to consumer The consumption experience of sample.
Can get the background service system of mobile phone A PP by figure, specially:User access administration, safe Orderless keyboard parsing, Terminal parameter management, transaction record management, batch on give, reconciliation, client release management, advertisement pushing, system administration, transaction Process and security control etc..
Wherein, client 20 and described IC-card 10 can by one of wifi, bluetooth, Zigbee and sound wave mode or Several it is attached.
Described POS access platform 30, is connected with described transaction platform 40, for receiving the institute that described client 20 sends State the data message of encryption, the data message of described encryption is entered row format conversion, and is sent to described transaction platform accordingly 40.
Here, the access of mobile phone A PP is responsible for by POS access platform 30, and carries out lattice to the data message of the encryption sending Formula is changed, and is sent to corresponding transaction platform 40.Wherein, transaction platform 40 includes wing payment account platform, Unionpay/bank puts down Platform and other platforms.
Specifically, if the form of the data message conversion to encryption for the POS access platform 30 meets wing payment account platform Required form, then be sent to wing payment account platform.
In addition, POS access platform 30 also provides user authentication management, trading processing, transaction record management, trade company's access tube Reason, terminal parameter management, risk management, batch on send and the functions such as reconciliation.
POS access platform 30 can also be with the member system of user and ERP (Enterprise Resource Planning, Enterprise Resources Plan) UNICOM such as system, be conducive to user to release various advertising campaigns.
According to the exemplary embodiment of the present invention, described client 20 is additionally operable to send stream to described POS access platform 30 Water information, so that described POS access platform 30 obtains transaction results information according to described flowing water information, and receives described POS and connects Enter the described transaction results information of platform 30 transmission, and described transaction results information is updated, check the transaction of renewal Object information.
Here, flowing water information includes the information such as the time of transferring accounts, dealing money.Mobile phone A PP provides administration interface, and user is permissible The transaction results information of renewal is checked on mobile phone, can also look at sequence information, transaction record information and financial statement information.
Mobile phone A PP provides online upgrading function, and upgrades easily, simple to operate.
According to the exemplary embodiment of the present invention, described IC-card 10 includes RF (Radio Frequency, RF identification) Card, NFC-SWP (Near Field Communication-Single Wire Protocol) card connect bank card with non-.
Here, NFC-SWP can realize near-field communication function, realizes mobile payment application, and the difference meeting market is used The demand at family.
According to the exemplary embodiment of the present invention, described client 20 is additionally operable to receive described POS access platform 30 and sends Transaction data, and described transaction data is decrypted.
Here, client 20 not only can send data to POS access platform 30 it is also possible to receive POS access platform 30 The data sending.
The data message of IC-card 10 is encrypted by client 20, and is sent to POS access platform;Client 20 is acceptable Receive the transaction data that POS access platform 30 sends, and transaction data is decrypted.
According to the exemplary embodiment of the present invention, described POS access platform 30 includes channel management module, for according to plan Slightly the data message of described encryption is sent to described transaction platform 40 accordingly, wherein, described strategy includes configuration information.
Here, by being configured to configuration information, thus being sent to corresponding transaction platform 40.For example, configuration information Including the relatively low information of cell-phone fee, and the relatively low information of cell-phone fee corresponding be Unionpay/bank's platform, then be sent to Unionpay/silver Row platform, thus save the operation cost of user.
A kind of mobile data message received single system, read IC-card by the NFC module in client that the present invention provides, The data message of IC-card is encrypted the data message obtaining encrypting, and it is flat that the data message of encryption is sent to POS access Platform, the data message of encryption is entered row format conversion by POS access platform, and is sent to corresponding transaction platform, supports NFC function Client interact with POS access platform, have multiple transaction platforms available, thus saving user cost.
Fig. 2 is a kind of mobile acquirer's method flow chart provided in an embodiment of the present invention.
With reference to Fig. 2, the method comprises the following steps:
Step S201, reads the data message of IC-card;
Step S202, the data message of described IC-card is encrypted the data message obtaining encrypting;
Step S203, the data message of described encryption is entered row format conversion, and is sent to corresponding transaction platform.
According to the exemplary embodiment of the present invention, methods described also includes:
Obtain flowing water information;
Transaction results information is obtained according to described flowing water information;
Described transaction results information is updated;
Check the transaction results information of renewal.
According to the exemplary embodiment of the present invention, described IC-card includes RF card, NFC-SWP card and non-connects bank card.
Here, NFC-SWP can realize near-field communication function, realizes mobile payment application, and the difference meeting market is used The demand at family.
According to the exemplary embodiment of the present invention, methods described also includes:
Obtain transaction data;
Described transaction data is decrypted.
According to the exemplary embodiment of the present invention, methods described also includes:
The data message of described encryption is sent to by described transaction platform accordingly according to strategy, wherein, described strategy bag Include configuration information.
Here, transaction platform includes wing payment account platform, Unionpay/bank's platform and other platforms.
Specifically, by being configured to configuration information, thus being sent to corresponding transaction platform.For example, configuration information Including the relatively low information of cell-phone fee, and the relatively low information of cell-phone fee corresponding be Unionpay/bank's platform, then be sent to Unionpay/silver Row platform.
A kind of mobile acquirer's method that the present invention provides, reads the data message of IC-card by the NFC module in client, The data message of IC-card is encrypted the data message obtaining encrypting, and it is flat that the data message of encryption is sent to POS access Platform, the data message of encryption is entered row format conversion by POS access platform, and is sent to corresponding transaction platform, supports NFC function Client interact with POS access platform, have multiple transaction platforms available, thus saving user cost.
The device that the embodiment of the present invention is provided for the specific hardware on equipment or can be installed on the software on equipment Or firmware etc..The device that the embodiment of the present invention is provided, it realizes the technique effect of principle and generation and preceding method embodiment Identical, for briefly describing, device embodiment part does not refer to part, refers to corresponding contents in preceding method embodiment.Affiliated The technical staff in field can be understood that, for convenience and simplicity of description, system described above, device and unit Specific work process, all may be referred to the corresponding process in said method embodiment, will not be described here.
It should be understood that disclosed apparatus and method in embodiment provided by the present invention, other sides can be passed through Formula is realized.Device embodiment described above is only that schematically for example, the division of described unit, only one kind are patrolled Volume function divides, and actual can have other dividing mode when realizing, and for example, multiple units or assembly can in conjunction with or can To be integrated into another system, or some features can be ignored, or does not execute.Another, shown or discussed each other Coupling or direct-coupling or call connection can be by some telephony interface, the INDIRECT COUPLING of device or unit or call are even Connect, can be electrical, mechanical or other forms.
The described unit illustrating as separating component can be or may not be physically separate, show as unit The part showing can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple On NE.
The purpose to realize this embodiment scheme for some or all of unit therein can be selected according to the actual needs.
In addition, each functional unit in the embodiment that the present invention provides can be integrated in a processing unit, also may be used To be that unit is individually physically present it is also possible to two or more units are integrated in a unit.
If described function realized using in the form of SFU software functional unit and as independent production marketing or use when, permissible It is stored in a computer read/write memory medium.
Based on such understanding, part that technical scheme substantially contributes to prior art in other words or Partly being embodied in the form of software product of this technical scheme of person, this computer software product is stored in a storage In medium, including some instructions with so that a computer equipment (can be that personal computer, server, or network set Standby etc.) all or part of step of execution each embodiment methods described of the present invention.
And aforesaid storage medium includes:USB flash disk, portable hard drive, read only memory (ROM, Read-Only Memory), with Machine access memorizer (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with Jie of store program codes Matter.
It should be noted that:Similar label and letter represent similar terms in following accompanying drawing, therefore, once a certain Xiang Yi It is defined in individual accompanying drawing, then do not need it to be defined further and explains in subsequent accompanying drawing, additionally, term " the One ", " second ", " the 3rd " etc. are only used for distinguishing description, and it is not intended that indicating or hint relative importance.
Finally it should be noted that:The specific embodiment of embodiment described above, the only present invention, in order to illustrate the present invention Technical scheme, be not intended to limit, protection scope of the present invention is not limited thereto, although with reference to the foregoing embodiments to this Bright be described in detail, it will be understood by those within the art that:Any those familiar with the art The invention discloses technical scope in, it still can be modified to the technical scheme described in previous embodiment or can be light It is readily conceivable that change, or equivalent is carried out to wherein some technical characteristics;And these modifications, change or replacement, do not make The essence of appropriate technical solution departs from the spirit and scope of embodiment of the present invention technical scheme.The protection in the present invention all should be covered Within the scope of.Therefore, protection scope of the present invention should described be defined by scope of the claims.

Claims (10)

1. a kind of mobile single system of receiving is it is characterised in that described system includes:Client, POS access platform and transaction platform, Wherein, described client includes wireless near field communication NFC module;
Described client, is connected by communication with IC-card, for reading the number of described IC-card by described NFC module It is believed that breath, the data message of described IC-card is encrypted the data message obtaining encrypting, and the data message by described encryption It is sent to described POS access platform;
Described POS access platform, is connected with described transaction platform, for receiving the number of the described encryption that described client sends It is believed that breath, the data message of described encryption is entered row format conversion, and is sent to described transaction platform accordingly.
2. a kind of movement receives single system it is characterised in that described client is additionally operable to described POS according to claim 1 Access platform sends flowing water information, so that described POS access platform obtains transaction results information according to described flowing water information, and connects Receive the described transaction results information that described POS access platform sends, and described transaction results information is updated, check more New transaction results information.
3. a kind of movement receives single system it is characterised in that described IC-card includes RF card, NFC-SWP card according to claim 1 Connect bank card with non-.
4. a kind of movement receives single system it is characterised in that described client is additionally operable to described in reception according to claim 2 The transaction data that POS access platform sends, and described transaction data is decrypted.
5. a kind of movement receives single system it is characterised in that described POS access platform includes channel pipe according to claim 1 Reason module, for being sent to described transaction platform accordingly, wherein, described strategy according to strategy by the data message of described encryption Including configuration information.
6. a kind of mobile acquirer's method is it is characterised in that methods described includes:
Read the data message of IC-card;
The data message of described IC-card is encrypted the data message obtaining encrypting;
The data message of described encryption is entered row format conversion, and is sent to corresponding transaction platform.
7. a kind of mobile acquirer's method according to claim 6 is it is characterised in that methods described also includes:
Obtain flowing water information;
Transaction results information is obtained according to described flowing water information;
Described transaction results information is updated;
Check the transaction results information of renewal.
8. a kind of mobile acquirer's method according to claim 6 is it is characterised in that described IC-card includes RF card, NFC-SWP Card connects bank card with non-.
9. a kind of mobile acquirer's method according to claim 7 is it is characterised in that methods described also includes:
Obtain transaction data;
Described transaction data is decrypted.
10. a kind of mobile acquirer's method according to claim 6 is it is characterised in that methods described also includes:
The data message of described encryption is sent to by described transaction platform accordingly according to strategy, wherein, described strategy includes setting Confidence ceases.
CN201610880753.5A 2016-10-09 2016-10-09 Mobile settlement system and method Pending CN106408283A (en)

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Application Number Priority Date Filing Date Title
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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112990988A (en) * 2021-05-12 2021-06-18 壹药网科技(上海)股份有限公司 Data conversion system

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103280038A (en) * 2013-05-10 2013-09-04 江苏怡丰通信设备有限公司 Financial payment system based on family gateway and payment method thereof
CN104318436A (en) * 2014-10-21 2015-01-28 上海鹏逸电子商务有限公司 Safety payment method and system based on mobile terminal and mobile terminal

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103280038A (en) * 2013-05-10 2013-09-04 江苏怡丰通信设备有限公司 Financial payment system based on family gateway and payment method thereof
CN104318436A (en) * 2014-10-21 2015-01-28 上海鹏逸电子商务有限公司 Safety payment method and system based on mobile terminal and mobile terminal

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112990988A (en) * 2021-05-12 2021-06-18 壹药网科技(上海)股份有限公司 Data conversion system

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Application publication date: 20170215