CN113450507A - Payment method based on multifunctional card, multifunctional card and system - Google Patents
Payment method based on multifunctional card, multifunctional card and system Download PDFInfo
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- CN113450507A CN113450507A CN202110656440.2A CN202110656440A CN113450507A CN 113450507 A CN113450507 A CN 113450507A CN 202110656440 A CN202110656440 A CN 202110656440A CN 113450507 A CN113450507 A CN 113450507A
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F15/00—Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity
- G07F15/06—Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity with means for prepaying basic charges, e.g. rent for meters
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F15/00—Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity
- G07F15/001—Coin-freed apparatus with meter-controlled dispensing of liquid, gas or electricity for gas
Abstract
The invention is suitable for the technical field of life payment, and provides a payment method based on a multifunctional card, the multifunctional card and a system, wherein the method is applied to the multifunctional card, the multifunctional card comprises a plurality of accounts, at least one account is a financial account, and the multifunctional card comprises a near field communication module, a CPU chip, a financial account data storage area, a payment account data storage area and a golden finger interface; the multifunctional card firstly acquires an operation instruction sent by the terminal equipment; and then reading the operation instruction through the CPU chip, if the operation instruction is a payment operation instruction, performing read-write operation on payment account data according to the payment operation instruction, and paying the fee to the charging terminal according to the payment account data. The multifunctional card provided by the application can realize the life payment function on the basis of the financial card, and solves the problem that the life demand payment process is complex.
Description
Technical Field
The invention belongs to the technical field of life payment, and particularly relates to a payment method based on a multifunctional card, the multifunctional card and a system.
Background
With the continuous and high-speed development of society, the lives of urban and rural residents are rapidly improved, and the public utilities are gradually developed, so that the demands of residents on intelligent living payment are higher and higher.
The life payment usually includes water, electricity, gas and the like, taking gas as an example, at present, a corresponding gas meter is arranged for each gas user, the gas meters mainly include two types, one type is a common meter, and the other type is an IC card gas meter, wherein the common meter can realize the online payment of the user, the convenience is achieved, and the IC card gas meter needs to recharge the IC card by a gas recharging point and then insert a card for inflation, and the payment process is complicated.
Disclosure of Invention
In view of this, the embodiment of the invention provides a payment method based on a multifunctional card, a multifunctional card and a system, so as to solve the problem that the life demand payment process is complicated in the prior art.
The first aspect of the embodiment of the invention provides a payment method based on a multifunctional card, which is applied to the multifunctional card, wherein the multifunctional card comprises a plurality of accounts, at least one account is a financial account, and the multifunctional card comprises a near field communication module, a CPU chip, a financial account data storage area, a payment account data storage area and a golden finger interface; financial account data are stored in the financial account data storage area, and payment account data are stored in the payment account data storage area;
the method comprises the following steps:
acquiring an operation instruction sent by terminal equipment; the operation instruction comprises a financial operation instruction and a payment operation instruction;
reading the operation instruction through a CPU chip, if the operation instruction is a payment operation instruction, performing read-write operation on the payment account data and the financial account data according to the payment operation instruction, realizing payment recharging of a payment account by a financial account, and paying for a charging terminal according to the payment account data.
A second aspect of the embodiments of the present invention provides a payment method based on a multifunctional card, which is applied to a terminal device, where the multifunctional card includes a plurality of accounts, and at least one account is a financial account, and the multifunctional card includes a near field communication module, a CPU chip, a financial account data storage area, a payment account data storage area, and a gold finger interface; financial account data are stored in the financial account data storage area, and payment account data are stored in the payment account data storage area;
the method comprises the following steps:
establishing a communication connection with the multifunctional card;
if a payment operation instruction is obtained, sending the payment operation instruction to the multifunctional card, wherein the payment operation instruction is used for instructing the multifunctional card to read and write the payment account data and the financial account data;
and if a financial operation instruction is acquired, sending the financial operation instruction to the multifunctional card, wherein the financial operation instruction is used for indicating the multifunctional card to read and write the financial account data in the financial account data storage area.
A third aspect of embodiments of the present invention provides a multifunctional card for performing the steps of the multifunctional card-based payment method as described above.
A fourth aspect of the embodiments of the present invention provides a payment system based on a multifunctional card, including a charging terminal, the multifunctional card as described above, and a terminal device for implementing the method steps of the second aspect; the terminal equipment is in communication connection with the multifunctional card, and the multifunctional card is in communication connection with the charging terminal.
Compared with the prior art, the embodiment of the invention has the following beneficial effects: the method provided by the embodiment is applied to a multifunctional card, the multifunctional card comprises a plurality of accounts, at least one account is a financial account, and the multifunctional card comprises a near field communication module, a CPU chip, a financial account data storage area, a payment account data storage area and a golden finger interface; the multifunctional card firstly acquires an operation instruction sent by the terminal equipment; and then reading the operation instruction through a CPU chip, if the operation instruction is a payment operation instruction, performing read-write operation on the payment account data according to the payment operation instruction, and paying the fee to a charging terminal according to the payment account data. The multifunctional card provided by the embodiment can realize the life payment function on the basis of the financial card, and the financial account is adopted for recharging and paying for the payment account, so that the payment card does not need to be paid by a recharging point independently, and the problem of complex life demand payment process is solved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, 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 invention, 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 flowchart of a multi-function card-based payment method of a multi-function card terminal according to an embodiment of the present invention;
fig. 2 is a schematic flow chart illustrating an implementation process of a payment method based on a multifunctional card at a terminal device according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a payment system based on a multifunctional card according to an embodiment of the present invention;
fig. 4 is a schematic flow chart of a method of a payment system based on a multifunctional card according to an embodiment of the present invention.
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 invention. It will be apparent, however, to one skilled in the art that the present invention 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 invention with unnecessary detail.
In order to explain the technical means of the present invention, the following description will be given by way of specific examples.
In one embodiment, as shown in fig. 1, fig. 1 shows an implementation flow of a payment method based on a multifunctional card provided by this embodiment, where the method is applied to a multifunctional card, the multifunctional card includes a plurality of accounts, and at least one account is a financial account, the multifunctional card includes a near field communication module, a CPU chip, a financial account data storage area, a payment account data storage area, and a gold finger interface; financial account data are stored in the financial account data storage area, and payment account data are stored in the payment account data storage area.
In the present embodiment, as shown in fig. 3, fig. 3 shows a partial structure of a multifunction card, which includes a Near Field Communication module (NFC) 11, a CPU chip 12, and a gold finger interface 13.
Specifically, the near field communication module is an antenna coil, and the antenna coil has two main functions, namely a power taking function for providing a power supply for the multifunctional card; the second is a communication function, which provides a channel for data transmission. The golden finger interface is connected to an IO port of the CPU chip and has two main functions, namely a power taking function for providing a power supply for the multifunctional card and a communication function for providing a data transmission channel. The IO interface of the CPU chip can simulate the time sequence of the mainstream logic encryption card chip, and the condition that the golden finger interface is connected with the mainstream logic encryption card chip can be understood as a standard logic encryption card chip.
The CPU chip is a core device for data processing. A group of financial account data storage spaces exist in the CPU chip, so that the read-write operation of the financial account data can be realized. Meanwhile, the CPU chip can also simulate a logic encryption chip, taking an SLE4442 card chip as an example, a group of storage spaces for simulating the 4442 card in space can be created in the CPU chip, the read-write operation of payment account data can be realized in the simulated storage space of the 4442 card, and the terminal equipment can complete the read-write operation and other operations through an APDU instruction; the IO port can simulate the SLE4442 card chip time sequence and is used for connecting an external golden finger interface, and an external card reader or a meter can directly read and write the simulated 4442 card storage space content through the golden finger interface; a part of space is reserved in the CPU chip and used for storing test data, key files, version information files and the like. It should be understood that the logic encryption chip that can be emulated by the CPU card in the present invention may include all the mainstream logic encryption card chips in the market, such as AT88SC1608 card chip, AT88SC102 card chip, and AT88SC153 card chip, in addition to the SLE4442 chip.
In this embodiment, the account in the multifunctional card may further include at least one payment account, and the payment account may include a water payment account, an electricity payment account, a gas payment account, and other life payment accounts. The following method flow is described by taking a gas payment account as an example.
Specifically, the communication protocols of the financial account and the payment account are different.
The implementation process of the payment method based on the multifunctional card is detailed as follows:
SA 101: acquiring an operation instruction sent by terminal equipment; the operation instruction comprises a financial operation instruction and a payment operation instruction;
SA 102: reading the operation instruction through a CPU chip, and if the operation instruction is a payment operation instruction, performing read-write operation on the payment account data and the financial account data according to the payment operation instruction to realize payment recharging of a payment account by a financial account;
SA 103: and paying the fee to a charging terminal according to the fee paying account data.
In an embodiment, the specific implementation process of the SA101 includes:
and acquiring an operation instruction sent by the terminal equipment through a near field communication module or a golden finger interface.
Specifically, if the terminal device has a near field communication function, such as a mobile phone, the near field communication module may be used to communicate with the terminal device, and if the terminal device has a gold finger interface, such as a pos machine, the terminal device may be connected to the terminal device through the gold finger interface.
The SA103 described above includes:
and paying the fee to a charging terminal through the golden finger interface or the near field communication module according to the fee paying account data.
In this embodiment, if the charging terminal has the near field communication function, the multi-function card communicates with the charging terminal through the near field communication module, and if the charging terminal has the gold finger interface, the multi-function card communicates with the charging terminal through the gold finger interface.
In one embodiment, the financial account data store further stores offline wallet data; the payment operation instruction comprises a first payment operation instruction; the payment account data comprises charging measurement data; the SA102 in fig. 1 specifically includes:
SA 201: acquiring a first payment operation instruction sent by the terminal equipment in an off-network state, and reading the off-line wallet data and the charging measurement data according to the first payment operation instruction;
SA 202: deducting the payment amount carried by the first payment operation instruction from the offline wallet data to obtain updated offline wallet data, and updating charging measurement data according to the payment amount;
SA 203: writing the updated offline wallet data into the financial account data storage area;
SA 204: and writing the updated charging measurement data into the payment account data storage area.
In this embodiment, taking gas payment as an example, the charging measurement data is gas data; when the multifunctional card is connected with the terminal equipment through the NFC technology and acquires a first payment operation instruction sent by the terminal equipment, if the first payment operation instruction carries gas data, the gas data is converted into payment amount through an internally stored conversion formula. The CPU chip then reads the offline wallet data of the financial account data storage area, the offline wallet data including an offline wallet credit and an offline wallet balance.
After reading the balance of the off-line wallet, the CPU chip subtracts the payment amount from the balance of the off-line wallet to obtain the current latest balance of the off-line wallet, and then writes the updated balance of the off-line wallet into a financial account data storage area. Meanwhile, the CPU chip reads the gas data stored in the payment account data storage area, updates the current gas data according to the gas data corresponding to the payment amount, and then writes the updated gas data into the payment account data storage area.
Specifically, the CPU chip needs to determine whether the offline wallet balance is greater than or equal to the payment amount, determine that the payment is successful when the offline wallet balance is greater than or equal to the payment amount, and update the offline wallet balance of the gas data storage area and the financial account data storage area of the payment account data storage area through read-write operation when the payment is determined to be successful. When the balance of the offline wallet is less than the payment amount, the payment fails, and when the payment fails, the subsequent read-write operation is not performed any more, and prompt information of the payment failure can be returned to the terminal equipment.
Specifically, the multifunctional card can draw the amount of the offline wallet amount at most in the offline state to recharge the payment account.
By the method, the user can recharge the payment account in an off-line state through the off-line wallet of the fused account in the multifunctional card, so that the payment experience of the user is further optimized.
In one embodiment, the implementation process of the payment method based on the multifunctional card further includes:
and sending offline wallet data to a terminal device so that the terminal device updates the financial account data according to the offline wallet data when in a networking state.
In this embodiment, after the payment account is recharged by the offline wallet in the offline state, when the terminal device is connected to the terminal device in the next networking state, the multifunctional card needs to send offline wallet data to the terminal device, so that the terminal device sends the current financial account data and the offline wallet data to the financial server, and the financial server updates the financial account data according to the offline wallet data and returns the updated financial account data to the terminal device. And the terminal equipment sends the updated financial account data to the multifunctional card, and the multifunctional card writes the updated financial account data into the financial account data storage area.
For example, if the balance of the financial account is 10000, the amount of the offline wallet corresponding to the financial account is 1000, and after 200 payment amounts are charged into the gas payment account through the offline wallet in a certain offline state, the balance of the offline wallet is updated to 800, and the gas data of the gas payment account is increased by the gas data corresponding to 200. When the network is connected next time, the multifunctional card sends the balance of the off-line wallet to the terminal equipment, after the terminal equipment sends the financial account data and the balance of the off-line wallet to the financial server, the financial server updates the account balance of the money account to 10000-200-99800 according to the off-line wallet data and the balance of the off-line wallet, returns the updated financial account balance to the terminal equipment, and meanwhile restores the balance of the off-line wallet corresponding to the money account to 1000.
It can be known from the foregoing embodiment that the method provided by this embodiment is applied to a multifunctional card, where the multifunctional card includes a plurality of accounts, and at least one account is a financial account, and the multifunctional card includes a near field communication module, a CPU chip, a financial account data storage area, a payment account data storage area, and a gold finger interface; the multifunctional card firstly acquires an operation instruction sent by the terminal equipment; and then reading the operation instruction through a CPU chip, if the operation instruction is a payment operation instruction, performing read-write operation on the payment account data according to the payment operation instruction, and paying the fee to a charging terminal according to the payment account data. The multifunctional card provided by the embodiment can realize the life payment function on the basis of the financial card, and the financial account is adopted for recharging and paying for the payment account, so that the payment card does not need to be paid by a recharging point independently, and the problem of complex life demand payment process is solved.
In one embodiment, the implementation process of the payment method based on the multifunctional card further includes:
and writing the total accumulated amount, the allowance and the meter information of the charging terminal into a payment account data storage area through a golden finger interface/near field communication module.
In this embodiment, if the charging terminal has a near field communication function, the multi-function card communicates with the charging terminal through the near field communication module, and if the charging terminal has a gold finger interface, the multi-function card communicates with the charging terminal through the gold finger interface, so as to obtain the total accumulated amount, the remaining amount, and the meter information of the charging terminal.
In this embodiment, when the payment account is a gas payment account, the charging terminal may be a gas meter.
In one embodiment, the implementation process of the payment method based on the multifunctional card further includes:
when a charging data query instruction sent by the terminal equipment is obtained, reading the total accumulated amount, the allowance and the meter information corresponding to the payment account data storage area, and sending the total accumulated amount, the allowance and the meter information to the terminal equipment.
In this embodiment, the operation of the terminal device on the payment account of the multifunctional card through the NFC channel/gold finger interface specifically includes card opening, charging, reimbursement, recovery, and query.
In an embodiment, as shown in fig. 2, fig. 2 shows an implementation flow of a payment method based on a multifunctional card provided in this embodiment, where the method is applied to a terminal device, the multifunctional card includes a plurality of accounts, and at least one account is a financial account, and the multifunctional card includes a near field communication module, a CPU chip, a financial account data storage area, a payment account data storage area, and a gold finger interface; financial account data are stored in the financial account data storage area, and payment account data are stored in the payment account data storage area;
the method comprises the following specific implementation flows:
SB 101: establishing a communication connection with the multifunctional card;
SB 102: if a payment operation instruction is obtained, sending the payment operation instruction to the multifunctional card, wherein the payment operation instruction is used for instructing the multifunctional card to read and write the payment account data and the financial account data;
SB 103: and if a financial operation instruction is acquired, sending the financial operation instruction to the multifunctional card, wherein the financial operation instruction is used for indicating the multifunctional card to read and write the financial account data in the financial account data storage area.
In this embodiment, the terminal device may be a terminal having an NFC communication function, such as a mobile phone, a tablet, a computer, a notebook, and a wearable device, or may be a terminal having a gold finger interface, such as a POS machine, a bank self-service terminal, and a self-service payment terminal, and a payment application program is installed in the terminal.
In one embodiment, the payment account data includes charging measurement data, the payment operation instruction includes a first payment operation instruction, and a specific implementation flow of SB102 in fig. 2 includes:
if a first payment operation instruction input by a user is acquired in an off-network state, the first payment operation instruction is sent to the multifunctional card, and the first payment operation instruction is used for instructing the multifunctional card to read off-line wallet data of the financial account data storage area and charging measurement data of the payment account storage area; and deducting the payment amount carried by the first payment operation instruction from the offline wallet data to obtain updated offline wallet data, and updating the charging measurement data according to the payment amount.
In an embodiment, the payment operation instruction includes a second payment operation instruction, and the specific implementation flow of the SB102 in fig. 2 further includes:
SB 201: if a second payment operation instruction input by a user is acquired in a networking state, the second payment operation instruction is sent to a background server, so that the background server calculates the payment amount according to the charging measurement data carried in the second payment operation instruction;
SB 202: acquiring the payment amount sent by the background server, reading financial account data in the multifunctional card, and sending the financial account data and the payment amount to a financial server so that the financial server generates a payment result according to the financial account data and the payment amount and sends the payment result to the background server;
SB 203: and receiving a payment result sent by the background server, and sending a second payment operation instruction to the multifunctional card when the payment result is payment completion, wherein the second payment operation instruction is used for instructing the multifunctional card to write charging measurement data carried by the second payment operation instruction into the payment account data storage area.
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 invention.
In one embodiment, the present embodiment provides a multi-function card capable of implementing the steps of the multi-function card based payment method as described above.
The multifunctional card comprises a plurality of accounts, at least one account is a financial account, and as shown in fig. 3, the multifunctional card comprises a near field communication module, a CPU chip, a financial account data storage area, a payment account data storage area and a gold finger interface; financial account data are stored in the financial account data storage area, and payment account data are stored in the payment account data storage area.
In one embodiment, as shown in fig. 3, a fourth aspect of the embodiment of the present invention provides a payment system based on a multifunctional card, including a charging terminal 30, the multifunctional card 10 as described above, and a terminal device 10 implementing the method steps of the second aspect; the terminal device is in communication connection with the multifunctional card, the multifunctional card is in communication connection with the billing terminal 30, and the terminal device 20 may also be in communication connection with the background server 40 and the financial server 50.
In this embodiment, as shown in fig. 4, fig. 4 shows a method interaction flow in a payment system based on a multifunctional card, which includes:
step A01: the terminal equipment acquires an operation instruction input by a user, wherein the operation instruction comprises a payment operation instruction and a financial operation instruction;
step A02: the terminal equipment is in communication connection with the multifunctional card through the near field communication module or the golden finger interface;
step A03: if the operation instruction is a first payment operation instruction, sending the first payment operation instruction to the multi-function card, and jumping to B03;
step A04: if the second payment operation instruction is the second payment operation instruction, the terminal equipment sends the second payment operation instruction to the background server;
step D01: the background server calculates the payment amount according to the charging measurement data carried in the second payment operation instruction, and sends the payment amount to the terminal equipment;
step A05: the terminal equipment acquires the payment amount sent by the background server;
step A06: the terminal equipment sends a financial operation instruction to the multifunctional card;
step B01: the multifunctional card reads financial account data in the multifunctional card according to a financial operation instruction;
step A07: the terminal equipment sends the financial account data and the payment amount to a financial server;
step E01: the financial server generates a payment result according to the financial account data and the payment amount, and sends the payment result to the background server;
step D02: the background server acquires a payment result and returns the payment result to the terminal equipment;
step A08: the terminal equipment sends a second payment instruction to the multi-function card according to the payment result;
step B02: the multifunctional card carries out read-write operation on the charging measurement data in the payment account data storage area according to a second payment instruction;
step B03: reading the offline wallet data and the charging measurement data according to the first payment operation instruction; deducting the payment amount carried by the first payment operation instruction from the offline wallet data to obtain updated offline wallet data, and updating charging measurement data according to the payment amount; writing the updated offline wallet data into the financial account data storage area; writing the updated charging measurement data into the payment account data storage area;
step B04: and communicating with the charging terminal through the golden finger interface/near field communication module, and charging to the charging terminal.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will 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 invention, and are intended to be included within the scope of the present invention.
Claims (10)
1. The payment method based on the multifunctional card is characterized in that the method is applied to the multifunctional card, the multifunctional card comprises a plurality of accounts, at least one account is a financial account, and the multifunctional card comprises a near field communication module, a CPU chip, a financial account data storage area, a payment account data storage area and a golden finger interface; financial account data are stored in the financial account data storage area, and payment account data are stored in the payment account data storage area;
the method comprises the following steps:
acquiring an operation instruction sent by terminal equipment; the operation instruction comprises a financial operation instruction and a payment operation instruction;
reading the operation instruction through a CPU chip, and if the operation instruction is a payment operation instruction, performing read-write operation on the payment account data and the financial account data according to the payment operation instruction to realize payment recharging of a payment account by a financial account;
and paying the fee to a charging terminal according to the fee paying account data.
2. The multi-function card based payment method of claim 1, wherein the financial account data storage area further stores offline wallet data; the payment operation instruction comprises a first payment operation instruction; the payment account data comprises charging measurement data;
the reading and writing operation is performed on the payment account data and the financial account data according to the payment operation instruction, and the reading and writing operation comprises the following steps:
acquiring a first payment operation instruction sent by the terminal equipment in an off-network state, and reading the off-line wallet data and the charging measurement data according to the first payment operation instruction;
deducting the payment amount carried by the first payment operation instruction from the offline wallet data to obtain updated offline wallet data, and updating charging measurement data according to the payment amount;
writing the updated offline wallet data into the financial account data storage area;
and writing the updated charging measurement data into the payment account data storage area.
3. The multi-function card based payment method of claim 2, further comprising:
and sending offline wallet data to a terminal device so that the terminal device updates the financial account data according to the offline wallet data when in a networking state.
4. The multi-function card based payment method of claim 1, further comprising:
and writing the total accumulated amount, the allowance and the meter information of the charging terminal into a payment account data storage area through a golden finger interface/near field communication module.
5. The multi-function card based payment method of claim 1, wherein the obtaining of the operation instruction sent by the terminal device comprises:
acquiring an operation instruction sent by the terminal equipment through a near field communication module or a golden finger interface;
the paying to the charging terminal according to the payment account data comprises the following steps:
and paying the fee to a charging terminal through the golden finger interface or the near field communication module according to the fee paying account data.
6. The payment method based on the multifunctional card is characterized by being applied to terminal equipment, wherein the multifunctional card comprises a plurality of accounts, at least one account is a financial account, and the multifunctional card comprises a near field communication module, a CPU chip, a financial account data storage area, a payment account data storage area and a golden finger interface; financial account data are stored in the financial account data storage area, and payment account data are stored in the payment account data storage area;
the method comprises the following steps:
establishing a communication connection with the multifunctional card;
if a payment operation instruction is obtained, sending the payment operation instruction to the multifunctional card, wherein the payment operation instruction is used for instructing the multifunctional card to read and write the payment account data and the financial account data;
and if a financial operation instruction is acquired, sending the financial operation instruction to the multifunctional card, wherein the financial operation instruction is used for indicating the multifunctional card to read and write the financial account data in the financial account data storage area.
7. The multi-function card based payment method of claim 6, wherein the payment account data comprises charging measurement data, the payment operation command comprises a first payment operation command, and if the payment operation command is obtained, the payment operation command is sent to the multi-function card, comprising:
if a first payment operation instruction input by a user is acquired in an off-network state, the first payment operation instruction is sent to the multifunctional card, and the first payment operation instruction is used for instructing the multifunctional card to read off-line wallet data of the financial account data storage area and charging measurement data of the payment account storage area; and deducting the payment amount carried by the first payment operation instruction from the offline wallet data to obtain updated offline wallet data, and updating the charging measurement data according to the payment amount.
8. The multi-function card based payment method of claim 6, wherein the payment account data comprises charging measurement data, the payment operation command comprises a second payment operation command, and the sending the payment operation command to the multi-function card if the payment operation command is obtained comprises:
if a second payment operation instruction input by a user is acquired in a networking state, the second payment operation instruction is sent to a background server, so that the background server calculates the payment amount according to the charging measurement data carried in the second payment operation instruction;
acquiring the payment amount sent by the background server, reading financial account data in the multifunctional card, and sending the financial account data and the payment amount to a financial server so that the financial server generates a payment result according to the financial account data and the payment amount and sends the payment result to the background server;
and receiving a payment result sent by the background server, and sending a second payment operation instruction to the multifunctional card when the payment result is payment completion, wherein the second payment operation instruction is used for instructing the multifunctional card to read and write the charging measurement data in the payment account data storage area.
9. A multifunction card capable of implementing the steps of the method according to any one of claims 1 to 5.
10. A payment system based on a multifunctional card, characterized by comprising a charging terminal, a multifunctional card according to claim 9 and a terminal device for implementing the method steps of any one of claims 6 to 8;
the terminal equipment is in communication connection with the multifunctional card, and the multifunctional card is in communication connection with the charging terminal.
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| CN113450507B (en) | 2023-06-23 |
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