CN113657885A - Mobile phone bank off-line collection and payment method and device - Google Patents

Mobile phone bank off-line collection and payment method and device Download PDF

Info

Publication number
CN113657885A
CN113657885A CN202110955429.6A CN202110955429A CN113657885A CN 113657885 A CN113657885 A CN 113657885A CN 202110955429 A CN202110955429 A CN 202110955429A CN 113657885 A CN113657885 A CN 113657885A
Authority
CN
China
Prior art keywords
user
mobile phone
phone bank
bank account
sim card
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN202110955429.6A
Other languages
Chinese (zh)
Inventor
王娟
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Bank of China Ltd
Original Assignee
Bank of China Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Bank of China Ltd filed Critical Bank of China Ltd
Priority to CN202110955429.6A priority Critical patent/CN113657885A/en
Publication of CN113657885A publication Critical patent/CN113657885A/en
Pending legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221—Access to banking information through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a mobile banking offline payment receiving and paying method and a mobile banking offline payment receiving and paying device, which can be used in the field of finance, wherein the method comprises the following steps: a first mobile phone bank installed at a first terminal where a first user is located receives a collection request for a second user submitted by the first user in an off-line state; the first mobile phone bank acquires the mobile phone bank account information of the second user from the SIM card of the second user through the NFC connection between the first terminal and the second terminal where the second user is located according to the money receiving request; the first mobile phone bank executes the money collection operation according to the mobile phone bank account information of the second user; after the first mobile phone bank recovers the online state, the collection operation result is synchronized to the bank account background. The invention can realize the operation of receiving and paying without network by the mode of storing information by the SIM card and transmitting information by near field communication, thereby bringing convenience to the user in the situation of no network.

Description

Mobile phone bank off-line collection and payment method and device
Technical Field
The invention relates to the field of finance, in particular to a method and a device for receiving and paying off line by a mobile phone bank.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, when a user uses a payment and receipt function in a mobile phone bank APP (Application), the user needs to log in the mobile phone bank APP first in a network environment, and the payment and receipt operation cannot be completed in a non-network environment. Therefore, how to complete the collection and payment operations in a network-free environment while ensuring information security is a technical problem to be solved urgently at present.
Disclosure of Invention
The embodiment of the invention provides an off-line collection and payment method for a mobile banking, which is used for solving the problem that an APP (application) of the mobile banking can not complete collection and payment operations in a network-free environment, and comprises the following steps:
a first mobile phone bank installed at a first terminal where a first user is located receives a collection request for a second user submitted by the first user in an off-line state;
the first mobile phone bank acquires the mobile phone bank account information of the second user from the SIM card of the second user through the NFC connection between the first terminal and the second terminal where the second user is located according to the money receiving request;
the first mobile phone bank executes the money collection operation according to the mobile phone bank account information of the second user;
after the first mobile phone bank recovers the online state, the collection operation result is synchronized to the bank account background.
The embodiment of the invention also provides an offline payment and receipt device for a mobile banking, which is applied to a first mobile banking installed at a first terminal where a first user is located, and is used for solving the problem that an APP (application) of the mobile banking cannot complete payment and receipt operation in a network-free environment, and the device comprises:
the receiving request module is used for receiving a collection request which is submitted by a first user and aims at a second user in an off-line state;
the NFC module is used for acquiring mobile banking account information of the second user from an SIM card of the second user through NFC connection between the first terminal and a second terminal where the second user is located according to the money receiving request;
the collection module is used for executing collection operation according to the mobile banking account information of the second user;
and the synchronization module is used for synchronizing the collection operation result to the bank account background after the online state is recovered.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be operated on the processor, wherein the processor executes the computer program to realize the mobile banking offline payment receiving and paying method.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the mobile banking offline payment and collection.
In the embodiment of the invention, a first mobile phone bank installed at a first terminal where a first user is located receives a collection request for a second user submitted by the first user in an off-line state; the first mobile phone bank acquires the mobile phone bank account information of the second user from the SIM card of the second user through the NFC connection between the first terminal and the second terminal where the second user is located according to the money receiving request; the first mobile phone bank executes the money collection operation according to the mobile phone bank account information of the second user; after the online state of the first mobile phone bank is recovered, the collection operation result is synchronized to the bank account background, compared with the technical scheme that the collection and payment operation of the APP of the mobile phone bank in the prior art is completed under the network environment, the operation of collecting and paying can be completed without a network by the mode of storing information by the SIM card and transmitting the information by the near field communication mode, and therefore convenience is brought to the collection and payment of a user under the condition without the network.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flow chart of an embodiment of the invention of a method for receiving and paying off-line by a mobile banking machine;
FIG. 2 is a flowchart of an embodiment of a method for receiving and paying off-line by a mobile banking machine according to the present invention;
FIG. 3 is a schematic structural diagram of an offline payment and receipt apparatus for a mobile banking machine according to an embodiment of the present invention;
FIG. 4 is a schematic structural diagram of an embodiment of an offline payment/receipt apparatus for a mobile banking machine according to the present invention;
fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Embodiments of the present invention relate to the following terms, which are explained as follows:
SIM card: the sim (subscriber Identity module) card is an integrated circuit card held by the mobile subscriber, called a subscriber Identity card.
NFC: near Field Communication (NFC for short), devices (e.g., mobile phones) using NFC technology can exchange data when they are close to each other, and are integrated and evolved from non-contact radio frequency identification and interconnection technology, and by integrating functions of an induction card reader, an induction card and point-to-point Communication on a single chip, applications such as mobile payment, electronic ticketing, door access, mobile identity identification, anti-counterfeiting and the like are realized by using a mobile terminal.
In order to complete the operation of receiving and paying without a network, the embodiment of the invention realizes the convenience for receiving and paying the user under the condition without the network by the mode of storing information by the SIM card and transmitting the information in the near field communication mode. Fig. 1 is a flowchart of an off-line payment and receipt method of a mobile banking in the embodiment of the invention. As shown in fig. 1, the method for receiving and paying off-line by mobile banking in the embodiment of the present invention may include:
step 101, a first mobile phone bank installed at a first terminal where a first user is located receives a collection request for a second user submitted by the first user in an offline state;
102, the first mobile phone bank acquires the mobile phone bank account information of the second user from the SIM card of the second user through the NFC connection between the first terminal and the second terminal where the second user is located according to the collection request;
103, the first mobile phone bank executes the money collection operation according to the mobile phone bank account information of the second user;
and step 104, synchronizing the collection operation result to the bank account background after the first mobile phone bank restores the online state.
As can be known from the flow shown in fig. 1, the mobile banking offline payment and receipt in the embodiment of the present invention is different from the technical scheme in which the mobile banking APP completes the payment and receipt operation in the network environment in the prior art, and the operation of payment and receipt can be completed without a network in a manner of storing information by the SIM card and transmitting information in a near field communication manner, so that convenience is brought to the user in a situation without a network.
In one embodiment, when a first mobile banking installed in a first terminal where a first user is located is in an offline state, receiving a collection request submitted by the first user for a second user may be: the first terminal may be a first mobile phone of a first user, the first terminal may be equipped with a mobile banking APP, and receive a collection request submitted by the first user for a second user in an offline state without network connection, for example, the first terminal is a first mobile phone, the first mobile phone is equipped with the mobile banking APP, and the first mobile phone receives a collection request submitted by the first user for the second user in the offline state.
In one embodiment, for step 102, for example, the first terminal is a first mobile phone with an NFC function, with an inserted SIM card, and with a first mobile phone bank, the second terminal is a second mobile phone with an NFC function, with an inserted SIM card, and with a second mobile phone bank, and the first mobile phone bank obtains mobile phone bank account information of the second user from the SIM card of the second user through NFC connection between the first mobile phone and the second mobile phone where the second user is located according to the money receiving request.
In an embodiment, the mobile banking account information of the second user may be stored in the SIM card of the second user by binding the SIM card of the second user to the mobile banking account of the second user when the second user registers in the second mobile banking installed in the second terminal. For example, the second terminal is a second mobile phone with an NFC function, and has a SIM card mobile phone and a second mobile phone bank APP, when the second user registers the second mobile phone bank APP, the second mobile phone bank APP obtains the storage right and the reading right of the second mobile phone, and stores the mobile phone bank account information of the second user into the SIM card of the second user by binding the SIM card of the second user to the mobile phone bank account of the second user, and the SIM card plays a role in storing the mobile phone bank account information.
In order to further improve the security of offline payment and receipt by the mobile phone bank, in an embodiment, the first mobile phone bank obtains the mobile phone bank account information of the second user from the SIM card of the second user through NFC connection between the first terminal and the second terminal where the second user is located according to the payment request, and may further include: and after the payment password input by the second user by the second mobile phone bank installed at the second terminal is compared with the mobile phone bank account payment password of the second user in the SIM card of the second user, the first mobile phone bank acquires the mobile phone bank account information of the second user from the SIM card of the second user through the NFC connection between the first terminal and the second terminal where the second user is located according to the collection request. For example, the second terminal is a mobile phone with an NFC function and equipped with an SIM card, and a second mobile phone bank is installed with a second mobile phone bank, the second user inputs a payment password through a second mobile phone keyboard, the second mobile phone bank compares the payment password input through the second mobile phone keyboard with a bank account payment password of the second user stored in the SIM card of the second mobile phone, and the comparison is consistent, the first mobile phone bank obtains mobile phone bank account information of the second user from the SIM card of the second user through NFC connection between the first terminal and the second terminal where the second user is located according to the collection request.
In one embodiment, for step 103, for example, the first mobile phone bank performs deduction of the amount of money in the mobile phone bank account of the second user and deposits the amount of money in the mobile phone bank account of the first user according to the mobile phone bank account information of the second user, thereby completing the money collection operation.
In one embodiment, the collection request includes a collection amount; the mobile banking account information includes the available balance of the mobile banking account of the second user, and the first mobile banking performs the money receiving operation according to the mobile banking account information of the second user, and may include: and when the available balance of the mobile phone bank account of the second user is not less than the collection amount, the first mobile phone bank executes collection operation, for example, the collection request comprises the collection amount of 100 yuan RMB, the mobile phone bank account information comprises that the available balance of the mobile phone bank account of the second user is 1000 yuan RMB, the available balance of the mobile phone bank account of the second user is judged to be 1000 yuan RMB and not less than the collection amount of 100 yuan RMB, and the collection operation is executed.
In one embodiment, for step 104, for example, when the first bank transitions from an offline state without network connection to an online state with network connection, the collection operation of 100 yuan for collection from the offline state is synchronized to the bank account background.
Fig. 2 is a processing flow chart of an embodiment of a method for receiving and paying off-line by a mobile banking machine according to the present invention. As shown in fig. 2, the method for receiving and paying off-line by mobile banking in the embodiment of the present invention may further include:
step 201, when the first mobile phone bank registers the first user, the mobile phone bank account information of the first user is stored in the SIM card of the first user by binding the SIM card of the first user to the mobile phone bank account of the first user.
As can be known from the flow shown in fig. 2, the mobile banking offline payment and receipt of the embodiment of the present invention is different from the technical scheme in which the mobile banking APP completes the payment and receipt operation in the network environment in the prior art, and the mobile banking account information is stored in the SIM card by binding the SIM card to the mobile banking account when the mobile banking APP registers, so that the SIM stores the mobile banking account information, thereby providing the mobile banking account information for the mobile banking offline payment and receipt under the safe circumstance.
In one embodiment, when the first mobile phone bank registers the first user, the step of storing the mobile phone bank account information of the first user into the SIM card of the first user by binding the SIM card of the first user to the mobile phone bank account of the first user may be: for example, a first mobile phone bank is installed in a mobile phone of a first user, the mobile phone device of the first user is provided with an SIM card, when the first mobile phone bank registers the first user, the mobile phone bank obtains the storage right and the reading right of the mobile phone of the first user, and stores mobile phone bank account information of the first user into the SIM card of a second user by binding the SIM card of the first user to the mobile phone bank account of the first user, and the SIM card plays a role in storing the mobile phone bank account information.
In one embodiment, after the first mobile phone bank restores the online status, synchronizing the result of the collection operation to the bank account background may include: after the online state of the first mobile phone bank is recovered, the balance after the mobile phone bank account of the first user collects money and the balance after the mobile phone bank account of the second user pays money are synchronized to the bank account background, so that the bank account background updates the balance after the mobile phone bank account of the first user collects money to the SIM card of the first user and updates the balance after the mobile phone bank account of the second user pays money to the SIM card of the second user. For example, before offline payment receiving, the amount of the mobile phone bank account of the first user is 1000 yuan, the amount of the mobile phone bank account of the second user is 1000 yuan, when the offline state is the offline state, the amount of money received for offline payment receiving is 100 yuan, when the network connection is changed to the online state, the first mobile phone bank synchronizes the balance 1100 yuan after the mobile phone bank account of the first user is received in the offline state and the balance 900 yuan after the mobile phone bank account of the second user is paid to the bank account background, so that the bank account background updates the balance 1100 yuan after the mobile phone bank account of the first user is received to the SIM card of the first user, and updates the balance 900 yuan after the mobile phone bank account of the second user is paid to the SIM card of the second user.
The embodiment of the invention also provides an off-line collection and payment device for the mobile banking, which is described in the following embodiment. The principle of the device for solving the problems is similar to the mobile phone bank offline collection and payment method, so the implementation of the device can refer to the implementation of the mobile phone bank offline collection and payment method, and repeated details are not repeated.
Fig. 3 is a schematic structural diagram of an offline payment and receipt device of a mobile banking machine in an embodiment of the present invention. As shown in fig. 3, the device for receiving and paying off-line by mobile banking in the embodiment of the present invention may include:
a request receiving module 301, configured to receive, in an offline state, a collection request submitted by a first user and addressed to a second user, by a first mobile phone bank installed at a first terminal where the first user is located;
the NFC module 302 is used for acquiring mobile banking account information of the second user from the SIM card of the second user through NFC connection between the first terminal and the second terminal where the second user is located according to the collection request by the first mobile banking;
the collection module 303 is used for the first mobile phone bank to execute collection operation according to the mobile phone bank account information of the second user;
and the synchronization module 304 is used for synchronizing the collection operation result to the bank account background after the first mobile phone bank recovers the online state.
In one embodiment, the mobile banking account information of the second user is stored in the SIM card of the second user by binding the SIM card of the second user to the mobile banking account of the second user when the second user registers in the second mobile banking installed in the second terminal.
In one embodiment, the collection request includes a collection amount; the mobile phone bank account information comprises the available balance of the mobile phone bank account of the second user; the collection module 303 is specifically configured to: and the first mobile phone bank executes the collection operation when the available balance of the mobile phone bank account of the second user is not less than the collection amount.
In an embodiment, the NFC module 302 is specifically configured to: and after the payment password input by the second user by a second mobile phone bank installed at the second terminal is compared with the mobile phone bank account payment password of the second user in the SIM card of the second user, acquiring the mobile phone bank account information of the second user from the SIM card of the second user through the NFC connection between the first terminal and the second terminal where the second user is located according to the collection request.
Fig. 4 is a schematic structural diagram of an embodiment of an offline payment and receipt apparatus for a mobile banking machine according to the embodiment of the present invention. As shown in fig. 4, the device for receiving and paying off-line by mobile banking in the embodiment of the present invention may include:
the SIM card processing module 401 is configured to, when the first mobile phone bank registers the first user, store the mobile phone bank account information of the first user into the SIM card of the first user by binding the SIM card of the first user to the mobile phone bank account of the first user.
In one embodiment, the synchronization module 304 is specifically configured to: after the online state of the first mobile phone bank is recovered, the balance after the mobile phone bank account of the first user collects money and the balance after the mobile phone bank account of the second user pays money are synchronized to the bank account background, so that the bank account background updates the balance after the mobile phone bank account of the first user collects money to the SIM card of the first user and updates the balance after the mobile phone bank account of the second user pays money to the SIM card of the second user.
Based on the aforementioned inventive concept, as shown in fig. 5, the present invention further provides a computer device 500, which includes a memory 510, a processor 520, and a computer program 530 stored in the memory 510 and executable on the processor 520, wherein the processor 520 executes the computer program 530 to implement the aforementioned method for receiving and paying off-line in mobile banking.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can be operated on the processor, wherein the processor executes the computer program to realize the mobile banking offline payment receiving and paying method.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the mobile banking offline payment receiving and paying method.
In the embodiment of the invention, a first mobile phone bank installed at a first terminal where a first user is located receives a collection request for a second user submitted by the first user in an off-line state; the first mobile phone bank acquires the mobile phone bank account information of the second user from the SIM card of the second user through the NFC connection between the first terminal and the second terminal where the second user is located according to the money receiving request; the first mobile phone bank executes the money collection operation according to the mobile phone bank account information of the second user; after the online state of the first mobile phone bank is recovered, the collection operation result is synchronized to the bank account background, compared with the technical scheme that the collection and payment operation of the APP of the mobile phone bank in the prior art is completed under the network environment, the operation of collecting and paying can be completed without a network by the mode of storing information by the SIM card and transmitting the information by the near field communication mode, and therefore convenience is brought to the collection and payment of a user under the condition without the network.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (14)

1. A mobile banking offline payment and receipt method is characterized by comprising the following steps:
a first mobile phone bank installed at a first terminal where a first user is located receives a collection request for a second user submitted by the first user in an off-line state;
the first mobile phone bank acquires the mobile phone bank account information of the second user from the SIM card of the second user through the NFC connection between the first terminal and the second terminal where the second user is located according to the money receiving request;
the first mobile phone bank executes the money collection operation according to the mobile phone bank account information of the second user;
after the first mobile phone bank recovers the online state, the collection operation result is synchronized to the bank account background.
2. The method as claimed in claim 1, wherein the mobile banking account information of the second user is stored in the SIM card of the second user by binding the SIM card of the second user to the mobile banking account of the second user when the second user registers in the second mobile banking installed in the second terminal.
3. The method as claimed in claim 1, wherein the first mobile banking obtaining the mobile banking account information of the second user from the SIM card of the second user through the NFC connection between the first terminal and the second terminal where the second user is located according to the collection request comprises:
and after the payment password input by the second user by the second mobile phone bank installed at the second terminal is compared with the mobile phone bank account payment password of the second user in the SIM card of the second user, the first mobile phone bank acquires the mobile phone bank account information of the second user from the SIM card of the second user through the NFC connection between the first terminal and the second terminal where the second user is located according to the collection request.
4. The method of claim 1, wherein the collection request includes a collection amount;
the mobile phone bank account information comprises the available balance of the mobile phone bank account of the second user;
the first mobile phone bank executes the collection operation according to the mobile phone bank account information of the second user, and the collection operation comprises the following steps:
and the first mobile phone bank executes the collection operation when the available balance of the mobile phone bank account of the second user is not less than the collection amount.
5. The method of claim 1, further comprising:
when the first mobile phone bank registers the first user, the first mobile phone bank account information of the first user is stored in the SIM card of the first user by binding the SIM card of the first user to the mobile phone bank account of the first user.
6. The method of claim 5, wherein the first cell phone bank synchronizing the collection operation results to the bank account back office after restoring online status, comprises:
after the online state of the first mobile phone bank is recovered, the balance after the mobile phone bank account of the first user collects money and the balance after the mobile phone bank account of the second user pays money are synchronized to the bank account background, so that the bank account background updates the balance after the mobile phone bank account of the first user collects money to the SIM card of the first user and updates the balance after the mobile phone bank account of the second user pays money to the SIM card of the second user.
7. The utility model provides a cell-phone bank off-line receipt payment device which characterized in that is applied to the first cell-phone bank of installing in first user place first terminal, the device includes:
the receiving request module is used for receiving a collection request which is submitted by a first user and aims at a second user in an off-line state;
the NFC module is used for acquiring mobile banking account information of the second user from an SIM card of the second user through NFC connection between the first terminal and a second terminal where the second user is located according to the money receiving request;
the collection module is used for executing collection operation according to the mobile banking account information of the second user;
and the synchronization module is used for synchronizing the collection operation result to the bank account background after the online state is recovered.
8. The apparatus of claim 7, wherein the mobile banking account information of the second user is stored in the SIM card of the second user by binding the SIM card of the second user to the mobile banking account of the second user when the second user registers in the second mobile banking installed in the second terminal.
9. The apparatus of claim 7, wherein the NFC module is specifically configured to:
and after the payment password input by the second user by a second mobile phone bank installed at the second terminal is compared with the mobile phone bank account payment password of the second user in the SIM card of the second user, acquiring the mobile phone bank account information of the second user from the SIM card of the second user through the NFC connection between the first terminal and the second terminal where the second user is located according to the collection request.
10. The apparatus of claim 7, wherein the collection request includes a collection amount;
the mobile phone bank account information comprises the available balance of the mobile phone bank account of the second user;
the collection module is specifically used for:
and executing the collection operation when the available balance of the mobile phone bank account of the second user is not less than the collection amount.
11. The apparatus of claim 7, further comprising:
and the SIM card processing module is used for storing the mobile phone bank account information of the first user into the SIM card of the first user by binding the SIM card of the first user to the mobile phone bank account of the first user when the first user is registered in the first mobile phone bank.
12. The apparatus of claim 11, wherein the synchronization module is specifically configured to:
after the online state is recovered, synchronizing the balance after the mobile phone bank account of the first user collects the money and the balance after the mobile phone bank account of the second user pays the money to a bank account background so that the bank account background updates the balance after the mobile phone bank account of the first user collects the money to the SIM card of the first user and updates the balance after the mobile phone bank account of the second user pays the money to the SIM card of the second user.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 6 when executing the computer program.
14. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 6.
CN202110955429.6A 2021-08-19 2021-08-19 Mobile phone bank off-line collection and payment method and device Pending CN113657885A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202110955429.6A CN113657885A (en) 2021-08-19 2021-08-19 Mobile phone bank off-line collection and payment method and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202110955429.6A CN113657885A (en) 2021-08-19 2021-08-19 Mobile phone bank off-line collection and payment method and device

Publications (1)

Publication Number Publication Date
CN113657885A true CN113657885A (en) 2021-11-16

Family

ID=78492415

Family Applications (1)

Application Number Title Priority Date Filing Date
CN202110955429.6A Pending CN113657885A (en) 2021-08-19 2021-08-19 Mobile phone bank off-line collection and payment method and device

Country Status (1)

Country Link
CN (1) CN113657885A (en)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102081768A (en) * 2009-11-27 2011-06-01 黄金富 China mobile phone POS (Point Of Sale) system and method for payment by inputting password and confirming
CN106296169A (en) * 2016-07-29 2017-01-04 宇龙计算机通信科技(深圳)有限公司 A kind of method of payment based on NFC and device
CN107665427A (en) * 2017-08-22 2018-02-06 阿里巴巴集团控股有限公司 A kind of offline electronic payment, business processing, the method and device of payment processes
CN111815320A (en) * 2020-07-16 2020-10-23 苏州区盟链数字科技有限公司 Digital wallet and double-off-line payment method based on face-to-face mutual scanning of mobile phone

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102081768A (en) * 2009-11-27 2011-06-01 黄金富 China mobile phone POS (Point Of Sale) system and method for payment by inputting password and confirming
CN106296169A (en) * 2016-07-29 2017-01-04 宇龙计算机通信科技(深圳)有限公司 A kind of method of payment based on NFC and device
CN107665427A (en) * 2017-08-22 2018-02-06 阿里巴巴集团控股有限公司 A kind of offline electronic payment, business processing, the method and device of payment processes
CN111815320A (en) * 2020-07-16 2020-10-23 苏州区盟链数字科技有限公司 Digital wallet and double-off-line payment method based on face-to-face mutual scanning of mobile phone

Similar Documents

Publication Publication Date Title
EP2439706A1 (en) Device, system and transaction method for integrating payment function and receipt function
CN104428822B (en) Contactless payment method, apparatus and system
CN111047430A (en) Accounting information processing method and device
CN107251069B (en) Near field communication payment method and terminal
CN112491885B (en) Electronic certificate transmission method, device and equipment
US20170154327A1 (en) Mobile Payment Method and Apparatus and Near Field Communication Device
CN109615384B (en) Method, device and server for generating timeliness check rule
CN105185005A (en) Invoice generating method and invoice generating equipment
CN105185004B (en) A kind of POS, card operation system and implementation method
CN104899731A (en) Mobile payment data transmission method, mobile payment data transmission device and mobile payment data transmission system
CN101604404A (en) A kind of Updatable universal smart card and system and method thereof
CN103619053A (en) Method for using user identification cards and communication system
JP2015500537A (en) Security information interaction system, apparatus and method based on extended parameter collection
CN113052347A (en) Foreign currency reservation method, device and system based on 5G message
CN104715368A (en) Method, device, system and relevant equipment for logging out electronic wallet
CN103886459A (en) Method and system for carrying out air recharge on RFID card electronic purse
WO2009017292A1 (en) Mobile status detection contactless module
CN113657885A (en) Mobile phone bank off-line collection and payment method and device
CN103699994B (en) A kind of method and system that space transference is carried out to mobile terminal stored value card
CN108038403B (en) Card reading method based on NFC technology and client
US20220092564A1 (en) Resource configuration methods, apparatuses, and systems
CN113301569B (en) Reserved mobile phone number replacement method and device
CN113537994A (en) Resource transfer method, device, equipment and medium
CN111178893B (en) Anti-theft safety authentication method and device
CN109102381B (en) Accounting processing method and device

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination