CN109359970A - A kind of smart card management method, device and terminal device - Google Patents
A kind of smart card management method, device and terminal device Download PDFInfo
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- CN109359970A CN109359970A CN201811112416.7A CN201811112416A CN109359970A CN 109359970 A CN109359970 A CN 109359970A CN 201811112416 A CN201811112416 A CN 201811112416A CN 109359970 A CN109359970 A CN 109359970A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/349—Rechargeable cards
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Abstract
The application is suitable for software application technology field, provide a kind of smart card management method, device and terminal device, the described method includes: receiving payment request, smart card number, merchant number and the amount of money to be paid that card-reading terminal is sent, the smart card number reads smart card by the card-reading terminal and obtains；The amount of money to be paid is paid in the independent electronic wallet corresponding with the merchant number for numbering corresponding smart card account from the smart card according to the payment request to the corresponding Merchant Account of the merchant number.The problem of the application, which can solve, to be difficult to extend independent wallet in existing all-purpose card service, and while inquiring the data of smart card queries the balance, and can not be learnt specific consumption place and spending amount, be consumed the process very complicated of accounting.
Description
Technical field
The application belongs to software application technology field more particularly to a kind of smart card management method, device and terminal device.
Background technique
With the development of smart card, many enterprises are proposed all-purpose card service, and employee can be used same sheet smart card and exist
It is consumed with each consumption place of business tie-up, greatly facilitates the current consumption of employee.
In current all-purpose card service, usually only public wallet in smart card, independence not corresponding with each businessman
Wallet, therefore can only uniformly be supplemented with money by company, reimbursement and move back the administration behaviours such as card, then carried out by company and businessman
Reconciliation.Meanwhile because company can only inquire the remaining sum of public wallet in smart card, intelligent fixture body can not be learnt at which
Consumption place carries out consumption and the amount of money of the secondary consumption, therefore the process very complicated with businessman's reconciliation.
In this regard, the memory space in smart card is divided into multiple card sectors by Some Enterprises, reach sheet smart card extension
The purpose of multiple independent wallets, but this mode is realized in the physical layer of smart card, the storage of smart card is empty
Between the card sector that can divide it is limited, be difficult to divide sufficient amount of card sector when businessman's quantity is more.And smart card is drawn
After point multiple card sectors, card reader needs to read the information of each card sector using polling mechanism, polling mechanism reading and
Speed is slower when write-in two and more than two card sectors, and the person of swiping the card is needed to stop longer time in the induction zone of card reader,
Otherwise the case where being easy to appear reading writing information failure, influences the usage experience of user.
In conclusion be difficult to extend independent wallet in existing all-purpose card service, and when inquiring the data of smart card only
It can query the balance, can not learn specific consumption place and spending amount, consume the process very complicated of accounting.
Summary of the invention
In view of this, the embodiment of the present application provides a kind of smart card management method, device and terminal device, it is existing to solve
It queries the balance, can not learn specific when being difficult to extend independent wallet in some all-purpose card services, and inquiring the data of smart card
The problem of consuming place and spending amount, consuming the process very complicated of accounting.
The first aspect of the embodiment of the present application provides a kind of smart card management method, comprising:
Receive payment request, smart card number, merchant number and the amount of money to be paid that card-reading terminal is sent, the smart card
Number reads smart card by the card-reading terminal and obtains；
The corresponding with the merchant number of corresponding smart card account is numbered from the smart card according to the payment request
Independent electronic wallet in pay the amount of money to be paid to the corresponding Merchant Account of the merchant number.
The second aspect of the embodiment of the present application provides a kind of smart card managing device, comprising:
Payment request module, for receiving payment request, the smart card number, merchant number and wait prop up of card-reading terminal transmission
The amount of money is paid, the smart card number reads smart card by the card-reading terminal and obtains；
Pay execution module, for according to the payment request from the smart card number corresponding smart card account with
The amount of money to be paid is paid to the corresponding businessman's account of the merchant number in the corresponding independent electronic wallet of the merchant number
Family.
The third aspect of the embodiment of the present application provides a kind of terminal device, including memory, processor and is stored in
In the memory and the computer program that can run on the processor, when the processor executes the computer program
It realizes such as the step of the above method.
The fourth aspect of the embodiment of the present application provides a kind of computer readable storage medium, the computer-readable storage
Media storage has computer program, realizes when the computer program is executed by processor such as the step of the above method.
Existing beneficial effect is the embodiment of the present application compared with prior art:
Smart card number is written in the smart card management method of the application, in smart card, the account information of smart card is deposited
Storage, can be with the quantity of the independent electronic wallet of infinite expanding smart card, when being paid, root on the terminal devices such as server
Delivery operation can be completed on the server according to smart card number, merchant number and the amount of money to be paid, and payment can be bright each time
The really spending amount in record consumption place, calculates convenient for consumption, solves and be difficult to extend independent money in existing all-purpose card service
It queries the balance when wrapping, and inquiring the data of smart card, can not learn specific consumption place and spending amount, consume the mistake of accounting
The problem of journey very complicated
Detailed description of the invention
It in order to more clearly explain the technical solutions in the embodiments of the present application, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only some of the application
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is a kind of implementation process schematic diagram of smart card management method provided by the embodiments of the present application；
Fig. 2 is a kind of schematic diagram of smart card managing device provided by the embodiments of the present application；
Fig. 3 is the schematic diagram of terminal device provided by the embodiments of the present application.
Specific embodiment
In being described below, for illustration and not for limitation, the tool of such as particular system structure, technology etc is proposed
Body details, so as to provide a thorough understanding of the present application embodiment.However, it will be clear to one skilled in the art that there is no these specific
The application also may be implemented in the other embodiments of details.In other situations, it omits to well-known system, device, electricity
The detailed description of road and method, so as not to obscure the description of the present application with unnecessary details.
In order to illustrate technical solution described herein, the following is a description of specific embodiments.
It should be appreciated that ought use in this specification and in the appended claims, term " includes " instruction is described special
Sign, entirety, step, operation, the presence of element and/or component, but be not precluded one or more of the other feature, entirety, step,
Operation, the presence or addition of element, component and/or its set.
It is also understood that mesh of the term used in this present specification merely for the sake of description specific embodiment
And be not intended to limit the application.As present specification and it is used in the attached claims, unless on
Other situations are hereafter clearly indicated, otherwise " one " of singular, "one" and "the" are intended to include plural form.
It will be further appreciated that the term "and/or" used in present specification and the appended claims is
Refer to any combination and all possible combinations of one or more of associated item listed, and including these combinations.
As used in this specification and in the appended claims, term " if " can be according to context quilt
Be construed to " when ... " or " once " or " in response to determination " or " in response to detecting ".Similarly, phrase " if it is determined that " or
" if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to true
It is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".
In the specific implementation, mobile terminal described in the embodiment of the present application is including but not limited to such as with the sensitive table of touch
Mobile phone, laptop computer or the tablet computer in face (for example, touch-screen display and/or touch tablet) etc it is other
Portable device.It is to be further understood that in certain embodiments, above equipment is not portable communication device, but is had
The desktop computer of touch sensitive surface (for example, touch-screen display and/or touch tablet).
In following discussion, the mobile terminal including display and touch sensitive surface is described.However, should manage
Solution, mobile terminal may include that one or more of the other physical User of such as physical keyboard, mouse and/or control-rod connects
Jaws equipment.
Mobile terminal supports various application programs, such as one of the following or multiple: drawing application program, demonstration application
Program, word-processing application, website creation application program, disk imprinting application program, spreadsheet applications, game are answered
With program, telephony application, videoconference application, email application, instant messaging applications, forging
Refining supports application program, photo management application program, digital camera application program, digital camera application program, web-browsing to answer
With program, digital music player application and/or video frequency player application program.
At least one of such as touch sensitive surface can be used in the various application programs that can be executed on mobile terminals
Public physical user-interface device.It can be adjusted among applications and/or in corresponding application programs and/or change touch is quick
Feel the corresponding information shown in the one or more functions and terminal on surface.In this way, terminal public physical structure (for example,
Touch sensitive surface) it can support the various application programs with user interface intuitive and transparent for a user.
Embodiment one:
A kind of smart card management method provided below the embodiment of the present application one is described, and please refers to attached drawing 1, this Shen
Please the smart card management method in embodiment one include:
Step S101, payment request, smart card number, merchant number and the amount of money to be paid that card-reading terminal is sent are received,
The smart card number reads smart card by the card-reading terminal and obtains；
The account information of smart card can not be stored in the smart card of the application, only store the smart card number of smart card,
The smart card number of every sheet smart card does not repeat, for identification the identity of smart card.
When user is consumed using smart card, the smart card in smart card is read by card-reading terminal and is numbered, card reading
Terminal sends payment request, smart card number, merchant number and the amount of money to be paid to server, carries out payment behaviour by server
Make.
Each businessman has unique merchant number, for identification the identity of businessman, and merchant number can be setting and read
Card terminal is also possible to card-reading terminal setting card-reading terminal and numbers, obtains device map by server after upload server, look for
Corresponding merchant number is numbered to card-reading terminal, for example, a dining room can have one or more card-reading terminals, every card reading
Terminal can be provided with different card-reading terminal numbers, these card-reading terminals are numbered to the businessman all with dining room in the server
Number establishes attaching relation.
The account information of smart card can be stored in the form of database table on the server, it is only necessary to which minimum deposits
Store up space can recording smart card account information, almost can be ignored for the memory space of server, thus
Almost realize the infinite expanding of smart card electronic wallet.
Step S102, numbering corresponding smart card account with the businessman from the smart card according to the payment request
It numbers and pays the amount of money to be paid in corresponding independent electronic wallet to the corresponding Merchant Account of the merchant number.
Server can execute delivery operation according to payment request, and the account for obtaining smart card is numbered according to smart card, is looked for
The independent electronic wallet corresponding with merchant number into smart card account, pays the amount of money to be paid to quotient from independent electronic wallet
Family numbers corresponding Merchant Account.
Further, described numbering corresponding smart card account from the smart card according to the payment request with institute
It states and pays the amount of money to be paid in the corresponding independent electronic wallet of merchant number to the corresponding Merchant Account of the merchant number
Later further include:
A1, the wallet balances of pay status information and the independent electronic wallet are returned to the card-reading terminal.
After the completion of payment, in order to which user can know whether to pay successfully, server can return to pay status information
And the wallet balances of independent electronic wallet are shown to card-reading terminal in card-reading terminal.
Pay status information may include: pay successfully, Sorry, your ticket has not enough value and information errors etc., facilitate user to learn payment shape
State.
Further, the method also includes:
B1, independent electronic wallet account opening request, smart card number and merchant number that card-reading terminal is sent are received；
When there is new businessman that all-purpose card service is added, new independent electronic money can be completed in the card-reading terminal of businessman
Packet account-opening, card-reading terminal read smart card smart card number, by independent electronic wallet account opening request, smart card number and
Merchant number is sent to server, carries out account-opening by server.
B2, increase and institute in corresponding smart card account are numbered in the smart card according to the independent wallet account opening request
State the corresponding independent electronic wallet of merchant number.
Server finds smart card account according to smart card number, according to independent wallet account opening request in smart card account
Increase independent electronic wallet corresponding with merchant number.
Further, the method also includes:
C1, charging request, smart card number, merchant number and to recharge amount that card-reading terminal is sent are received；
When user needs to supplement with money toward independent electronic wallet, card-reading terminal reads the smart card number of smart card, will
Charging request, merchant number and is sent to server to recharge amount at smart card number, is carried out supplementing operation with money by server.
C2, supplemented with money from the corresponding Merchant Account of the merchant number according to the charging request it is described to recharge amount to
The smart card numbers the independent electronic wallet corresponding with the merchant number of corresponding smart card account.
Server finds Merchant Account according to merchant number, smart card account is found according to smart card number, from businessman's account
It supplements with money to recharge amount into smart card account in independent electronic wallet corresponding with merchant number at family.
In addition, common electronic wallet can also be arranged in smart card account, the amount of money of common electronic wallet can be any
Businessman is general, when user pays, can independently select that independent electrical is carried out paying or used using common electronic wallet
Sub- wallet is paid, and preferred independent electronic wallet also can be set and paid, when electronic purse balance amount deficiency, use public affairs
Stored value card is paid altogether.
Because the information of common electronic wallet is also stored in server, delivery operation is executed by server, so
It is also required to obtain smart card number, merchant number and the amount of money to be paid, the subsequent branch to public wallet using common electronic wallet
Record is paid when being inquired, the consumption place paid each time and spending amount can be inquired, consumption is convenient for and calculates.
In order to ensure smart card common electronic wallet safety, the card reading of only all-purpose card service provider can be set
Default opens common electronic wallet when terminal just can be carried out the account-opening of common electronic wallet or the initialization of every sheet smart card.
Each businessman can be set when supplementing with money can only will supplement with money to recharge amount into independent electrical corresponding with merchant number
Sub- wallet can not supplement with money into common electronic wallet, and common electronic wallet only has the card-reading terminal of all-purpose card service provider
It can be carried out and supplement operation with money.
In addition, the information that card-reading terminal is sent each time can also include timestamp, to facilitate record, payment is asked each time
It asks, the time that account opening request and charging request occur.
The information communicated between card-reading terminal and server can be encrypted by key, and Key Encryption Technology can select
Two-way Key Encryption Technology is selected, to guarantee the communication security between card-reading terminal and server, even if communication process is ravesdropping, surreptitiously
The information that hearer is not available encryption yet carries out violation operation, improves the safety of communication.
In the smart card management method that the present embodiment one provides, smart card only storage smart card number can be used as smart card
Identity, the account information of smart card is stored on terminal device (such as server), by the extended mode of stored value card
It has been transferred to the software layer of server from card physical layer, has only been needed using the account information of data base table recording smart card minimum
Memory space almost can be ignored for the memory space of server, to almost realize smart card electronic wallet
Infinite expanding.
And common electronic wallet, Yong Huke can also be arranged other than realizing independent electronic wallet in smart card account
It selects to be paid from common electronic wallet or independent electronic wallet according to own situation, user can flexibly match, convenient
The use of user.
After the account information of smart card is stored in server, the operation of opening an account, pay and supplement with money of smart card is required
The information such as solicited message, smart card number and merchant number are sent to server and handled by card-reading terminal, are traded each time
Place and the amount of money all can clearly look into, convenient for the reconciliation of subsequent smart card service provider and each businessman.
It is sent to the information of server for card-reading terminal, can also include timestamp information, what record operated each time
Time, convenient for the verification, inquiry and management of data.
In addition, the cipher modes such as two-way Key Encryption Technology can be used to friendship during card-reading terminal and server communication
Mutual information is encrypted, and to guarantee the safety of communication, avoids causing interactive information to be stolen hearer's malice because communication is ravesdropping
It uses.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present application constitutes any limit
It is fixed.
Embodiment two:
The embodiment of the present application two provides a kind of smart card managing device, for purposes of illustration only, only showing related to the application
Part, as shown in Fig. 2, smart card managing device includes,
Payment request module 201, for receive card-reading terminal transmission payment request, smart card number, merchant number and
The amount of money to be paid, the smart card number read smart card by the card-reading terminal and obtain；
Execution module 202 is paid, for numbering corresponding smart card account from the smart card according to the payment request
Independent electronic wallet corresponding with the merchant number in pay the amount of money to be paid to the corresponding quotient of the merchant number
Family's account.
Further, described device further include:
State return module, for returning to the wallet balances of pay status information and the independent electronic wallet to described
Card-reading terminal.
Further, described device further include:
Account opening request module, for receive card-reading terminal transmission independent electronic wallet account opening request, smart card number and
Merchant number；
It opens an account execution module, for numbering corresponding smart card in the smart card according to the independent wallet account opening request
Increase independent electronic wallet corresponding with the merchant number in account.
Further, described device further include:
Charging request module, for receiving charging request, the smart card number, merchant number and wait fill of card-reading terminal transmission
It is worth the amount of money；
Execution module is supplemented with money, for supplementing institute with money from the corresponding Merchant Account of the merchant number according to the charging request
State the independent electronic money corresponding with the merchant number that corresponding smart card account is numbered to recharge amount to the smart card
Packet.
It should be noted that the contents such as information exchange, implementation procedure between above-mentioned apparatus/unit, due to the application
Embodiment of the method is based on same design, concrete function and bring technical effect, for details, reference can be made to embodiment of the method part, this
Place repeats no more.
Embodiment three:
Fig. 3 is the schematic diagram for the terminal device that the embodiment of the present application three provides.As shown in figure 3, the terminal of the embodiment is set
Standby 3 include: processor 30, memory 31 and are stored in the meter that can be run in the memory 31 and on the processor 30
Calculation machine program 32.The processor 30 is realized when executing the computer program 32 in above-mentioned smart card management method embodiment
Step, such as step S101 to S102 shown in FIG. 1.Alternatively, realization when the processor 30 executes the computer program 32
The function of each module/unit in above-mentioned each Installation practice, such as the function of module 201 to 202 shown in Fig. 2.
Illustratively, the computer program 32 can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory 31, and are executed by the processor 30, to complete the application.Described one
A or multiple module/units can be the series of computation machine program instruction section that can complete specific function, which is used for
Implementation procedure of the computer program 32 in the terminal device 3 is described.For example, the computer program 32 can be divided
It is cut into payment request module and payment execution module, each module concrete function is as follows:
Receive payment request, smart card number, merchant number and the amount of money to be paid that card-reading terminal is sent, the smart card
Number reads smart card by the card-reading terminal and obtains；
The corresponding with the merchant number of corresponding smart card account is numbered from the smart card according to the payment request
Independent electronic wallet in pay the amount of money to be paid to the corresponding Merchant Account of the merchant number.
The terminal device 3 can be the calculating such as desktop PC, notebook, palm PC and cloud server and set
It is standby.The terminal device may include, but be not limited only to, processor 30, memory 31.It will be understood by those skilled in the art that Fig. 3
The only example of terminal device 3 does not constitute the restriction to terminal device 3, may include than illustrating more or fewer portions
Part perhaps combines certain components or different components, such as the terminal device can also include input-output equipment, net
Network access device, bus etc..
Alleged processor 30 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 31 can be the internal storage unit of the terminal device 3, such as the hard disk or interior of terminal device 3
It deposits.The memory 31 is also possible to the External memory equipment of the terminal device 3, such as be equipped on the terminal device 3
Plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card dodge
Deposit card (Flash Card) etc..Further, the memory 31 can also both include the storage inside list of the terminal device 3
Member also includes External memory equipment.The memory 31 is for storing needed for the computer program and the terminal device
Other programs and data.The memory 31 can be also used for temporarily storing the data that has exported or will export.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.Each functional unit in embodiment, module can integrate in one processing unit, can also
To be that each unit physically exists alone, can also be integrated in one unit with two or more units, it is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.In addition, each function list
Member, the specific name of module are also only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Above system
The specific work process of middle unit, module, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodiment
The part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actually
It is implemented in hardware or software, the specific application and design constraint depending on technical solution.Professional technician
Each specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceed
Scope of the present application.
In embodiment provided herein, it should be understood that disclosed device/terminal device and method, it can be with
It realizes by another way.For example, device described above/terminal device embodiment is only schematical, for example, institute
The division of module or unit is stated, only a kind of logical function partition, there may be another division manner in actual implementation, such as
Multiple units or components can be combined or can be integrated into another system, or some features can be ignored or not executed.Separately
A bit, shown or discussed mutual coupling or direct-coupling or communication connection can be through some interfaces, device
Or the INDIRECT COUPLING or communication connection of unit, it can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, each functional unit in each embodiment of the application can integrate in one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated module/unit be realized in the form of SFU software functional unit and as independent product sale or
In use, can store in a computer readable storage medium.Based on this understanding, the application realizes above-mentioned implementation
All or part of the process in example method, can also instruct relevant hardware to complete, the meter by computer program
Calculation machine program can be stored in a computer readable storage medium, the computer program when being executed by processor, it can be achieved that on
The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generation
Code can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium
It may include: any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic that can carry the computer program code
Dish, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory (RAM,
Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that described
The content that computer-readable medium includes can carry out increasing appropriate according to the requirement made laws in jurisdiction with patent practice
Subtract, such as does not include electric carrier signal and electricity according to legislation and patent practice, computer-readable medium in certain jurisdictions
Believe signal.
Embodiment described above is only to illustrate the technical solution of the application, rather than its limitations；Although referring to aforementioned reality
Example is applied the application is described in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope of each embodiment technical solution of the application that it does not separate the essence of the corresponding technical solution should all
Comprising within the scope of protection of this application.
Claims (10)
1. a kind of smart card management method characterized by comprising
Receive payment request, smart card number, merchant number and the amount of money to be paid that card-reading terminal is sent, the smart card number
Smart card is read by the card-reading terminal to obtain；
The corresponding with the merchant number only of corresponding smart card account is numbered from the smart card according to the payment request
The amount of money to be paid is paid to the corresponding Merchant Account of the merchant number in vertical stored value card.
2. smart card management method according to claim 1, which is characterized in that it is described according to the payment request from institute
Stating smart card, to number payment in the independent electronic wallet corresponding with the merchant number of corresponding smart card account described wait prop up
Pay the amount of money to the corresponding Merchant Account of the merchant number after further include:
The wallet balances of pay status information and the independent electronic wallet are returned to the card-reading terminal.
3. smart card management method as described in claim 1, which is characterized in that the method also includes:
Receive independent electronic wallet account opening request, smart card number and merchant number that card-reading terminal is sent；
It is numbered in corresponding smart card account and is increased and the businessman in the smart card according to the independent wallet account opening request
Number corresponding independent electronic wallet.
4. smart card management method as described in claim 1, which is characterized in that the method also includes:
Receive charging request, the smart card number, merchant number and to recharge amount that card-reading terminal is sent；
It is supplemented with money from the corresponding Merchant Account of the merchant number according to the charging request described to recharge amount to the intelligence
The independent electronic wallet corresponding with the merchant number for numbering corresponding smart card account can be blocked.
5. a kind of smart card managing device characterized by comprising
Payment request module, for receiving payment request, smart card number, merchant number and the gold to be paid of card-reading terminal transmission
Volume, the smart card number read smart card by the card-reading terminal and obtain；
Pay execution module, for corresponding smart card account numbered from the smart card according to the payment request with it is described
The amount of money to be paid is paid in the corresponding independent electronic wallet of merchant number to the corresponding Merchant Account of the merchant number.
6. smart card managing device according to claim 5, which is characterized in that described device further include:
State return module, for returning to the wallet balances of pay status information and the independent electronic wallet to the card reading
Terminal.
7. smart card managing device as claimed in claim 5, which is characterized in that described device further include:
Account opening request module, for receiving independent electronic wallet account opening request, smart card number and the businessman of card-reading terminal transmission
Number；
It opens an account execution module, for numbering corresponding smart card account in the smart card according to the independent wallet account opening request
It is middle to increase independent electronic wallet corresponding with the merchant number.
8. smart card managing device as claimed in claim 5, which is characterized in that described device further include:
Charging request module, for receiving charging request, smart card number, merchant number and the gold to be supplemented with money of card-reading terminal transmission
Volume；
Supplement execution module with money, for supplemented with money from the corresponding Merchant Account of the merchant number according to the charging request it is described to
Recharge amount to the smart card numbers the independent electronic wallet corresponding with the merchant number of corresponding smart card account.
9. a kind of terminal device, including memory, processor and storage are in the memory and can be on the processor
The computer program of operation, which is characterized in that the processor realizes such as Claims 1-4 when executing the computer program
The step of any one the method.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In when the computer program is executed by processor the step of any one of such as Claims 1-4 of realization the method.
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