CN113450507B - 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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- CN113450507B CN113450507B CN202110656440.2A CN202110656440A CN113450507B CN 113450507 B CN113450507 B CN 113450507B CN 202110656440 A CN202110656440 A CN 202110656440A CN 113450507 B CN113450507 B CN 113450507B
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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 applicable to 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 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 the 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 high-speed development of society, urban and rural residents rapidly increase life and the gradual development of public utilities, the intelligent payment demands of the residents on life are higher and higher.
The life payment generally comprises water, electricity, fuel gas and the like, taking the fuel gas as an example, at present, corresponding fuel gas meters are arranged for each fuel gas user, the fuel gas meters mainly comprise two types, one type is a general meter and the other type is an IC card fuel gas meter, wherein the general meter can realize online payment of the user at present, the convenience is realized, and the IC card fuel gas meter needs to charge an IC card to a fuel gas charging point and then charge the IC card, and then the card is inserted for charging, so that the payment process is complicated.
Disclosure of Invention
In view of the above, the embodiment of the invention provides a payment method based on a multifunctional card, the multifunctional card and a system, so as to solve the problem of complicated payment process of living demands 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; the financial account data storage area stores financial account data, and the payment account data storage area stores payment account data;
the method comprises the following steps:
acquiring an operation instruction sent by terminal equipment; the operation instructions comprise financial operation instructions and payment operation instructions;
and reading the operation instruction through the 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 and recharging of the financial account to the payment account, and paying to the charging terminal according to the payment account data.
The second aspect of the embodiment of the invention provides a payment method based on a multifunctional card, which is 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; the financial account data storage area stores financial account data, and the payment account data storage area stores payment account data;
the method comprises the following steps:
establishing communication connection with the multifunctional card;
if a payment operation instruction is acquired, the payment operation instruction is sent to the multifunctional card, and the payment operation instruction is used for indicating the multifunctional card to perform reading and writing operations on the payment account data and the financial account data;
and if the financial operation instruction is acquired, sending the financial operation instruction to the multifunctional card, wherein the financial operation instruction is used for instructing the multifunctional card to perform read-write operation on the financial account data in the financial account data storage area.
A third aspect of an embodiment of the present invention provides a multi-function card for performing the steps of the multi-function card-based payment method described above.
A fourth aspect of the embodiment of the present invention provides a payment system based on a multifunctional card, including a charging terminal, a multifunctional card as described above, and a terminal device implementing the steps of the method described in 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 beneficial effects that: the method provided by the embodiment 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 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 the 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 embodiment can realize the life payment function on the basis of the financial card, and the financial account is adopted to recharge and pay for the payment account, so that the payment of the payment card is not required to be carried out by going to recharge points before being independent, and the problem of complicated life demand payment process is solved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a flow chart of a payment method based on a multifunctional card at a multifunctional card end according to an embodiment of the present invention;
fig. 2 is a schematic implementation flow diagram 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 the particular system architecture, techniques, etc., in order to provide a thorough understanding of the embodiments of the present 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 illustrate the technical scheme of the invention, the following description is made by 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 in 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, 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 golden finger interface; the financial account data storage area stores financial account data, and the payment account data storage area stores payment account data.
In the present embodiment, as shown in fig. 3, fig. 3 shows a partial structure of the multifunction card, which includes a near field communication module (Near Field Communication, NFC) 11, a CPU chip 12, and a gold finger interface 13.
The near field communication module is specifically an antenna coil, and the antenna wire diagram has two main functions, namely, a power taking function and a power supply for the multifunctional card; and secondly, a communication function is provided for a data transmission channel. The golden finger interface is connected with the IO port of the CPU chip, and has two main functions, namely, an electricity taking function, a power supply for the multifunctional card, and a communication function, and 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 golden finger interface is connected with the 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, and the read-write operation of the financial account data can be realized. Meanwhile, the CPU chip can simulate a logic encryption chip, taking the SLE4442 card chip as an example, a group of space simulating 4442 card storage spaces can be opened up in the CPU chip, the reading and writing operation of payment account data can be realized in the simulated 4442 card storage spaces, and the terminal equipment can complete the operations such as reading and writing through APDU instructions; the IO port can simulate 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; and a part of space is reserved in the CPU chip for storing test data, key files, version information files and the like. It should be understood that the logic encryption chip which can be simulated by the CPU card according to the present invention may include all the main logic encryption card chips on the market, such as AT88SC1608 card chip, AT88SC102 card chip and AT88SC153 card chip, besides 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 electric payment account, a gas payment account, and other living payment accounts. The following description of the flow of the subsequent method is performed by taking a fuel gas payment account as an example.
Specifically, the communication protocols of the financial account and the payment account are different.
The implementation flow of the payment method based on the multifunctional card is detailed as follows:
SA101: acquiring an operation instruction sent by terminal equipment; the operation instructions comprise financial operation instructions and payment operation instructions;
SA102: 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, so as to realize payment and recharging of the financial account to the payment account;
SA103: and paying the fee to the charging terminal according to the fee paying account data.
In one embodiment, the specific implementation procedure 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, for example, a mobile phone, the near field communication module may be used to communicate with the terminal device, and if the terminal device has a golden finger interface, for example, a pos machine, the terminal device may be connected to the terminal device through the golden finger interface in a communication manner.
The SA103 includes:
and paying the fee to the 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 a near field communication function, the multifunctional card communicates with the charging terminal through the near field communication module, and if the charging terminal has a golden finger interface, the multifunctional card communicates with the charging terminal through the golden finger interface.
In one embodiment, the financial account data store also 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:
SA201: acquiring a first payment operation instruction sent by the terminal equipment in an off-network state, and reading the offline wallet data and the charging measurement data according to the first payment operation instruction;
SA202: 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;
SA203: writing updated offline wallet data into the financial account data storage area;
SA204: 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 communication technology and a first payment operation instruction sent by the terminal equipment is obtained, if the first payment operation instruction carries gas data, the gas data is converted into payment amount through a conversion formula stored in the multifunctional card. The CPU chip then reads off-line wallet data of the financial account data storage area, the off-line wallet data including off-line wallet amount and off-line wallet balance.
After the CPU chip reads the off-line wallet balance, the off-line wallet balance is adopted to subtract the payment amount, the current latest off-line wallet balance is obtained, and then the updated off-line wallet balance is written into the financial account data storage area. And 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 also 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 fuel gas data and the financial account data storage area of the payment account data storage area through the read-write operation when the payment is determined to be successful. When the balance of the offline wallet is smaller than the payment amount, the payment fails, and the subsequent reading and writing operations are not performed when the payment fails, and prompt information of the payment failure can be returned to the terminal equipment.
Specifically, the multifunctional card can pay the amount of the off-line wallet at most under the off-line state to recharge the payment account.
By the method, the user can recharge the payment account offline through the offline wallet of the financial account in the multifunctional card in an offline state, so that the payment experience of the user is further optimized.
In one embodiment, the implementation flow of the payment method based on the multifunctional card further comprises:
and sending offline wallet data to the terminal equipment so that the terminal equipment updates the financial account data according to the offline wallet data in a networking state.
In this embodiment, after the offline wallet is adopted to recharge the payment account in the offline state, when the multifunctional card is connected with 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. The terminal device 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 off-line wallet corresponding to the financial account is 1000, and after 200 payment amounts are charged into the gas payment account through the off-line wallet in a certain off-line state, the balance of the off-line wallet is updated to 800, and the gas data of the gas payment account is increased by 200 corresponding gas data. And when networking is performed next time, the multifunctional card sends the offline wallet balance to the terminal equipment, after the terminal equipment sends the financial account data and the offline wallet balance to the financial server, the financial server updates the account balance of the monetary account to 10000-200=99800 according to the offline wallet data and the offline wallet balance, returns the updated financial account balance to the terminal equipment, and simultaneously restores the offline wallet balance corresponding to the monetary account to 1000.
As can be seen from the above embodiments, the method provided in 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 golden finger interface; the multifunctional card firstly acquires an operation instruction sent by 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 the 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 embodiment can realize the life payment function on the basis of the financial card, and the financial account is adopted to recharge and pay for the payment account, so that the payment of the payment card is not required to be carried out by going to recharge points before being independent, and the problem of complicated life demand payment process is solved.
In one embodiment, the implementation flow of the payment method based on the multifunctional card further comprises:
and writing the total accumulated quantity, the allowance and the meter information of the charging terminal into a payment account data storage area through the golden finger interface/near field communication module.
In this embodiment, if the charging terminal has a near field communication function, the multifunctional card communicates with the charging terminal through the near field communication module, and if the charging terminal has a golden finger interface, the multifunctional card communicates with the charging terminal through the golden finger interface, so as to obtain the total accumulated amount, the allowance 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 flow of the payment method based on the multifunctional card further comprises:
when a charging data query instruction sent by the terminal equipment is obtained, reading total accumulated quantity, allowance and meter information corresponding to the charging account data storage area, and sending the total accumulated quantity, the allowance and the meter information to the terminal equipment.
In this embodiment, the terminal device performs operations on the payment account of the multifunctional card through the NFC channel/golden finger interface, including card opening, recharging, cancellation, recovery and inquiry.
In one 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 golden finger interface; the financial account data storage area stores financial account data, and the payment account data storage area stores payment account data;
the specific implementation flow of the method is as follows:
SB101: establishing communication connection with the multifunctional card;
SB102: if a payment operation instruction is acquired, the payment operation instruction is sent to the multifunctional card, and the payment operation instruction is used for indicating the multifunctional card to perform reading and writing operations on the payment account data and the financial account data;
SB103: and if the financial operation instruction is acquired, sending the financial operation instruction to the multifunctional card, wherein the financial operation instruction is used for instructing the multifunctional card to perform read-write operation on the financial account data in the financial account data storage area.
In this embodiment, the terminal device may be a terminal with NFC communication function, such as a mobile phone, a tablet, a computer, a notebook, or a wearable device, or may be a terminal with a golden finger interface, such as a POS machine, a self-service banking terminal, or a self-service payment terminal, and a payment application is installed in the terminal.
In one embodiment, the payment account data includes billing metric data, the payment operation instruction includes a first payment operation instruction, and the 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 indicating the multifunctional card to read offline 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 one embodiment, the payment instruction includes a second payment instruction, and the specific implementation flow of SB102 in fig. 2 further includes:
SB201: 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 a payment amount according to charging measurement data carried in the second payment operation instruction;
SB202: acquiring 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 the 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;
SB203: 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 that the payment is completed, wherein the second payment operation instruction is used for indicating 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 number of each step in the foregoing embodiment does not mean that the execution sequence of each process should be determined by the function and the internal logic, and should not limit the implementation process of the embodiment 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 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 golden finger interface; the financial account data storage area stores financial account data, and the payment account data storage area stores payment account data.
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 multi-function card, including a billing terminal 30, the multi-function card 10 as described above, and a terminal device 10 implementing the steps of the method described in the second aspect above; the terminal device is in communication connection with the multifunctional card, which is in communication connection with the charging 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 multi-function 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 connected with the multifunctional card through a near field communication module or a golden finger interface;
step A03: if the operation instruction is a first payment operation instruction, the first payment operation instruction is sent to the multifunctional card, and the step B03 is skipped;
step A04: if the second payment operation instruction is the second payment operation instruction, the terminal equipment sends the second payment operation instruction to a 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 multifunctional card according to the payment result;
step B02: the multifunctional card performs read-write operation on the charging measurement data of the payment account data storage area according to the second payment instruction;
step B03: reading the offline wallet data and the billing 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 updated offline wallet data into the financial account data storage area; writing updated charging measurement data into a payment account data storage area;
step B04: and the golden finger interface/near field communication module is communicated with the charging terminal to recharge the charging terminal.
The above embodiments are only for illustrating the technical solution of the present invention, and not for limiting the same; although the 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 scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention, and are intended to be included in the scope of the present invention.
Claims (7)
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, the accounts comprise at least one financial account and at least one payment 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 financial account data storage area stores financial account data, and the payment account data storage area stores payment account data; the financial account and the payment account have different communication protocols;
the method comprises the following steps:
acquiring an operation instruction sent by terminal equipment; the operation instructions comprise financial operation instructions and payment operation instructions;
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, so as to realize payment and recharging of the financial account to the payment account;
paying fees to the charging terminal according to the payment account data;
the payment operation instruction comprises a second payment operation instruction; the reading and writing operation is carried out on the payment account data and the financial account data according to the payment operation instruction, and the method comprises the following steps:
acquiring a financial operation instruction sent by the terminal equipment, reading the financial account data according to the financial operation instruction, and sending the financial account data to the terminal equipment so that the terminal equipment sends the financial account data to a financial server and receives a payment result; the financial operation instruction is an operation instruction sent by the terminal equipment after the terminal equipment acquires a second payment operation instruction in a networking state;
acquiring a second payment operation instruction returned by the terminal equipment based on the payment result, and performing read-write operation on the charging measurement data of the payment account data storage area according to the second payment operation instruction;
the financial account data storage area also 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 carried out on the payment account data and the financial account data according to the payment operation instruction, and the method comprises the following steps:
acquiring a first payment operation instruction sent by the terminal equipment in an off-network state, and 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 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.
2. A multi-function card based payment method as recited in claim 1, wherein the method further comprises:
and sending offline wallet data to the terminal equipment so that the terminal equipment updates the financial account data according to the offline wallet data in a networking state.
3. A multi-function card based payment method as recited in claim 1, wherein the method further comprises:
and writing the total accumulated quantity, the allowance and the meter information of the charging terminal into a payment account data storage area through the golden finger interface/near field communication module.
4. The payment method based on the multifunctional card as claimed in claim 1, wherein the obtaining the operation instruction sent by the terminal device includes:
acquiring an operation instruction sent by the terminal equipment through a near field communication module or a golden finger interface;
the payment to the charging terminal according to the payment account data comprises the following steps:
and paying the fee to the charging terminal through the golden finger interface or the near field communication module according to the fee paying account data.
5. 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, the accounts comprise at least one financial account and at least one payment 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 financial account data storage area stores financial account data, and the payment account data storage area stores payment account data; the financial account and the payment account have different communication protocols;
the method comprises the following steps:
establishing communication connection with the multifunctional card;
if a payment operation instruction is acquired, the payment operation instruction is sent to the multifunctional card, and the payment operation instruction is used for indicating the multifunctional card to perform reading and writing operations on the payment account data and the financial account data;
if the financial operation instruction is acquired, sending the financial operation instruction to the multifunctional card, wherein the financial operation instruction is used for instructing the multifunctional card to perform read-write operation on financial account data in the financial account data storage area;
the payment account data includes billing measurement data, the payment operation instruction includes a second payment operation instruction, and if the payment operation instruction is acquired, the payment operation instruction is sent to the multifunctional card, including:
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 a payment amount according to charging measurement data carried in the second payment operation instruction;
acquiring 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 the 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;
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 that the payment is completed, wherein the second payment operation instruction is used for indicating the multifunctional card to perform read-write operation on the charging measurement data of the payment account data storage area;
the payment account data comprises charging measurement data, the payment operation instruction comprises a first payment operation instruction, and if the payment operation instruction is acquired, the payment operation instruction is sent to the multifunctional card, and the method comprises the following steps:
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 indicating the multifunctional card to read offline 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.
6. A multi-function card capable of implementing the steps of the method of any one of claims 1 to 4.
7. A payment system based on a multifunctional card, characterized by comprising a charging terminal, a multifunctional card according to claim 6 and a terminal device implementing the method steps according to claim 5;
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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