CN109359970B - Smart card management method and device and terminal equipment - Google Patents
Smart card management method and device and terminal equipment Download PDFInfo
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- CN109359970B CN109359970B CN201811112416.7A CN201811112416A CN109359970B CN 109359970 B CN109359970 B CN 109359970B CN 201811112416 A CN201811112416 A CN 201811112416A CN 109359970 B CN109359970 B CN 109359970B
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- 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
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Abstract
The application is applicable to the technical field of software application, and provides a smart card management method, a smart card management device and terminal equipment, wherein the method comprises the following steps: receiving a payment request, an intelligent card number, a merchant number and an amount to be paid which are sent by a card reading terminal, wherein the intelligent card number is obtained by reading an intelligent card by the card reading terminal; and paying the amount to be paid to the merchant account corresponding to the merchant number from an independent electronic wallet corresponding to the merchant number of the smart card account corresponding to the smart card number according to the payment request. The method and the system can solve the problems that the independent wallet is difficult to expand in the conventional one-card service, the balance is inquired when the data of the intelligent card is inquired, specific consumption places and consumption amount cannot be known, and the consumption accounting process is complicated.
Description
Technical Field
The application belongs to the technical field of software application, and particularly relates to a smart card management method, a smart card management device and terminal equipment.
Background
With the development of the smart card, a plurality of enterprises put forward the service of the all-purpose card, and employees can use the same smart card to consume in various consumption places cooperating with the enterprises, so that the daily consumption of the employees is greatly facilitated.
In the current one-card service, the smart card usually only has a public wallet and no independent wallet corresponding to each merchant, so that management actions such as recharging, refunding and card refunding can be performed only by a company in a unified way, and then the company and the merchant perform account checking. Meanwhile, because a company can only inquire the balance of the public wallet in the smart card, the company cannot know which consumption place the smart card is specifically consumed in and the amount of money consumed, and therefore the account checking process with the merchant is complicated.
In this regard, some enterprises divide the storage space in the smart card into a plurality of card sectors to achieve the purpose that one smart card expands a plurality of independent wallets, but this method is implemented on the physical level of the smart card, and the card sectors into which the storage space of the smart card can be divided are limited, and it is difficult to divide a sufficient number of card sectors when the number of merchants is large. After the smart card is divided into a plurality of card sectors, the card reader needs to adopt a polling mechanism to read information of each card sector, the polling mechanism has a lower speed when reading and writing two or more card sectors, a person who swipes the card needs to stay in a sensing area of the card reader for a longer time, otherwise, the situation of information reading and writing failure easily occurs, and the use experience of a user is influenced.
In summary, in the existing one-card service, it is difficult to expand an independent wallet, and when inquiring the data of the smart card, only the balance can be inquired, and the specific consumption place and the consumption amount cannot be known, and the consumption accounting process is complicated.
Disclosure of Invention
In view of this, embodiments of the present application provide a method and an apparatus for managing a smart card, and a terminal device, so as to solve the problems that an independent wallet is difficult to expand in the existing one-card service, and when inquiring the data of the smart card, the balance is inquired, the specific consumption place and the consumption amount cannot be known, and the consumption accounting process is complicated.
A first aspect of an embodiment of the present application provides a smart card management method, including:
receiving a payment request, an intelligent card number, a merchant number and an amount to be paid which are sent by a card reading terminal, wherein the intelligent card number is obtained by reading an intelligent card by the card reading terminal;
and paying the amount to be paid to the merchant account corresponding to the merchant number from an independent electronic wallet corresponding to the merchant number of the smart card account corresponding to the smart card number according to the payment request.
A second aspect of an embodiment of the present application provides a smart card management apparatus, including:
the payment request module is used for receiving a payment request, an intelligent card number, a merchant number and the amount to be paid which are sent by a card reading terminal, wherein the intelligent card number is obtained by reading an intelligent card by the card reading terminal;
and the payment execution module is used for paying the amount to be paid to the merchant account corresponding to the merchant number from the independent electronic wallet corresponding to the merchant number of the intelligent card account corresponding to the intelligent card number according to the payment request.
A third aspect of the embodiments of the present application provides a terminal device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements the steps of the method when executing the computer program.
A fourth aspect of embodiments of the present application provides a computer-readable storage medium, in which a computer program is stored, which, when executed by a processor, implements the steps of the method as described above.
Compared with the prior art, the embodiment of the application has the advantages that:
according to the intelligent card management method, the intelligent card number is written in the intelligent card, the account information of the intelligent card is stored on terminal equipment such as a server, the number of independent electronic purses of the intelligent card can be expanded infinitely, when payment is carried out, payment operation can be completed on the server according to the intelligent card number, the merchant number and the amount of money to be paid, the consumption amount of a consumption place can be recorded clearly in each payment, consumption accounting is facilitated, the problems that the independent purses are difficult to expand in the existing one-card service, balance is inquired when the information of the intelligent card is inquired, specific consumption places and consumption amounts cannot be known, and the consumption accounting process is complicated are solved
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
Fig. 1 is a schematic flow chart illustrating an implementation of a smart card management method according to an embodiment of the present application;
fig. 2 is a schematic diagram of a smart card management apparatus according to an embodiment of the present application;
fig. 3 is a schematic diagram of a terminal device provided in an embodiment of the present application.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.
In order to explain the technical solution described in the present application, the following description will be given by way of specific examples.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the present application herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. As used in the specification of the present application and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.
As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to a determination" or "in response to a detection". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".
In particular implementations, the mobile terminals described in embodiments of the present application include, but are not limited to, other portable devices such as mobile phones, laptop computers, or tablet computers having touch sensitive surfaces (e.g., touch screen displays and/or touch pads). It should also be understood that in some embodiments, the devices described above are not portable communication devices, but rather are desktop computers having touch-sensitive surfaces (e.g., touch screen displays and/or touch pads).
In the discussion that follows, a mobile terminal that includes a display and a touch-sensitive surface is described. However, it should be understood that the mobile terminal may include one or more other physical user interface devices such as a physical keyboard, mouse, and/or joystick.
The mobile terminal supports various applications, such as one or more of the following: a drawing application, a presentation application, a word processing application, a website creation application, a disc burning application, a spreadsheet application, a gaming application, a telephone application, a video conferencing application, an email application, an instant messaging application, an exercise support application, a photo management application, a digital camera application, a web browsing application, a digital music player application, and/or a digital video player application.
Various applications that may be executed on the mobile terminal may use at least one common physical user interface device, such as a touch-sensitive surface. One or more functions of the touch-sensitive surface and corresponding information displayed on the terminal can be adjusted and/or changed between applications and/or within respective applications. In this way, a common physical architecture (e.g., touch-sensitive surface) of the terminal can support various applications with user interfaces that are intuitive and transparent to the user.
The first embodiment is as follows:
referring to fig. 1, a method for managing a smart card according to a first embodiment of the present application is described below, where the method for managing a smart card according to the first embodiment of the present application includes:
step S101, receiving a payment request, an intelligent card number, a merchant number and an amount to be paid, which are sent by a card reading terminal, wherein the intelligent card number is obtained by reading an intelligent card by the card reading terminal;
the intelligent card of the application can only store the intelligent card serial number of the intelligent card without storing the account information of the intelligent card, and the intelligent card serial number of each intelligent card is not repeated and is used for identifying the identity of the intelligent card.
When a user consumes the smart card, the number of the smart card in the smart card is read through the card reading terminal, the card reading terminal sends a payment request, the number of the smart card, the number of a merchant and the amount of money to be paid to the server, and the server carries out payment operation.
Each merchant has a unique merchant number for identifying the identity of the merchant, the merchant number can be set in a card reading terminal, or the card reading terminal can set the card reading terminal number, the server acquires an equipment mapping table after uploading the equipment mapping table to find the merchant number corresponding to the card reading terminal number, for example, one restaurant can have one or more card reading terminals, each card reading terminal can be provided with different card reading terminal numbers, and the card reading terminal numbers and the merchant numbers of the restaurant are established in the server to be in an attribution relationship.
The account information of the smart card can be stored in a database table form on the server, the account information of the smart card can be recorded only by a very small storage space, and the storage space of the server can be almost ignored, so that the unlimited expansion of the electronic wallet of the smart card can be almost realized.
And S102, paying the amount to be paid to a merchant account corresponding to the merchant number from an independent electronic wallet corresponding to the merchant number of the smart card account corresponding to the smart card number according to the payment request.
The server can execute payment operation according to the payment request, obtain the account of the smart card according to the number of the smart card, find the independent electronic wallet corresponding to the number of the merchant in the account of the smart card, and pay the amount to be paid to the account of the merchant corresponding to the number of the merchant from the independent electronic wallet.
Further, after the paying the amount to be paid from the independent electronic wallet of the smart card account corresponding to the smart card number and corresponding to the merchant number to the merchant account corresponding to the merchant number according to the payment request, the method further includes:
a1, returning payment status information and the wallet balance of the independent electronic wallet to the card reading terminal.
After the payment is finished, in order to enable the user to know whether the payment is successful, the server can return the payment state information and the wallet balance of the independent electronic wallet to the card reading terminal, and the payment state information and the wallet balance of the independent electronic wallet are displayed on the card reading terminal.
The payment status information may include: the payment is successful, the balance is insufficient, the information is wrong and the like, so that the user can know the payment state conveniently.
Further, the method further comprises:
b1, receiving an independent electronic wallet account opening request, an intelligent card number and a merchant number sent by a card reading terminal;
when a new merchant joins the one-card service, a new independent electronic wallet account opening operation can be completed on a card reading terminal of the merchant, the card reading terminal reads the intelligent card number of the intelligent card, the independent electronic wallet account opening request, the intelligent card number and the merchant number are sent to a server, and the server performs account opening operation.
And B2, adding an independent electronic wallet corresponding to the merchant number in the intelligent card account corresponding to the intelligent card number according to the independent wallet account opening request.
And the server finds the smart card account according to the smart card number, and adds an independent electronic wallet corresponding to the merchant number in the smart card account according to the independent wallet account opening request.
Further, the method further comprises:
c1, receiving a recharging request, an intelligent card number, a merchant number and a to-be-recharged amount sent by the card reading terminal;
when a user needs to recharge the independent electronic wallet, the card reading terminal reads the intelligent card number of the intelligent card, sends a recharging request, the intelligent card number, the merchant number and the amount of money to be recharged to the server, and the server carries out recharging operation.
And C2, recharging the amount to be recharged from the merchant account corresponding to the merchant number to an independent electronic purse corresponding to the merchant number of the intelligent card account corresponding to the intelligent card number according to the recharging request.
The server finds the merchant account according to the merchant number, finds the intelligent card account according to the intelligent card number, and charges the amount to be charged to the intelligent card account in the independent electronic wallet corresponding to the merchant number.
In addition, a public electronic wallet can be arranged in the smart card account, the amount of the public electronic wallet can be general for any merchant, when a user pays, the user can independently select to pay by using the public electronic wallet or pay by using an independent electronic wallet, the user can also set a preferable independent electronic wallet to pay, and when the balance of the electronic wallet is insufficient, the user pays by using the public electronic wallet.
Because the information of the public electronic purse is also stored in the server, and the server executes payment operation, the public electronic purse is also required to acquire the number of the smart card, the number of the merchant and the amount of money to be paid, and the consumption place and the consumption amount of each payment can be inquired when the payment record of the public purse is inquired subsequently, so that the consumption accounting is facilitated.
In order to ensure the safety of the public electronic wallet of the smart card, the public electronic wallet can be opened only by a card reading terminal of a service provider of the smart card, or the public electronic wallet is opened by default when each smart card is initialized.
During recharging, each merchant can only recharge the amount to be recharged into the independent electronic wallet corresponding to the merchant number, the amount cannot be recharged into the public electronic wallet, and the public electronic wallet can only recharge the card by the card reading terminal of the one-card service provider.
In addition, the information sent by the card reading terminal each time can also comprise a time stamp so as to conveniently record the time when each payment request, account opening request and recharging request occurs.
Information communicated between the card reading terminal and the server can be encrypted through the key, the key encryption technology can select a bidirectional key encryption technology to ensure the communication safety between the card reading terminal and the server, and even if the communication process is intercepted, an eavesdropper cannot use the encrypted information to carry out illegal operation, so that the communication safety is improved.
In the smart card management method provided by this embodiment, the smart card may only store the serial number of the smart card as the identification of the smart card, the account information of the smart card is stored in a terminal device (e.g., a server), the expansion mode of the electronic wallet is transferred from the card physical layer to a software layer of the server, the database table is used to record the account information of the smart card, only a very small storage space is required, and the storage space of the server can be almost ignored, thereby almost realizing unlimited expansion of the electronic wallet of the smart card.
Besides the independent electronic wallet, the intelligent card account can be provided with a public electronic wallet, a user can select to pay from the public electronic wallet or the independent electronic wallet according to the self condition, the user can flexibly select and match, and the intelligent card account is convenient for the user to use.
After the account information of the intelligent card is stored in the server, the account opening, payment and recharging operations of the intelligent card require the card reading terminal to send the request information, the intelligent card number, the merchant number and other information to the server for processing, the place and the amount of money of each transaction can be clearly checked, and the subsequent account checking of the intelligent card service provider and each merchant is facilitated.
The information sent to the server by the card reading terminal can also comprise timestamp information, the time of each operation is recorded, and the data checking, inquiring and managing are facilitated.
In addition, the card reading terminal and the server can adopt encryption modes such as a bidirectional key encryption technology and the like to encrypt the interactive information in the communication process so as to ensure the communication safety and avoid the malicious use of the interactive information by an eavesdropper caused by the eavesdropping of the communication.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present application.
Example two:
the second embodiment of the present application provides a smart card management apparatus, which, for convenience of description, only shows the relevant parts of the present application, and as shown in fig. 2, the smart card management apparatus includes,
the payment request module 201 is configured to receive a payment request, a smart card number, a merchant number, and an amount to be paid, which are sent by a card reading terminal, where the smart card number is obtained by reading a smart card by the card reading terminal;
and the payment execution module 202 is configured to pay the amount to be paid from an independent electronic wallet of the smart card account corresponding to the smart card number and corresponding to the merchant number to the merchant account corresponding to the merchant number according to the payment request.
Further, the apparatus further comprises:
and the state returning module is used for returning payment state information and the wallet balance of the independent electronic wallet to the card reading terminal.
Further, the apparatus further comprises:
the account opening request module is used for receiving an independent electronic wallet account opening request, an intelligent card number and a merchant number sent by the card reading terminal;
and the account opening execution module is used for adding an independent electronic wallet corresponding to the merchant number in the intelligent card account corresponding to the intelligent card number according to the independent wallet account opening request.
Further, the apparatus further comprises:
the recharging request module is used for receiving a recharging request, an intelligent card number, a merchant number and the amount of money to be recharged sent by the card reading terminal;
and the recharging execution module is used for recharging the amount of money to be recharged from the merchant account corresponding to the merchant number to the independent electronic purse corresponding to the merchant number of the intelligent card account corresponding to the intelligent card number according to the recharging request.
It should be noted that, for the information interaction, execution process, and other contents between the above-mentioned devices/units, the specific functions and technical effects thereof are based on the same concept as those of the embodiment of the method of the present application, and specific reference may be made to the part of the embodiment of the method, which is not described herein again.
Example three:
fig. 3 is a schematic diagram of a terminal device provided in the third embodiment of the present application. As shown in fig. 3, the terminal device 3 of this embodiment includes: a processor 30, a memory 31 and a computer program 32 stored in said memory 31 and executable on said processor 30. The processor 30, when executing the computer program 32, implements the steps in the above-described smartcard management method embodiment, such as the steps S101 to S102 shown in fig. 1. Alternatively, the processor 30, when executing the computer program 32, implements the functions of each module/unit in the above-mentioned device embodiments, for example, the functions of the modules 201 to 202 shown in fig. 2.
Illustratively, the computer program 32 may be partitioned into one or more modules/units that are stored in the memory 31 and executed by the processor 30 to accomplish the present application. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution process of the computer program 32 in the terminal device 3. For example, the computer program 32 may be divided into a payment request module and a payment execution module, and the specific functions of each module are as follows:
receiving a payment request, an intelligent card number, a merchant number and an amount to be paid which are sent by a card reading terminal, wherein the intelligent card number is obtained by reading an intelligent card by the card reading terminal;
and paying the amount to be paid to the merchant account corresponding to the merchant number from an independent electronic wallet corresponding to the merchant number of the smart card account corresponding to the smart card number according to the payment request.
The terminal device 3 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. The terminal device may include, but is not limited to, a processor 30, a memory 31. It will be understood by those skilled in the art that fig. 3 is only an example of the terminal device 3, and does not constitute a limitation to the terminal device 3, and may include more or less components than those shown, or combine some components, or different components, for example, the terminal device may also include an input-output device, a network access device, a bus, etc.
The Processor 30 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 31 may be an internal storage unit of the terminal device 3, such as a hard disk or a memory of the terminal device 3. The memory 31 may also be an external storage device of the terminal device 3, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are provided on the terminal device 3. Further, the memory 31 may also include both an internal storage unit and an external storage device of the terminal device 3. The memory 31 is used for storing the computer program and other programs and data required by the terminal device. The memory 31 may also be used to temporarily store data that has been output or is to be output.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus/terminal device and method may be implemented in other ways. For example, the above-described embodiments of the apparatus/terminal device are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow in the method of the embodiments described above can be realized by a computer program, which can be stored in a computer-readable storage medium and can realize the steps of the embodiments of the methods described above when the computer program is executed by a processor. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.
Claims (6)
1. A smart card management method, comprising:
receiving a payment request, an intelligent card number, a merchant number and an amount to be paid, which are sent by a card reading terminal, wherein the intelligent card number is obtained by reading an intelligent card by the card reading terminal, and the merchant number is arranged at the card reading terminal; or receiving a payment request, an intelligent card number, a card reading terminal number and the amount to be paid which are sent by a card reading terminal, and acquiring a merchant number according to the card reading terminal number and a mapping table; the smart card only stores the serial number of the smart card as the identity of the smart card, the account information of the smart card is stored on the server, the expansion mode of the electronic wallet is transferred from the card physical layer to the software layer of the server, and the database table is used for recording the account information of the smart card;
paying the amount to be paid to a merchant account corresponding to the merchant number from an independent electronic wallet corresponding to the merchant number of the smart card account corresponding to the smart card number according to the payment request;
receiving an independent electronic wallet account opening request, an intelligent card number and a merchant number sent by a card reading terminal;
adding an independent electronic wallet corresponding to the merchant number in the intelligent card account corresponding to the intelligent card number according to the independent electronic wallet account opening request;
receiving a recharging request, an intelligent card number, a merchant number and a to-be-recharged amount sent by a card reading terminal;
recharging the amount of money to be recharged from the merchant account corresponding to the merchant number to an independent electronic wallet corresponding to the merchant number of the smart card account corresponding to the smart card number according to the recharging request, wherein the steps of:
the server finds the merchant account according to the merchant number, finds the intelligent card account according to the intelligent card number, and charges the amount to be charged to the intelligent card account in the independent electronic wallet corresponding to the merchant number.
2. The smart card management method according to claim 1, further comprising, after the paying the amount to be paid from the independent e-wallet of the smart card account corresponding to the smart card number corresponding to the merchant number to the merchant account corresponding to the merchant number according to the payment request:
and returning payment state information and the wallet balance of the independent electronic wallet to the card reading terminal.
3. A smart card management device, comprising:
the payment request module is used for receiving a payment request, an intelligent card number, a merchant number and an amount to be paid, which are sent by a card reading terminal, wherein the intelligent card number is obtained by reading an intelligent card by the card reading terminal, and the merchant number is arranged at the card reading terminal; or the payment server is used for receiving a payment request, an intelligent card number, a card reading terminal number and the amount to be paid which are sent by a card reading terminal, and acquiring a merchant number according to the card reading terminal number and a mapping table; the smart card only stores the serial number of the smart card as the identity of the smart card, the account information of the smart card is stored on the server, the expansion mode of the electronic wallet is transferred from the card physical layer to the software layer of the server, and the database table is used for recording the account information of the smart card;
the payment execution module is used for paying the amount to be paid to a merchant account corresponding to the merchant number from an independent electronic wallet corresponding to the merchant number of the smart card account corresponding to the smart card number according to the payment request;
the account opening request module is used for receiving an independent electronic wallet account opening request, an intelligent card number and a merchant number sent by the card reading terminal;
the account opening execution module is used for adding an independent electronic wallet corresponding to the merchant number in the intelligent card account corresponding to the intelligent card number according to the independent electronic wallet account opening request;
the recharging request module is used for receiving a recharging request, an intelligent card number, a merchant number and the amount of money to be recharged sent by the card reading terminal;
a recharge execution module, configured to recharge the amount to be recharged from the merchant account corresponding to the merchant number to an independent electronic wallet corresponding to the merchant number of the smart card account corresponding to the smart card number according to the recharge request, including:
the server finds the merchant account according to the merchant number, finds the intelligent card account according to the intelligent card number, and charges the amount to be charged to the intelligent card account in the independent electronic wallet corresponding to the merchant number.
4. The smartcard management device according to claim 3, characterised in that the device further comprises:
and the state returning module is used for returning payment state information and the wallet balance of the independent electronic wallet to the card reading terminal.
5. A terminal device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the steps of the method according to any of claims 1 to 2 when executing the computer program.
6. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 2.
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