CN107330683A - Bank based on UTK cards withholds method and system - Google Patents
Bank based on UTK cards withholds method and system Download PDFInfo
- Publication number
- CN107330683A CN107330683A CN201710517173.4A CN201710517173A CN107330683A CN 107330683 A CN107330683 A CN 107330683A CN 201710517173 A CN201710517173 A CN 201710517173A CN 107330683 A CN107330683 A CN 107330683A
- Authority
- CN
- China
- Prior art keywords
- withholds
- utk
- cards
- bit stream
- mission bit
- 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
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/206—Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
Abstract
Method and system is withheld the present invention relates to a kind of bank based on UTK cards, this method includes：The menu session of UTK cards is opened, and enters STK main menus；The STK main menus withhold payment menu comprising this；Payment menu is withheld according to this, amount information to be entered, encrypted message is shown；The encrypted message is the bank card password bound with UTK cards；Receive amount information, encrypted message and the confirmation of user's input；This will be performed withhold mission bit stream and be submitted to payment gateway, and complete delivery operation, solve endless end equipment, and not influence to complete in the case of the normal use of former UTK cards and withhold payment transaction.
Description
Technical field
Technical field is withheld the present invention relates to bank, more particularly to a kind of bank based on UTK cards withholds method and is
System.
Background technology
Bank card, which is withheld, to be referred to pay correlative charges automatically by specified bank card to withhold mode.User is consumed
When needing to be paid, system withholds platform to concentration bank card and initiates instruction of withholing, and withholds platform from bank card and is tied up to client
Fixed bank card withhold to complete to pay dues.Remove client to run away to each department the trouble of payment, as long as in account having
Enough money, bank can be held and remitted on schedule, and agreement is withheld on condition that to open an account in a bank and sign, and such as charges for water and electricity have
Line TV takes, tax, old-age pension, insurance, telephone charge etc..
Tradition withholds business and is based substantially on traditional POS, and hardware cost is larger.During using POS, during input password, quilt
Steal risk larger.Need to access payment platform by different manufacturers in addition, tradition withholds service terminal equipment, technical parameter is poor
Away from larger, payment platform is difficult to pay the numerous manufacturers of covering.
The content of the invention
Based on this, it is necessary to for based on traditional POS, the problem of hardware cost is larger is there is provided a kind of based on UTK cards
Bank withholds method and system.
A kind of bank based on UTK cards withholds method, including：The menu session of UTK cards is opened, and enters main menu；Institute
State main menu and withhold payment menu comprising this；Payment menu is withheld according to this, amount information to be entered, message in cipher is shown
Breath；The encrypted message is the bank card password bound with UTK cards；Receive user input amount information, encrypted message and really
Recognize information；This will be performed withhold mission bit stream and be submitted to payment gateway, and complete delivery operation.
Preferably, payment menu is withheld according to this, the step of showing amount information to be entered, encrypted message includes：
By main menu content feed to application program, application program is run to the STK main menus, shows amount of money letter to be entered
Breath, encrypted message.
Preferably, this will be performed to withhold the step of mission bit stream is submitted to payment gateway and include：This is performed by described
Withhold mission bit stream to be encrypted, by the execution after encryption, this withholds mission bit stream and is submitted to payment gateway.
Preferably, by the execution after encryption, this withholds the step of mission bit stream is submitted to payment gateway and included：Will encryption
Performing this and withhold mission bit stream payment gateway is committed in the form of short message afterwards.
Preferably, by the execution after encryption, this withholds the step that mission bit stream is committed to payment gateway in the form of short message
Include after rapid：To the execution after the encryption, this withholds mission bit stream and is decrypted, and judge decryption after execution this
Withhold mission bit stream validity；If this withholds mission bit stream effectively for execution after decryption, task is withheld according to described this
Information reduces correspondence bank card account number fund, completes this operation.
A kind of bank based on UTK cards withholds system, including：Main menu enters module, information to be entered display module, defeated
Enter information receiving module and payment module；The main menu enters module, the menu session for opening UTK cards, goes forward side by side and becomes owner of
Menu；The main menu withholds payment menu comprising this；The information to be entered display module, for withholding branch according to this
Menu is paid, amount information to be entered, encrypted message is shown；The encrypted message is the bank card password bound with UTK cards；Institute
Input information receiving module is stated, amount information, encrypted message and confirmation for receiving user's input；The payment mould
Block, withholds mission bit stream for will perform this and is submitted to payment gateway, complete delivery operation.
Preferably, the information to be entered display module, is additionally operable to main menu content feed to application program, using journey
After sort run to the STK main menus, amount information to be entered, encrypted message are shown.
Preferably, the payment module includes encrypting module；The encrypting module, for by it is described perform this withhold appoint
Business information is encrypted, and by the execution after encryption, this withholds mission bit stream and is submitted to payment gateway.
Preferably, the payment module includes SMS module；The SMS module, for by execution this second generation after encryption
Button mission bit stream is committed to payment gateway in the form of short message.
Preferably, in addition to：Authentication module；It is described to have authentication module, for the execution after the encryption, this to withhold
Mission bit stream is decrypted, and judge decryption after execution this withhold mission bit stream validity；If decryption after execution this
Withhold mission bit stream effectively, then withholding mission bit stream according to described this reduces correspondence bank card account number fund, completes this behaviour
Make.
The above-mentioned bank based on UTK cards withholds method, and application program is have cured in UTK cards, runs described program, enters
Enter the main menu for being withheld comprising this and paying menu.Payment menu is withheld according to this, amount information to be entered, password is shown
Information；The encrypted message is the bank card password bound with UTK cards；Receive user input amount information, encrypted message and
Confirmation；This will be performed to withhold mission bit stream and be submitted to payment gateway, withholding mission bit stream according to described this reduces pair
Answer bank card account number fund, you can complete this operation, solve endless end equipment, and do not influence the normal of former UTK cards to use
In the case of complete and withhold payment transaction.
Brief description of the drawings
Fig. 1 withholds the indicative flowchart of method for the bank based on UTK cards of an embodiment；
Fig. 2 withholds the indicative flowchart of method for the bank based on UTK cards of another embodiment；
Fig. 3 withholds the schematic diagram of system for the bank based on UTK cards of an embodiment.
Embodiment
The UTK cards of this programme（UIM card applications tool box）In have cured application program, it allow be based on smart card
User identification module (UIM cards) run the application software of oneself.UTK technologies provide for the value-added service of UIM cards can
Simple, the easy-operating development platform of the environment of exploitation, i.e., one.When the application program for being solidificated in UTK cards starts for the first time, including
Two parts, first, subprocess is produced after program operation, each equipment has a corresponding subprocess control, and subprocess is main
It is the short message receiving-transmitting of control device, parent process is mainly the survival condition for the subprocess for monitoring each control device, and such as fruit enters
Cheng Yinwei is exited extremely, and parent process can remove the abnormal subprocess information and resource exited, and is regenerated equipment control and entered
Cheng Jinhang is supplemented；Second, equipment is initialized, initialization includes：(1) equipment stateful transaction mark, serial communication are set
Baud rate.(2) short message sending is set and form is received, instructs AT+CMGF=0 that form is set into PDU forms by AT.
(3) device Errors are set to point out long form, corresponding setting AT instructions are AT+CMEE=1.(4) when setting equipment is restarted
Procedural information prompt switch, corresponding setting AT instructions are AT+WIND=15.(5) it is initial shape to set type of transaction parameter
State.（6）Plant in good condition self-inspection.Wherein equipment can be mobile phone.Application program is instructed by running AT+STGI=0, and equipment is opened
Open the menu session of UTK cards and enter STK main menus, the STK main menus withhold payment menu comprising this；Equipment is by UTK
STK main menu content feeds in card are to application program.Application program enters after STK main menus, prompting user's input amount of money,
The information such as password, after user's input, are clicked on and confirm, equipment receives confirmation, and this is withheld after the signal of task, is performed this and is withheld
Task, payment gateway is submitted to by relevant information in the form of short message, completes this delivery operation.It need not subtract by POS
Few hardware cost.
Fig. 1 withholds the indicative flowchart of method for the bank based on UTK cards of an embodiment；As shown in figure 1, a kind of base
Method is withheld in the bank of UTK cards, including：
S11, opens the menu session of UTK cards, and enters main menu；The main menu withholds payment menu comprising this；
The main menu is STK main menus.
S12, payment menu is withheld according to this, shows amount information to be entered, encrypted message；The encrypted message is
The bank card password bound with UTK cards；
As a preferred embodiment, step S12 includes：By STK main menus content feed to application program, application program run to
After the STK main menus, amount information to be entered, encrypted message are shown.
S13, receives amount information, encrypted message and the confirmation of user's input；
S14, will perform this and withhold mission bit stream and be submitted to payment gateway, complete delivery operation.
As a preferred embodiment, in step S14 will perform this withhold the step that mission bit stream is submitted to payment gateway
Suddenly include：By the execution, this withholds mission bit stream and is encrypted, and by the execution after encryption, this withholds mission bit stream submission
To payment gateway.Further, by the execution after encryption, this withholds the step of mission bit stream is submitted to payment gateway and included：
By the execution after encryption, this is withheld mission bit stream and payment gateway is committed in the form of short message.
As a preferred embodiment, by the execution after encryption, this is withheld mission bit stream and branch is committed in the form of short message
Include after the step of paying gateway：To the execution after the encryption, this withholds mission bit stream and is decrypted, and judges after decryption
Execution this withhold mission bit stream validity；If decryption after execution this withhold mission bit stream effectively, according to described
The secondary mission bit stream that withholds reduces correspondence bank card account number fund, completes this operation.
Fig. 2 withholds the indicative flowchart of method for the bank based on UTK cards of another embodiment；As shown in Fig. 2 a kind of
Bank based on UTK cards withholds method, including：
S21, initializes menu.
Start bank in mobile phone terminal and withhold business, run corresponding application program, initialize menu.
S22, menu is withheld into this.
S23, shows amount information to be entered, encrypted message.Prompting user's input needs the amount of money that withholds, and with it is described
The encrypted message of the bank card of UTK cards binding.
S24, receives amount information, encrypted message and the confirmation of user's input.
S25, by the execution, this withholds mission bit stream and is encrypted.Mission bit stream is withheld to described this to be added
It is close, ensure the safety for withholding information.
S26, by the execution after encryption, this is withheld mission bit stream and payment gateway is committed in the form of short message.
S27, judges whether to send correct.If judging to send correct, step S28 is performed, if judging to send mistake, is propped up
Pay failure.
S28, is sent to payment platform.
S29, checks whether validity.If being examined in payment platform to described this and withholding mission bit stream effectively, perform
Step S30, if failure, pays failure.
S30, then withhold mission bit stream according to described this and reduce correspondence bank card account number fund.
S31, pays successfully.
The above-mentioned bank based on UTK cards withholds method, and application program is have cured in UTK cards, runs described program, enters
Enter the STK main menus for being withheld comprising this and paying menu.Payment menu is withheld according to this, show amount information to be entered,
Encrypted message；The encrypted message is the bank card password bound with UTK cards；Receive amount information, the message in cipher of user's input
Breath and confirmation；This will be performed to withhold mission bit stream and be submitted to payment gateway, mission bit stream button is withheld according to described this
Subtract correspondence bank card account number fund, you can complete this operation, endless end equipment is solved, and do not influence the normal of former UTK cards
Completed in the case of use and withhold payment transaction.
Fig. 3 withholds the schematic diagram of system for the bank based on UTK cards of an embodiment.As shown in figure 3, a kind of base
System is withheld in the bank of UTK cards, including：STK main menus enter module 11, information to be entered display module 12, input information
Receive 13 pieces of mould and payment module 14；The STK main menus enter module 11, for opening the menu session of UTK cards, and enter
STK main menus；The STK main menus withhold payment menu comprising this；The information to be entered display module 12, for basis
This withholds payment menu, shows amount information to be entered, encrypted message；The encrypted message is the silver bound with UTK cards
Row clip pin；The input information receives 13 pieces of mould, amount information, encrypted message and confirmation letter for receiving user's input
Breath；The payment module 14, withholds mission bit stream for will perform this and is submitted to payment gateway, complete delivery operation.
As a preferred embodiment, the information to be entered display module 12, be additionally operable to by STK main menus content feed to
Application program, application program is run to the STK main menus, shows amount information to be entered, encrypted message.
As a preferred embodiment, the payment module 14 includes encrypting module 141；The encrypting module 141, for inciting somebody to action
Described to perform this and withhold mission bit stream and be encrypted, by the execution after encryption, this withholds mission bit stream and is submitted to payment net
Close.
As a preferred embodiment, the payment module 14 includes SMS module 142；The SMS module 142, for inciting somebody to action
Performing this and withhold mission bit stream payment gateway is committed in the form of short message after encryption.
As a preferred embodiment, in addition to：Authentication module 143；It is described to have authentication module 143, for the encryption
This withholds mission bit stream and is decrypted for execution afterwards, and judges the execution after decryption this withholds mission bit stream validity；If
This withholds mission bit stream effectively for execution after decryption, then withholding mission bit stream according to described this reduces correspondence bank card account number
Fund, completes this operation.
The above-mentioned bank based on UTK cards withholds method and withholds system suitable for the bank based on UTK cards, herein no longer
Repeat one by one.
The above-mentioned bank based on UTK cards withholds method, and application program is have cured in UTK cards, runs described program, enters
Enter the STK main menus for being withheld comprising this and paying menu.The information to be entered display module 12 withholds payment dish according to this
It is single, show amount information to be entered, encrypted message；The encrypted message is the bank card password bound with UTK cards；It is described defeated
Enter information and receive amount information, encrypted message and confirmation that 13 pieces of mould receives user's input；The payment module 14 will be held
Capable this withholds mission bit stream and is submitted to payment gateway, and withholding mission bit stream according to described this reduces correspondence bank card account number money
Gold, you can complete this operation.
Each technical characteristic of embodiment described above can be combined arbitrarily, to make description succinct, not to above-mentioned reality
Apply all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not deposited
In contradiction, the scope of this specification record is all considered to be.
Embodiment described above only expresses the several embodiments of the present invention, and it describes more specific and detailed, but simultaneously
Can not therefore it be construed as limiting the scope of the patent.It should be pointed out that coming for one of ordinary skill in the art
Say, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection of the present invention
Scope.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.
Claims (10)
1. a kind of bank based on UTK cards withholds method, it is characterised in that including：
The menu session of UTK cards is opened, and enters main menu；The main menu withholds payment menu comprising this；
Payment menu is withheld according to this, amount information to be entered, encrypted message is shown；The encrypted message be and UTK cards
The bank card password of binding；
Receive amount information, encrypted message and the confirmation of user's input；
This will be performed withhold mission bit stream and be submitted to payment gateway, and complete delivery operation.
2. the bank according to claim 1 based on UTK cards withholds method, it is characterised in that withhold payment according to this
Menu, the step of showing amount information to be entered, encrypted message includes：
By main menu content feed to application program, application program is run to the STK main menus, shows gold to be entered
Volume information, encrypted message.
3. the bank according to claim 1 based on UTK cards withholds method, it is characterised in that will perform this and withholds and appoints
The step of business information is submitted to payment gateway includes：
By the execution, this withholds mission bit stream and is encrypted, and by the execution after encryption, this withholds mission bit stream and is submitted to branch
Pay gateway.
4. the bank according to claim 3 based on UTK cards withholds method, it is characterised in that by the execution sheet after encryption
It is secondary to withhold the step of mission bit stream is submitted to payment gateway and include：
By the execution after encryption, this is withheld mission bit stream and payment gateway is committed in the form of short message.
5. the bank according to claim 4 based on UTK cards withholds method, it is characterised in that by the execution sheet after encryption
The secondary mission bit stream that withholds is included after the step of payment gateway is committed in the form of short message：
To the execution after the encryption, this withholds mission bit stream and is decrypted, and judge decryption after execution this withhold task
Effectiveness of information；
If this withholds mission bit stream effectively for execution after decryption, withholding mission bit stream according to described this reduces correspondence bank
Card account fund, completes this operation.
6. a kind of bank based on UTK cards withholds system, it is characterised in that including：Main menu enters module, information to be entered and shown
Show module, input information receiving module and payment module；
The main menu enters module, for opening the menu session of UTK cards, and enters main menu；The main menu includes this
It is secondary to withhold payment menu；
The information to be entered display module, for withholding payment menu according to this, shows amount information to be entered, password
Information；The encrypted message is the bank card password bound with UTK cards；
The input information receiving module, amount information, encrypted message and confirmation for receiving user's input；
The payment module, withholds mission bit stream for will perform this and is submitted to payment gateway, complete delivery operation.
7. the bank according to claim 6 based on UTK cards withholds system, it is characterised in that the information to be entered shows
Show module, be additionally operable to main menu content feed to application program, application program is run to the STK main menus, and display is treated
The amount information of input, encrypted message.
8. the bank according to claim 6 based on UTK cards withholds method, it is characterised in that the payment module includes
Encrypting module；
The encrypting module, for performing this by described and withholding mission bit stream and be encrypted, by execution this second generation after encryption
Button mission bit stream is submitted to payment gateway.
9. the bank according to claim 8 based on UTK cards withholds method, it is characterised in that the payment module includes
SMS module；
The SMS module, for by performing this and withhold mission bit stream payment net is committed in the form of short message after encryption
Close.
10. the bank according to claim 9 based on UTK cards withholds method, it is characterised in that also include：Authentication module；
It is described to have authentication module, for this to withhold mission bit stream and is decrypted to the execution after the encryption, and judge decryption
Execution afterwards this withhold mission bit stream validity；If this withholds mission bit stream effectively for execution after decryption, according to described
This withholds mission bit stream and reduces correspondence bank card account number fund, completes this operation.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710517173.4A CN107330683A (en) | 2017-06-29 | 2017-06-29 | Bank based on UTK cards withholds method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710517173.4A CN107330683A (en) | 2017-06-29 | 2017-06-29 | Bank based on UTK cards withholds method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107330683A true CN107330683A (en) | 2017-11-07 |
Family
ID=60198459
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710517173.4A Pending CN107330683A (en) | 2017-06-29 | 2017-06-29 | Bank based on UTK cards withholds method and system |
Country Status (1)
| Country | Link |
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| CN (1) | CN107330683A (en) |
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| CN109741069A (en) * | 2018-12-27 | 2019-05-10 | 北京微播视界科技有限公司 | Processing method, device, electronic equipment and the readable storage medium storing program for executing of transaction data |
| CN112669031A (en) * | 2020-12-14 | 2021-04-16 | 支付宝(杭州)信息技术有限公司 | Recharging-free data processing method, device, equipment and system for payment card |
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Application publication date: 20171107 |