CN108074094A - Resource compensation process and device - Google Patents
Resource compensation process and device Download PDFInfo
- Publication number
- CN108074094A CN108074094A CN201711323997.4A CN201711323997A CN108074094A CN 108074094 A CN108074094 A CN 108074094A CN 201711323997 A CN201711323997 A CN 201711323997A CN 108074094 A CN108074094 A CN 108074094A
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- China
- Prior art keywords
- money
- instruction
- virtual card
- server
- terminal
- Prior art date
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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
- G06Q20/351—Virtual 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
- G06Q20/22—Payment schemes or models
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
Present disclose provides a kind of resource compensation process and devices, belong to field of terminal technology.Method includes：When the surplus resources of virtual card in embedded security chip meet preset condition, sent to given server on behalf of charging request；When receive given server on behalf of successful recharging voucher when, to given server send charging request, charging request for obtain supplements instruction with money；Instruction is supplemented in reception with money, will be supplemented instruction with money and is sent to embedded security chip, is supplemented instruction with money and is sent by given server after charging request is verified；Instruction is supplemented in virtual card write-in to embedded security chip with money.The disclosure carries virtual card by embedded security chip, and the resource supplement process of virtual card is carried out by given server, can realize automatic resource supplement while security is ensured, can greatly improve the intelligent of the process.
Description
Technical field
This disclosure relates to field of terminal technology more particularly to a kind of resource compensation process and device.
Background technology
With the development of terminal, more and more daily behaviors can be realized by terminal.For example, terminal can store storage
It is worth the relevant information of card, so as to simulate the function of stored value card, when user is paid, terminal may be employed and replace reality
Card is completed to pay by way of near-field communication.However, in actual use, user often forgets to be supplemented with money, directly
To can just find that Sorry, your ticket has not enough value when swiping the card, so as to influence normal use.And currency is actually a kind of resource, in current any
During the use of kind resource, it can be related to the above problem, therefore, there is an urgent need for a kind of intelligentized resource compensation processes.
The content of the invention
To overcome the problems, such as not smart enoughization in correlation technique, the disclosure provides a kind of resource compensation process and device.
In a first aspect, provide a kind of resource compensation process, applied to terminal, the described method includes：
When the surplus resources of virtual card in embedded security chip meet preset condition, by given server to branch
Pay server is sent on behalf of charging request, and described be used to indicate on behalf of charging request to the virtual card supplement specifies resource,
The given server between the Issuer server of the virtual card by interacting by being supplemented with money；
When receive the given server on behalf of successful recharging voucher when, to the given server transmission supplement with money please
It asks；
It supplements instruction described in reception with money, supplements instruction with money by described and be sent to the embedded security chip, it is described to supplement instruction with money
It is sent by the given server after the charging request is verified, it is described to supplement instruction with money and be used to indicate in the virtual card
Increase the specified resource on the basis of the surplus resources of piece；
Instruction is supplemented with money to described in virtual card write-in described in the embedded security chip.
It is described to be supplemented with money to described in virtual card write-in described in the embedded security chip in a kind of possible realization method
Instruction includes：
To when supplementing any one part of instruction described in the virtual card write-in with money or time-out occurs for specified portions, automatically
Initiate to the virtual card re-write it is described supplement instruction with money retry process, supplement instruction with money until described and write successfully or again
Examination number stops when reaching preset times.
In a kind of possible realization method, the method further includes：
When writing unsuccessful, refund request is sent to the payment server by the given server, it is described to move back
Money request is used to indicate the payment server and returns the specified resource to the account of the terminal.
In a kind of possible realization method, the method further includes：
It is interacted by the given server and the payment server, by the virtual card and the terminal
Account is bound.
Second aspect provides a kind of resource supplementary device, applied to terminal, the described method includes：
Sending module, for when the surplus resources of virtual card in embedded security chip meet preset condition, passing through
Given server is sent to payment server on behalf of charging request, described to be used to indicate on behalf of charging request to the virtual card
Supplement specifies resource；
The sending module, be additionally operable to when receive the given server on behalf of successful recharging voucher when, to described
Given server sends charging request, leads between the Issuer server that the given server passes through the virtual card
Interaction is crossed to be supplemented with money；
Receiving module, for receive it is described supplement instruction with money, supplement instruction with money by described and be sent to the embedded security chip,
It is described to supplement instruction with money and sent by the given server after the charging request is verified, it is described to supplement instruction with money and be used to indicate
Increase the specified resource on the basis of the surplus resources of the virtual card；
Writing module, for supplementing instruction with money to described in virtual card write-in described in the embedded security chip.
In a kind of possible realization method, the receiving module is used to supplement instruction with money to described in the virtual card write-in
Any one part or specified portions when time-out occurs, automatically initiate to re-write to the virtual card and described supplement instruction with money
Process is retried, supplements that instruction writes successfully or when number of retries reaches preset times stops with money until described.
In a kind of possible realization method, the sending module is additionally operable to, when writing unsuccessful, pass through the specified clothes
Device be engaged in payment server transmission refund request, the refund request is used to indicate the payment server and described will specify
Resource is returned to the account of the terminal.
In a kind of possible realization method, described device further includes：Binding module, for pass through the given server with
The payment server interacts, and the account of the virtual card and the terminal is bound.
The third aspect provides a kind of resource compensation process, applied to given server, the described method includes：
Receive terminal on behalf of charging request, the virtual card benefit being used to indicate on behalf of charging request to the terminal
Fill specified resource；
It interacts, is completed to institute between Issuer server and payment server by the virtual card
The payment of specified resource is stated, is sent to the terminal on behalf of successful recharging voucher；
When receiving the charging request of the terminal, instruction is supplemented with money to terminal transmission, it is described to supplement instruction with money and be used for
Instruction supplements the specified resource in the virtual card.
In a kind of possible realization method, the method further includes：
The refund request of the terminal is received, the refund request is sent to the payment server, the reimbursement please
It asks and is used to indicate the payment server and returns the specified resource to the account of the terminal.
In a kind of possible realization method, the method further includes：
Receive for the first time the terminal on behalf of charging request when, by being interacted with the payment server,
The account of the virtual card and the terminal is bound.
Fourth aspect provides a kind of resource supplementary device, including：
Processor；
For storing the memory for the instruction that processor can perform；
Wherein, the processor is configured as：
When the surplus resources of virtual card in embedded security chip meet preset condition, by given server to branch
Pay server is sent on behalf of charging request, and described be used to indicate on behalf of charging request to the virtual card supplement specifies resource,
The given server between the Issuer server of the virtual card by interacting by being supplemented with money；
When receive the given server on behalf of successful recharging voucher when, to the given server transmission supplement with money please
It asks；
It supplements instruction described in reception with money, supplements instruction with money by described and be sent to the embedded security chip, it is described to supplement instruction with money
It is sent by the given server after the charging request is verified, it is described to supplement instruction with money and be used to indicate in the virtual card
Increase the specified resource on the basis of the surplus resources of piece；
Instruction is supplemented with money to described in virtual card write-in described in the embedded security chip.
5th aspect, provides a kind of resource supplementary device, including：
Processor；
For storing the memory for the instruction that processor can perform；
Wherein, the processor is configured as：
Receive terminal on behalf of charging request, the virtual card benefit being used to indicate on behalf of charging request to the terminal
Fill specified resource；
It interacts, is completed to institute between Issuer server and payment server by the virtual card
The payment of specified resource is stated, is sent to the terminal on behalf of successful recharging voucher；
When receiving the charging request of the terminal, instruction is supplemented with money to terminal transmission, it is described to supplement instruction with money and be used for
Instruction supplements the specified resource in the virtual card.
The technical scheme provided by this disclosed embodiment can include the following benefits：The technical side that the disclosure provides
Case carries virtual card by embedded security chip, passes through given server to the resource supplement process of virtual card
It carries out, can realize automatic resource supplement while security is ensured, the intelligent of the process can be greatly improved.
It should be appreciated that above general description and following detailed description are only exemplary and explanatory, not
The disclosure can be limited.
Description of the drawings
Attached drawing herein is merged in specification and forms the part of this specification, shows the implementation for meeting the disclosure
Example, and for explaining the principle of the disclosure together with specification.
Fig. 1 is the flow chart according to a kind of resource compensation process shown in an exemplary embodiment.
Fig. 2 is the flow chart according to a kind of resource compensation process shown in an exemplary embodiment.
Fig. 3 is the flow chart according to a kind of resource compensation process shown in an exemplary embodiment.
Fig. 4 is the flow chart according to a kind of resource compensation process shown in an exemplary embodiment.
Fig. 5 is the flow chart according to a kind of resource compensation process shown in an exemplary embodiment.
Fig. 6 is the flow chart according to a kind of resource compensation process shown in an exemplary embodiment.
Fig. 7 is according to a kind of resource supplementary device block diagram shown in an exemplary embodiment.
Fig. 8 is according to a kind of resource supplementary device block diagram shown in an exemplary embodiment.
Fig. 9 is the block diagram according to a kind of resource supplementary device 900 shown in an exemplary embodiment.
Figure 10 is the block diagram according to a kind of resource supplementary device 1000 shown in an exemplary embodiment.
Specific embodiment
To make the purpose, technical scheme and advantage of the disclosure clearer, below in conjunction with attached drawing to disclosure embodiment party
Formula is described in further detail.
Here exemplary embodiment will be illustrated in detail, example is illustrated in the accompanying drawings.Following description is related to
During attached drawing, unless otherwise indicated, the same numbers in different attached drawings represent the same or similar element.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with the disclosure.On the contrary, they be only with it is such as appended
The example of the consistent apparatus and method of some aspects be described in detail in claims, the disclosure.
Fig. 1 is according to a kind of flow chart of resource compensation process shown in an exemplary embodiment, as shown in Figure 1, resource
Compensation process is used in terminal, is comprised the following steps.
In a step 101, when the surplus resources of virtual card in embedded security chip meet preset condition, finger is passed through
Determine server to send on behalf of charging request to payment server, should be used to indicate to the virtual card supplement and refer on behalf of charging request
Determine resource, the given server passes through between the Issuer server of the virtual card and the payment server
Interaction is supplemented with money.
In a step 102, when receive the given server on behalf of successful recharging voucher when, to the specified services
Device sends charging request, and the charging request supplements instruction with money for obtaining, described to supplement instruction with money and be used to indicate in the virtual card
Increase the specified resource on the basis of the surplus resources of piece.
In step 103, receive and supplement instruction with money, supplementing this with money instruction is sent to the embedded security chip, this supplements finger with money
Order is sent by the given server after the charging request is verified, this is supplemented instruction with money and is used to indicate in the surplus of the virtual card
Increase this on the basis of remaining resource and specify resource.
It should be noted that Signal Transparent Transmission Technology may be employed when carrying out and supplementing instruction transmission with money in terminal, it is not right to that is to say
Supplement instruction with money and carry out any processing, be sent directly to embedded security chip, can also by the way of field is extracted, for example,
Preset field is extracted from the instruction received as instruction is supplemented with money, the embodiment of the present disclosure is not specifically limited this.
At step 104, write this to the embedded security chip virtual card and supplement instruction with money.
In a kind of possible realization method, this writes this to the embedded security chip virtual card and supplements instruction bag with money
It includes：
When writing any one part for supplementing instruction with money or specified portions generation time-out to the virtual card, automatically initiate
Process is retried to what the virtual card re-write that this supplements instruction with money, supplements that instruction writes successfully or number of retries reaches with money until described
Stop during to preset times.
Wherein, when supplementing any portion write-in time-out of instruction with money, it is considered that write-in is unsuccessful, then carry out retrying
Journey, certainly, some critical fielies can be included by supplementing instruction with money, then works as specified portions, such as during some critical fielies write-in time-out,
It is considered that write-in is unsuccessful, then carry out retrying process, the embodiment of the present disclosure does not limit this.
In addition, the stopping opportunity retrying can just be stopped until writing successfully or when number of retries reaches preset times
It only retries, the disclosure using which kind of stopping mechanism to not limited specifically.
In a kind of possible realization method, this method further includes：
When number of retries be more than predetermined threshold value, by the given server to the payment server send refund request, should
Refund request is used to indicate the payment server and resource is specified to return to the account of the terminal this.
In a kind of possible realization method, this method further includes：
It is interacted by the given server and the payment server, the virtual card and the account of the terminal is tied up
It is fixed.
The alternative embodiment that any combination forms the disclosure may be employed, herein no longer in above-mentioned all optional technical solutions
It repeats one by one.
Fig. 2 is the flow chart according to a kind of resource compensation process shown in an exemplary embodiment.This method can be applied
In given server, this method includes：
In step 201, receive terminal on behalf of charging request, the void to the terminal should be used to indicate on behalf of charging request
Intend card supplement and specify resource；
In step 202, by being handed between the Issuer server and payment server of the virtual card
Mutually, complete to specify this payment of resource, sent to the terminal on behalf of successful recharging voucher；
In step 203, when receiving the charging request of the terminal, instruction is supplemented with money to terminal transmission, this supplements finger with money
Order is used to indicate supplements the specified resource in the virtual card.
In a kind of possible realization method, this method further includes：
The refund request of the terminal is received, which is sent to the payment server, which is used to refer to
Show that this is specified resource to return to the account of the terminal by the payment server.
In a kind of possible realization method, this method further includes：
Receive for the first time the terminal on behalf of charging request when, by being interacted with the payment server, by this
Virtual card and the account of the terminal are bound.
The alternative embodiment that any combination forms the disclosure may be employed, herein no longer in above-mentioned all optional technical solutions
It repeats one by one.
In this embodiment, the interaction being mainly concerned between terminal, given server and payment server,
In, terminal can refer to that carrying currently needs to carry out the terminal of the virtual card of resource supplement, and eSE can be integrated in the terminal
Chip, for storing the card image of virtual card, such as card balance etc., certainly, the eSE chips can be also used for storing it
The higher information of his security requirement, such as user authentication information etc., in order to provide the reading and writing data compared with high safety guarantee.
Given server is then to provide the server of service for the Secure Transaction of the terminal.The given server can be responsible for
A variety of safe transaction services are carried out for terminal, are handed between request that given server can be based on terminal and other servers
Mutually, so as to which replacement terminal carries out the activity such as payment.For example, given server can be with the card sending mechanism service of virtual card
Device interact, so as to receive terminal on behalf of charging request when, based on the hair fastener carried out on behalf of charging request to virtual card
The process that the account of mechanism is supplemented with money, and after the completion of supplementing with money generation can be provided for the server of the card sending mechanism of virtual card
For successful recharging voucher, so that the server of the card sending mechanism of virtual card is capable of providing and supplements instruction with money accordingly, thus
Terminal is enabled to supplement the write-in that is instructed after instruction with money getting, to realize the mesh for carrying out resource supplement to virtual card
, in actual scene, resource supplement process can be applied under the scene actively supplemented with money to virtual mass transit card.
Payment server can be then the server of financial institution, for example, bank server or some have payment work(
Server that the mechanism of energy provides etc..It can be communicated between terminal and payment server and given server by network,
To realize data interaction.
In order to realize the automatic purpose for carrying out resource supplement, it is necessary to which specifically resource will be deducted in which account in advance
Etc. matters decide, therefore, can be by the interaction of terminal and payment server, by the virtual card and destiny account of terminal
Binding, the destiny account refer to the account that user opens an account in the mechanism corresponding to payment server, can be Bank Account Number, consumption
Account etc..Referring to Fig. 3, which can include：
In step 301, terminal is sent to given server on behalf of charging request, should be used to indicate on behalf of charging request to
The virtual card supplement of terminal specifies resource.
It should be noted that the information of the virtual card is stored in eSE chips, and can should be on behalf of charging request
Surplus resources trigger when meeting preset condition, this, which meets preset condition, can refer to that the surplus resources of virtual card are less than default threshold
Value, the predetermined threshold value can voluntarily be set by user, this can not also be limited by terminal default setting, the embodiment of the present disclosure
It is fixed.
In the embodiments of the present disclosure, given client end can be installed, given client end is and given server in terminal
Corresponding client provides background service by the given server.When the terminal by given client end for the first time send on behalf of
During charging request, therefore the also unbound any account of the virtual card, can carry out void by the interaction with payment server
Intend the binding between card and account, consequently facilitating subsequently carrying out automatic resource supplement based on the binding relationship.User exists
During using given client end, the means of payment can be selected at given client end, may thereby determine which it pay with
It is interacted between server.
Wherein, the information of virtual card, such as card mark, card number etc. should can be carried on behalf of charging request, with
Just virtual card is identified.For the guarantee of further safety, the information of the virtual card can be by encrypted
Post processing is decrypted by given server in information after the information of the virtual card is received, can also be by given server
It does not process, and is destined to payment server and carries out corresponding decryption post processing, intercepted and captured to avoid someone or malice is distorted.When
So, the relevant information of terminal, such as terminal iidentification etc., by terminal and virtual card should can also be carried on behalf of charging request
Realize binding.
In step 302, when given server receives this on behalf of charging request, the given server is by this on behalf of filling
Value request is sent to payment server.
It, can be with the binding procedure of triggering following when given server receives this on behalf of charging request for the first time.It is optional
Ground, the interaction logic for being configured with and supplementing with money on the given server between server, for example, the given server can be configured with
Supplement the corresponding target account of server with money so that can be the generation by given server in follow-up automatic progress resource supplement
The target of resource transfers is determined for charging request.
It should be noted that the given server can be to verifying, so as to verify this on behalf of filling on behalf of charging request
It is worth the legitimacy of request, when being verified, just performs the step of this is sent to payment server on behalf of charging request.Its
In, which can be the verification to terminal user identity, for example, the verification can be on behalf of entrained by charging request
User account and password are verified, are really the registration of given server so as to verify that the request is carried out on behalf of the user supplemented with money
User, and have permission and use and should be serviced on behalf of supplementing with money.
In step 303, when which receives this on behalf of charging request, by given server acquisition treat with
The account information of the destiny account of virtual card binding.
This can carry the card mark for the virtual card of unique mark on behalf of charging request, and card mark can be
Card number etc..Payment server can send account information input instruction to given server, when given server receives
During account information input instruction, account information input instruction can be sent to terminal, given client end is passed through by terminal
Account information input frame is shown, when terminal gets account information (such as account by the account information input frame at given client end
Title and account password) when, account information is sent to payment server by given server again, so that payment clothes
Business device gets the account information treated with the destiny account of virtual card binding.
In step 304, when the payment server receives the account information of the destiny account and is verified, by this
Virtual card and the destiny account are bound.
Payment server can verify account information, when being verified, then by virtual card and destiny account
It is bound, so that receiving the processing request on the virtual card, such as during on behalf of charging request, can be based on
Above-mentioned binding relationship, to determine to need the destiny account for carrying out numerical value transfer.Certainly, numerical value transfer includes but not limited to deduct
Resource, supplemental resources etc..
It should be noted that during being bound, given server can the first not hair fastener with the virtual card
Authority server interacts, but above-mentioned binding procedure is carried out between elder generation and payment server, then is specified based on what is bound
Account carries out the interaction between Issuer server, so as to completing that the payment of resource is specified to this.
After binding procedure of the above-mentioned steps 301 to step 304 has been carried out, then terminal can based on binding account come into
The process of the subsequent automatic resource supplement of row referring to Fig. 4, is described in detail resource supplement process:
In step 401, when the surplus resources of virtual card in embedded security chip meet preset condition, terminal is led to
It crosses given client end to send on behalf of charging request to given server, should be used to indicate to the virtual card and mend on behalf of charging request
Fill specified resource.
In step 402, when the given server is received on behalf of charging request, this is sent on behalf of charging request
Payment server.
In another realization method, after step 401 is performed, which is receiving on behalf of charging request
When, the account of card sending mechanism can be added on behalf of charging request, so that it is determined that being somebody's turn to do the target account on behalf of charging request, together
When, given server can also will be also sent to Issuer server on behalf of charging request so that Issuer server energy
Enough know this transaction.
Certainly, which may also mean that Issuer server will be sent on behalf of charging request by determining server, by sending out
This is directed to the process of payment server by mechanism for card server on behalf of charging request, via resetting for Issuer server
To can then save the interaction in step 401 and 402 between given server and payment server, can reduce refer to accordingly
Determine the processing pressure of server.
In step 403, when payment server receives this on behalf of charging request, to being tested on behalf of charging request
Card when being verified, pays from the destiny account bound in the virtual card and specifies resource.
The payment server can be safety verification to the verification on behalf of charging request, such as verify on behalf of charging request
On behalf of permission of given server of charging request etc., the embodiment of the present disclosure does not limit this specifically for information security and transmission
It is fixed.
In the embodiments of the present disclosure, when payment server receives this on behalf of charging request, can be looked into from database
The account bound on behalf of the information of virtual card in charging request is ask, destiny account is retrieved as, and compared on behalf of supplementing with money
The surplus resources quantity in corresponding specified resource quantity and destiny account is asked, if the surplus resources quantity in destiny account
More than the quantity of specified resource, then it can be paid from the destiny account bound in the virtual card and specify resource.
In step 404, when pay complete when, the payment server to given server send on behalf of successful recharging with
Card.
For payment server, which can also send to Issuer server should be on behalf of supplementing with money into
Work(voucher so that Issuer server can know payment success, and supplements instruction with money to given server transmission.
In step 405, this is sent to the given client end of the terminal by given server on behalf of successful recharging voucher.
In order to enable terminal knows that payment has succeeded, which can will be sent to end on behalf of successful recharging voucher
End.Certainly, in another realization method, which, can also should after receiving on behalf of successful recharging voucher
Issuer server is sent on behalf of successful recharging voucher, Issuer server is receiving this on behalf of successful recharging voucher
When, supplement instruction with money to given server transmission.
In a step 406, the terminal by given client end when receiving this on behalf of successful recharging voucher, to this on behalf of
Successful recharging voucher is verified, when being verified, charging request is sent to given server by the given client end.
The charging request can carry virtual card image and/or end message etc., to verify terminal and/or virtual card
The identity of piece, so as to ensure the security of whole flow process.Certainly, which can also carry on behalf of successful recharging voucher,
To inform given server, it has completed to supplement with money, can provide and supplement instruction with money.
In order to avoid some malicious datas such as distort at the safety issues, terminal by given client termination receive this on behalf of
During successful recharging voucher, message can also be verified, such as carry out key authentication, informed source verification etc., the disclosure is real
Example is applied to be not construed as limiting this.And when being verified, it just may proceed to perform the process for supplementing instruction with money from given server acquisition.
In step 407, when given server receives charging request and the when of being verified, instruction will be supplemented with money and be sent to
The given client end of terminal, this, which is supplemented instruction with money and is used to indicate on the basis of the surplus resources of the virtual card, increases the specified money
Source.
It, can be to the virtual card image and/or terminal in charging request when given server receives charging request
Information is verified, to determine terminal identity, so that it is determined that the legitimacy of charging request.Certainly, given server can also be right
Successful recharging voucher is verified, to ensure the legitimacy of the charging request of terminal.
It should be noted that it can be provided by Issuer server or by card sender that this, which supplements instruction with money,
Between structure server and given server determine logic generation, for example, Issuer server when paying successfully to finger
Determine server transmission confirmation and supplement message with money, and given server can be based on local match somebody with somebody after receiving the confirmation and supplementing message with money
That puts supplements logic with money, and instruction is supplemented in generation with money, so as to virtual card supplement with money the ablation process of instruction.
In a step 408, after terminal receives this by given client termination supplements instruction with money, supplement this with money instruction and be pass-through to
In the eSE chips of terminal.
For assuring data security, this, which supplements instruction with money, to pass through calling interface after the reception of designated client
Mode is pass-through in eSE chips.
In step 409, the eSE chips of terminal supplement instruction with money in response to this, and writing this to the virtual card supplements instruction with money.
When eSE chips, which receive this, supplements instruction with money, this can be write into the information of virtual card and supplements instruction with money, is being filled
After the completion of value instruction write-in, the information of virtual card can then show as the resource after supplementing with money in the eSE chips, for example, former surplus
Remaining resource is 10 yuan, and after being write, surplus resources are 50 yuan.It should be noted that in actual scene, clothes are specified
Supplementing instruction with money and can be made of multiple sub-instructions transmitted by business device, that is to say, given server can be to the eSE cores of the terminal
Piece sends repeatedly instruction, can send the part for supplementing instruction with money every time, and eSE chips are when receiving instruction every time,
Ablation process can be executed instruction, until all sub-instructions write completion, just completes the process that instruction is supplemented in write-in with money so that empty
Intending the surplus resources of card increases the quantity after supplementing with money.
In step 410, when writing successfully, write-in success message is sent to the finger of terminal by the eSE chips of the terminal
Determine client, the write-in success message is sent to given server by the given client end.
By the process of above-mentioned steps 401 to 410, terminal automatic value-charging process can be realized, in this process, specify clothes
Being engaged in device and the interaction between payment server and Issuer server can be there are many different realization method, and the disclosure is real
Used mode when it is embodied in example is applied to be not construed as limiting.
During resource supplement is carried out automatically, multiple terminal and given server are may relate to after the completion of payment
Between interaction.For example, the scene of sub-instructions is sent to terminal several times for given server, since communication link is unstable
Etc. reasons, may cause write-in fail, therefore, the embodiment of the present disclosure provides the mechanism retried automatically, embedding to this referring to Fig. 5
Enter the formula safety chip virtual card to write during this supplements instruction with money, if any one part for supplementing instruction with money occur it is super
Constantly, automatically initiate to what the virtual card re-write that this supplements instruction with money and retry process, write successfully until this supplements instruction with money
When until.The process re-write can include asking to Issuer server again by given server, to obtain
It supplements instruction with money and supplements the ablation process of instruction with money.Certainly, which can also only include supplementing writing for instruction with money
Enter process.Optionally, this, which supplements instruction with money, can also have entry-into-force time section, if given server determines during retrying
Through get supplement with money instruction not its entry-into-force time section in, then need from given server again to card sending mechanism service
Device is asked, and to obtain supplementing with money instruction, and is sent to terminal and is write, if given server supplementing with money of determining to have got
Instruction need not then carry out supplementing with money the reacquisition of instruction, but directly carry out ablation process in its entry-into-force time section.
And in actual scene, automatic retry mechanism not always succeeds in some cases.When Issuer server not
Situations such as can using, how may retry it and supplement with money can not succeed, and therefore, can set limit of the predetermined threshold value as number of retries
Referring to Fig. 6, when number of retries is more than predetermined threshold value, refund request is sent by the given server to the payment server for system,
The refund request is used to indicate the payment server and resource is specified to return to the account of the terminal this.
Fig. 7 is according to a kind of resource supplementary device block diagram shown in an exemplary embodiment.With reference to Fig. 7, which includes：
Sending module 701, for when the surplus resources of virtual card in embedded security chip meet preset condition, leading to
It crosses given server to send on behalf of charging request to payment server, should be used to indicate to the virtual card and mend on behalf of charging request
Fill specified resource；
The sending module 701, be additionally operable to when receive the given server on behalf of successful recharging voucher when, to this specify
Server send charging request, the given server by between the Issuer server of the virtual card by interact into
Row is supplemented with money；
Receiving module 702 supplements instruction with money for receiving this, and supplementing this with money instruction is sent to the embedded security chip, should
It supplements instruction with money to be sent after the charging request is verified by the given server, this is supplemented instruction with money and is used to indicate in the virtual card
Increase this on the basis of the surplus resources of piece and specify resource；
Writing module 703 supplements instruction with money for writing this to the embedded security chip virtual card.
In a kind of possible realization method, which is used to write any for supplementing instruction with money to the virtual card
A part occurs time-out or when time-out occurs for specified portions, automatically initiates to re-write to the virtual card and described supplements instruction with money
Retry process, supplement that instruction writes successfully or when number of retries reaches preset times stops with money until described.
In a kind of possible realization method, which is additionally operable to, when writing unsuccessful, pass through the given server
Refund request is sent to the payment server, which is used to indicate the payment server and resource is specified to return to this this
The account of terminal.
In a kind of possible realization method, which further includes：Binding module, for passing through the given server and the branch
Pay server interacts, and the account of the virtual card and the terminal is bound.
Fig. 8 is according to a kind of resource supplementary device block diagram shown in an exemplary embodiment.With reference to Fig. 8, which includes：
Receiving module 801, for receive terminal on behalf of charging request, should be used to indicate on behalf of charging request to the terminal
Virtual card supplement specify resource；
Payment module 802, between the Issuer server and payment server by the virtual card into
Row interaction, completes to specify this payment of resource, is sent to the terminal on behalf of successful recharging voucher；
Sending module 803, for when receiving the charging request of the terminal, supplementing instruction with money to terminal transmission, this is filled
Value instruction is used to indicate supplements the specified resource in the virtual card.
In a kind of possible realization method, which is additionally operable to receive the refund request of the terminal, please by the reimbursement
It asks and is sent to the payment server, which is used to indicate the payment server and resource is specified to return to the terminal this
Account.
In a kind of possible realization method, the interactive module be additionally operable to receive for the first time the terminal on behalf of supplement with money please
When asking, by being interacted with the payment server, the account of the virtual card and the terminal is bound.
On the device in above-described embodiment, wherein modules perform the concrete mode of operation in related this method
Embodiment in be described in detail, explanation will be not set forth in detail herein.
Fig. 9 is the block diagram according to a kind of resource supplementary device 900 shown in an exemplary embodiment.For example, device 900 can
To be mobile phone, computer, digital broadcast terminal, messaging devices, game console, tablet device, Medical Devices are good for
Body equipment, personal digital assistant etc..
With reference to Fig. 9, device 900 can include following one or more assemblies：Processing component 902, memory 904, power supply
Component 906, multimedia component 908, audio component 910, the interface 912 of input/output (I/O), sensor module 914 and
Communication component 916.
The integrated operation of 902 usual control device 900 of processing component, such as with display, call, data communication, phase
Machine operates and record operates associated operation.Processing component 902 can refer to including one or more processors 920 to perform
Order, to perform all or part of the steps of the methods described above.In addition, processing component 902 can include one or more modules, just
Interaction between processing component 902 and other assemblies.For example, processing component 902 can include multi-media module, it is more to facilitate
Interaction between media component 908 and processing component 902.
Memory 904 is configured as storing various types of data to support the operation in device 900.These data are shown
Example is included for the instruction of any application program or method that are operated on device 900, contact data, and telephone book data disappears
Breath, picture, video etc..Memory 904 can be by any kind of volatibility or non-volatile memory device or their group
It closes and realizes, such as static RAM (SRAM), electrically erasable programmable read-only memory (EEPROM) is erasable to compile
Journey read-only memory (EPROM), programmable read only memory (PROM), read-only memory (ROM), magnetic memory, flash
Device, disk or CD.
Power supply module 906 provides electric power for the various assemblies of device 900.Power supply module 906 can include power management system
System, one or more power supplys and other generate, manage and distribute electric power associated component with for device 900.
Multimedia component 908 is included in the screen of one output interface of offer between described device 900 and user.One
In a little embodiments, screen can include liquid crystal display (LCD) and touch panel (TP).If screen includes touch panel, screen
Curtain may be implemented as touch-screen, to receive input signal from the user.Touch panel includes one or more touch sensings
Device is to sense the gesture on touch, slide, and touch panel.The touch sensor can not only sense touch or sliding action
Border, but also detect duration and pressure associated with the touch or slide operation.In some embodiments, more matchmakers
Body component 908 includes a front camera and/or rear camera.When device 900 is in operation mode, such as screening-mode or
During video mode, front camera and/or rear camera can receive external multi-medium data.Each front camera and
Rear camera can be a fixed optical lens system or have focusing and optical zoom capabilities.
Audio component 910 is configured as output and/or input audio signal.For example, audio component 910 includes a Mike
Wind (MIC), when device 900 is in operation mode, during such as call model, logging mode and speech recognition mode, microphone by with
It is set to reception external audio signal.The received audio signal can be further stored in memory 904 or via communication set
Part 916 is sent.In some embodiments, audio component 910 further includes a loud speaker, for exports audio signal.
I/O interfaces 912 provide interface between processing component 902 and peripheral interface module, and above-mentioned peripheral interface module can
To be keyboard, click wheel, button etc..These buttons may include but be not limited to：Home button, volume button, start button and lock
Determine button.
Sensor module 914 includes one or more sensors, and the state for providing various aspects for device 900 is commented
Estimate.For example, sensor module 914 can detect opening/closed state of equipment 900, and the relative positioning of component, for example, it is described
Component is the display and keypad of device 900, and sensor module 914 can be with 900 1 components of detection device 900 or device
Position change, the existence or non-existence that user contacts with device 900,900 orientation of device or acceleration/deceleration and device 900
Temperature change.Sensor module 914 can include proximity sensor, be configured to detect without any physical contact
Presence of nearby objects.Sensor module 914 can also include optical sensor, such as CMOS or ccd image sensor, for into
As being used in application.In some embodiments, which can also include acceleration transducer, gyro sensors
Device, Magnetic Sensor, pressure sensor or temperature sensor.
Communication component 916 is configured to facilitate the communication of wired or wireless way between device 900 and other equipment.Device
900 can access the wireless network based on communication standard, such as WiFi, 2G or 3G or combination thereof.In an exemplary implementation
In example, communication component 916 receives broadcast singal or broadcast related information from external broadcasting management system via broadcast channel.
In one exemplary embodiment, the communication component 916 further includes near-field communication (NFC) module, to promote short range communication.Example
Such as, NFC module can be based on radio frequency identification (RFID) technology, Infrared Data Association (IrDA) technology, ultra wide band (UWB) technology,
Bluetooth (BT) technology and other technologies are realized.
In the exemplary embodiment, device 900 can be believed by one or more application application-specific integrated circuit (ASIC), number
Number processor (DSP), digital signal processing appts (DSPD), programmable logic device (PLD), field programmable gate array
(FPGA), controller, microcontroller, microprocessor or other electronic components are realized, for performing the above method.
In the exemplary embodiment, a kind of non-transitorycomputer readable storage medium including instructing, example are additionally provided
Such as include the memory 904 of instruction, above-metioned instruction can be performed to complete the above method by the processor 920 of device 900.For example,
The non-transitorycomputer readable storage medium can be ROM, random access memory (RAM), CD-ROM, tape, floppy disk
With optical data storage devices etc..
In the exemplary embodiment, a kind of computer readable storage medium is additionally provided, the finger in the storage medium
When order is performed by the processor of terminal, terminal is enabled to perform a kind of such as above-mentioned Fig. 1 any resource compensation processes into Fig. 6
The step of.
Figure 10 is the block diagram according to a kind of resource supplementary device 1000 shown in an exemplary embodiment.For example, device
1000 may be provided as a server.With reference to Figure 10, device 1000 includes processing component 1022, further comprise one or
Multiple processors and as the memory resource representated by memory 1032, can be by the execution of processing component 1022 for storing
Instruction, such as application program.The application program stored in memory 1032 can include it is one or more each
Corresponding to the module of one group of instruction.In addition, processing component 1022 is configured as executing instruction, to perform the above method.Device
1000 can also include the power management that a power supply module 1026 is configured as executive device 1000, a wired or wireless net
Network interface 1050 is configured as device 1000 being connected to network and input and output (I/O) interface 1058.Device 1000 can
To operate based on the operating system for being stored in memory 1032, such as Windows ServerTM, Mac OS XTM, UnixTM,
LinuxTM, FreeBSDTM or similar.
Those skilled in the art will readily occur to the disclosure its after considering specification and putting into practice invention disclosed herein
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the disclosure, these modifications, purposes or
Person's adaptive change follows the general principle of the disclosure and including the undocumented common knowledge in the art of the disclosure
Or conventional techniques.Description and embodiments are considered only as illustratively, and the true scope and spirit of the disclosure are by following
Claim is pointed out.
It should be appreciated that the present disclosure is not limited to the precise structures that have been described above and shown in the drawings, and
And various modifications and changes may be made without departing from the scope thereof.The scope of the present disclosure is only limited by appended claim.
Claims (13)
1. a kind of resource compensation process, which is characterized in that applied to terminal, the described method includes：
When the surplus resources of virtual card in embedded security chip meet preset condition, sent to given server on behalf of filling
Value request, described be used to indicate on behalf of charging request to the virtual card supplement specify resource, and the given server passes through
Interaction between the Issuer server of the virtual card and the payment server is supplemented with money；
When receive the given server on behalf of successful recharging voucher when, to the given server send charging request,
The charging request supplements instruction with money for obtaining, described to supplement the base for instructing and being used to indicate in the surplus resources of the virtual card with money
Increase the specified resource on plinth；
It supplements instruction described in reception with money, supplements instruction with money by described and be sent to the embedded security chip, it is described to supplement instruction with money by institute
Given server is stated to send after the charging request is verified；
Instruction is supplemented with money to described in the virtual card write-in of the embedded security chip.
It is 2. according to the method described in claim 1, it is characterized in that, described to virtual card described in the embedded security chip
Supplementing instruction described in write-in with money includes：
To when supplementing any one part of instruction or specified portions generation time-out with money described in the virtual card write-in, automatically initiate
To the virtual card re-write it is described supplement instruction with money retry process, until it is described supplement with money instruction write successfully or retries it is secondary
Number stops when reaching preset times.
3. according to the method described in claim 1, it is characterized in that, the method further includes：
When writing unsuccessful, refund request is sent to the payment server by the given server, the reimbursement please
It asks and is used to indicate the payment server and returns the specified resource to the account of the terminal.
4. according to the method described in claim 1, it is characterized in that, the method further includes：
It is interacted by the given server and the payment server, by the virtual card and the account of the terminal
Binding.
5. a kind of resource supplementary device, which is characterized in that applied to terminal, described device includes：
Sending module, for when the surplus resources of virtual card in embedded security chip meet preset condition, by specifying
Server is sent to payment server on behalf of charging request, and described be used to indicate on behalf of charging request to the virtual card is supplemented
Specify resource；
The sending module, be additionally operable to when receive the given server on behalf of successful recharging voucher when, to it is described specify
Server sends charging request, and the given server passes through friendship between the Issuer server by the virtual card
Mutually supplemented with money；
Receiving module, for receive it is described supplement instruction with money, supplement instruction with money by described and be sent to the embedded security chip, it is described
Instruction is supplemented with money to be sent after the charging request is verified by the given server, it is described to supplement instruction with money and be used to indicate in institute
Stating increases the specified resource on the basis of the surplus resources of virtual card；
Writing module, for supplementing instruction with money to described in virtual card write-in described in the embedded security chip.
6. device according to claim 5, which is characterized in that the receiving module is used to write to the virtual card
When time-out occurs for described any one part for supplementing instruction with money or specified portions, automatically initiate to the virtual card and re-write institute
State supplement instruction with money retry process, supplement that instruction writes successfully or when number of retries reaches preset times stops with money until described.
7. device according to claim 6, which is characterized in that the sending module is additionally operable to, when writing unsuccessful, lead to
It crosses the given server and sends refund request to the payment server, the refund request is used to indicate the payment services
Device returns the specified resource to the account of the terminal.
8. device according to claim 5, which is characterized in that described device further includes：Binding module, it is described for passing through
Given server is interacted with the payment server, and the account of the virtual card and the terminal is bound.
9. a kind of resource compensation process, which is characterized in that applied to given server, the described method includes：
Receive terminal on behalf of charging request, described be used to indicate on behalf of charging request to the virtual card supplement of the terminal refers to
Determine resource；
It interacts, is completed to the finger between Issuer server and payment server by the virtual card
Determine the payment of resource, sent to the terminal on behalf of successful recharging voucher；
When receiving the charging request of the terminal, instruction is supplemented with money to terminal transmission, it is described to supplement instruction with money and be used to indicate
The specified resource is supplemented in the virtual card.
10. according to the method described in claim 9, it is characterized in that, the method further includes：
The refund request of the terminal is received, the refund request is sent to the payment server, the refund request is used
The specified resource is returned to the account of the terminal in the instruction payment server.
11. according to the method described in claim 9, it is characterized in that, the method further includes：
Receive for the first time the terminal on behalf of charging request when, by being interacted with the payment server, by institute
It states virtual card and the account of the terminal is bound.
12. a kind of resource supplementary device, which is characterized in that including：
Processor；
For storing the memory for the instruction that processor can perform；
Wherein, the processor is configured as：
When the surplus resources of virtual card in embedded security chip meet preset condition, taken by given server to payment
Device transmission be engaged on behalf of charging request, described be used to indicate on behalf of charging request to the virtual card supplement specifies resource, described
Given server between the Issuer server of the virtual card by interacting by being supplemented with money；
When receive the given server on behalf of successful recharging voucher when, to the given server send charging request；
It supplements instruction described in reception with money, supplements instruction with money by described and be sent to the embedded security chip, it is described to supplement instruction with money by institute
Given server is stated to send after the charging request is verified, it is described supplement with money instruction be used to indicate in the virtual card
Increase the specified resource on the basis of surplus resources；
Instruction is supplemented with money to described in virtual card write-in described in the embedded security chip.
13. a kind of resource supplementary device, which is characterized in that including：
Processor；
For storing the memory for the instruction that processor can perform；
Wherein, the processor is configured as：
Receive terminal on behalf of charging request, described be used to indicate on behalf of charging request to the virtual card supplement of the terminal refers to
Determine resource；
It interacts, is completed to the finger between Issuer server and payment server by the virtual card
Determine the payment of resource, sent to the terminal on behalf of successful recharging voucher；
When receiving the charging request of the terminal, instruction is supplemented with money to terminal transmission, it is described to supplement instruction with money and be used to indicate
The specified resource is supplemented in the virtual card.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711323997.4A CN108074094B (en) | 2017-12-13 | 2017-12-13 | Resource supplementing method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711323997.4A CN108074094B (en) | 2017-12-13 | 2017-12-13 | Resource supplementing method and device |
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| Publication Number | Publication Date |
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| CN108074094A true CN108074094A (en) | 2018-05-25 |
| CN108074094B CN108074094B (en) | 2022-04-15 |
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| CN201711323997.4A Active CN108074094B (en) | 2017-12-13 | 2017-12-13 | Resource supplementing method and device |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2022062573A1 (en) * | 2020-09-23 | 2022-03-31 | 支付宝(杭州)信息技术有限公司 | Resource configuration method, device and system |
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| CN103985040A (en) * | 2014-05-24 | 2014-08-13 | 中国科学院新疆理化技术研究所 | Mobile phone wallet recharging system and operation method thereof |
| CN105631649A (en) * | 2015-12-25 | 2016-06-01 | 深圳市金溢科技股份有限公司 | Method for recharging ETC e-wallet stored-value card and prepositive server therefor |
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| CN1645888A (en) * | 2005-01-31 | 2005-07-27 | 冯庆元 | Device and method for paying and pre-paying telephone rate by virtual card |
| CN103985040A (en) * | 2014-05-24 | 2014-08-13 | 中国科学院新疆理化技术研究所 | Mobile phone wallet recharging system and operation method thereof |
| CN105631649A (en) * | 2015-12-25 | 2016-06-01 | 深圳市金溢科技股份有限公司 | Method for recharging ETC e-wallet stored-value card and prepositive server therefor |
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