CN113781042A - Safe settlement control method for electronic children money saving terminal - Google Patents
Safe settlement control method for electronic children money saving terminal Download PDFInfo
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- CN113781042A CN113781042A CN202111083760.XA CN202111083760A CN113781042A CN 113781042 A CN113781042 A CN 113781042A CN 202111083760 A CN202111083760 A CN 202111083760A CN 113781042 A CN113781042 A CN 113781042A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The application discloses a safe settlement control method for an electronic children money saving terminal, wherein the electronic children money saving terminal is in communication connection with a server, a parent terminal is used for configuring a mobile phone terminal for control and is also in communication connection with the server, meanwhile, the mobile phone terminal calls an account mode of a bank to transfer or exchange the digital RMB wallet card of the electronic children money saving terminal, the server is configured with MAC addresses corresponding to the electronic children money saving terminals, the mobile phone terminal extracts the MAC addresses of the electronic children money saving terminals, binds the MAC addresses with the physical addresses of the mobile phone terminal and then packages and sends the MAC addresses to the server, the server grants the mobile phone terminal registration authority after verifying the MAC address of the electronic children money saving terminal, and the mobile phone terminal calls an account mode of a bank to transfer or convert the digital RMB wallet card of the electronic children money saving terminal. The application can ensure the working safety of the electronic children money deposit terminal based on the digital RMB technology so as to ensure the safety of the children money deposit, and simultaneously cultivate good money view and life skills of the children, thereby meeting and responding to the desire requests of the children.
Description
Technical Field
The application relates to the technical field of financial interaction equipment, in particular to a safe settlement control method for an electronic children money saving terminal.
Background
The traditional electronic saving pot exists based on a bank account system, and the digital RMB can transfer money between wallets without the bank account system, so that how to develop the electronic saving pot based on the characteristics of the digital RMB is one of the problems to be solved.
Second, the child cultivates at the top of his monetary view. With the reduction of the real RMB, the means and the mode of saving money for teenagers and children are changed, the digital RMB can be separated from the traditional paper money mode, and the digital money concept of the teenagers and children is developed. In addition, the traditional electronic saving pot uses an IC card, so that the risk is increased, and if the digital characteristics of the digital RMB can be properly applied, the consumption safety of teenagers and children can be better ensured by comprehensively using the technologies of a digital certificate system, digital signatures, safe encryption storage and the like.
Disclosure of Invention
The present application is directed to overcoming the above-mentioned problems or at least partially solving or alleviating the above-mentioned problems, and provides a safe settlement control method for an electronic child money deposit terminal, which can ensure the operational safety of the electronic child money deposit terminal based on the digital rmb technology, so as to ensure the safety of the child money deposit, and at the same time, foster good monetary view and life skills of the child, and satisfy and respond to the desire request of the child.
According to an aspect of the present application, there is provided a secure settlement control method for an electronic child saving terminal, wherein, the electronic children saving terminal is connected with the server in a communication way, the parent terminal is used for configuring the mobile phone terminal for control and is connected with the server in the same communication way, meanwhile, the mobile phone terminal calls an account mode of a bank to transfer or exchange the digital RMB wallet card of the electronic children money saving terminal, the server is configured with MAC addresses corresponding to the electronic children money saving terminals, the mobile phone terminal extracts the MAC addresses of the electronic children money saving terminals, binds the MAC addresses with the physical addresses of the mobile phone terminal and then packages and sends the MAC addresses to the server, the server grants the mobile phone terminal registration authority after verifying the MAC address of the electronic children money saving terminal, and the mobile phone terminal calls an account mode of a bank to transfer or convert the digital RMB wallet card of the electronic children money saving terminal.
For the above technical solution, the applicant has further optimization measures.
Optionally, the electronic child saving terminal adopts SE encryption technology to read wallet information of the digital RMB wallet card arranged therein.
Further, the digital RMB wallet card comprises a digital RMB hard wallet and a digital RMB hard card soft wallet.
Optionally, the mobile phone terminal calls a digital renminbi wallet to transfer accounts for the digital renminbi wallet card in the electronic child money saving terminal.
Further, the identity of the user is verified through a distributed digital identity verification method in the process of transferring accounts by the mobile phone terminal.
Optionally, the parents configure tasks for the children at the electronic children money saving terminal through the mobile phone terminal and respectively configure reward money for the tasks, the children confirm to settle accounts at the electronic children money saving terminal by the parents after completing the tasks, and the numerical value of the stored digital RMB is updated for the digital RMB wallet card at the electronic children money saving terminal.
Furthermore, after the children receive and complete the tasks at the electronic children money saving terminal, the tasks can be sent to the mobile phone terminal of the parents through a touch screen or a language input function, the mobile phone terminal confirms that the tasks are completed and transfer confirmation is carried out, and the reward money confirmed by transfer is updated to the digital RMB wallet card of the electronic children money saving terminal.
Furthermore, an NFC read-write module is configured at the electronic child money saving terminal and is in communication connection with the digital RMB wallet card and used for performing offline transfer to the digital RMB wallet card according to an NFC reading result.
Compared with the prior art, the application has the advantages that:
1. the application discloses a safe settlement control method for an electronic children money saving terminal, which adopts verification of MAC addresses of the electronic children money saving terminal, so that the overall safety is improved, meanwhile, problem tracing is convenient to carry out, the electronic children money saving terminal based on the method can enable teenagers to pay by separating from paper money, meanwhile, the children wish request is issued with specific tasks and the payment of digital reward money is carried out, not only can good habits and mastery skills of the teenagers be cultivated, but also good monetary observation is facilitated.
2. The safe settlement control method for the electronic children money saving terminal can use the digital RMB wallet to perform money transfer operation, is distinguished from an integral system, is real money, such as the price of a purchased toy, and can also ensure the money using safety of children. The digital RMB technical architecture system can ensure that the children use the money to be supervised by parents. The digital RMB is based on a DID distributed technology, and a user uses a payment scene to whiten completely.
3. The digital RMB frame system ensures that the digital RMB frame system is safe and free of channel cost when the digital RMB frame system is circulated in the accounts of the children with the digital wallet and the accounts of the parents with the digital wallet.
The above and other objects, advantages and features of the present application will become more apparent to those skilled in the art from the following detailed description of specific embodiments thereof, taken in conjunction with the accompanying drawings.
Drawings
Some specific embodiments of the present application will be described in detail hereinafter by way of illustration and not limitation with reference to the accompanying drawings. The same reference numbers in the drawings identify the same or similar elements or components. Those skilled in the art will appreciate that the drawings are not necessarily drawn to scale. In the drawings:
fig. 1 is a functional block diagram according to an embodiment of the present application, illustrating a secure settlement control method for an electronic child saving terminal.
Detailed Description
The technical solutions of the present invention will be described clearly and completely with reference to the accompanying drawings, and it should be understood that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
According to an aspect of the present application, there is provided a secure settlement control method for an electronic child saving terminal, wherein, the electronic children saving terminal is connected with the server in a communication way, the parent terminal is used for configuring the mobile phone terminal for control and is connected with the server in the same communication way, meanwhile, the mobile phone terminal calls an account mode of a bank to transfer or exchange the digital RMB wallet card of the electronic children money saving terminal, the server is configured with MAC addresses corresponding to the electronic children money saving terminals, the mobile phone terminal extracts the MAC addresses of the electronic children money saving terminals, binds the MAC addresses with the physical addresses of the mobile phone terminal and then packages and sends the MAC addresses to the server, the server grants the mobile phone terminal registration authority after verifying the MAC address of the electronic children money saving terminal, and the mobile phone terminal calls an account mode of a bank to transfer or convert the digital RMB wallet card of the electronic children money saving terminal.
And the electronic child money saving terminal adopts SE encryption technology to read wallet information of the digital RMB wallet card arranged in the electronic child money saving terminal. The digital RMB wallet card comprises a digital RMB hard wallet and a digital RMB hard card soft wallet.
And the mobile phone terminal calls the digital RMB wallet to transfer accounts for the digital RMB wallet card in the electronic children money saving terminal. And the identity of the user is verified by a distributed digital identity verification method in the process of transferring accounts by the mobile phone terminal.
The electronic children money saving terminal is provided with a display screen, tasks corresponding to desire requests are displayed on the display screen, and children can directionally check and sell the tasks after the tasks are completed until the tasks are completely completed. The children are in after electron children deposit terminal department accepts the task and accomplishes, can pass through touch-sensitive screen or language input function, send the task to the cell-phone terminal of head of a family department and accomplish the message, by the cell-phone terminal confirms that the completion carries out the transfer of accounts and confirms, transfer of accounts and confirm the award money is updated promptly to the digital RMB wallet card of electron children deposit terminal.
The system is also provided with a storage card bound with the electronic children money saving terminal, a card reader used for reading and writing the storage card is arranged at the electronic children money saving terminal, the storage card reads the digital RMB wallet card at the electronic children money saving terminal, and the information reading of the digital RMB is realized between the electronic children money saving terminal and the storage card by using an SE encryption technology. And the parent places configure the mobile phone terminal to call an account mode of a bank to transfer or cash out the digital RMB wallet card of the electronic children money saving terminal.
And an NFC read-write module is configured at the electronic child money deposit terminal and is in communication connection with the digital RMB wallet card and used for performing offline transfer to the digital RMB wallet card according to an NFC reading result. The method is particularly suitable for timely storage under the line of children. For example, the NFC module may be turned on at the electronic child savings terminal and the digital rmb-based collection module may transfer offline to the child digital rmb wallet card using a "by one" mode with each bank digital rmb wallet.
Based on the content recorded in the above embodiment, the child may propose a desire to the parent through the electronic child money saving terminal, may use an existing conventional desire setting, may also be customized by a language, or may be specifically configured through an App at the parent's mobile phone terminal. And after receiving the message fed back by the App, the parents open the digital RMB module, the amount of money is controlled by the mobile phone terminals of the parents, and the money is redeemed from the digital RMB wallet, or the money is redeemed from the digital RMB wallet card in the electronic children money saving terminal of the children to other digital RMB wallet transfer modules, so that the wishes of the children are realized by combining task release completion.
Parents link to the server end through using the mobile phone end App to issue tasks for children. The system can edit and customize other personal operations, can also use a completed task combination children electronic saving pot machine to be networked, receives information sent by a server, prompts the children to receive the tasks by language, and displays the tasks on a task bar in a touch screen. The corresponding task has the corresponding digital RMB amount. After the children receive and complete the tasks, the children can send task completion messages to the server through a touch screen or a language input function. And after receiving the task completion message, the server sends task completion prompt information to the parent App.
For the issued tasks, parents can cancel the tasks and confirm the completion of the tasks through the App at the mobile phone terminal. After the task is completed, the transfer module may be invoked. In addition, the children insert the digital RMB hard wallet or the digital RMB hard card soft wallet into the machine to read the wallet information. The wallet information can be read in the machine tool, the digital RMB hard wallet and the digital RMB hard card soft wallet by using SE encryption technology.
The parents can adjust the account mode of the bank through the App at the mobile phone terminal to exchange the digital RMB wallet card in the children machine, or adjust other digital RMB wallets to transfer accounts for the digital RMB wallet card in the children machine. And (3) realizing transfer or cashing back operation to a bank card account system from the machine channel by using a DID distributed digital identity scheme by using a communication module and a digital RMB hard wallet, a digital RMB hard card soft wallet and a specified digital RMB wallet.
Based on the technical characteristics of the above embodiments, the electronic children money saving terminal of the present application has the following advantages:
1. the application discloses a safe settlement control method for an electronic children money saving terminal, which adopts verification of MAC addresses of the electronic children money saving terminal, so that the overall safety is improved, meanwhile, problem tracing is convenient to carry out, the electronic children money saving terminal based on the method can enable teenagers to pay by separating from paper money, meanwhile, the children wish request is issued with specific tasks and the payment of digital reward money is carried out, not only can good habits and mastery skills of the teenagers be cultivated, but also good monetary observation is facilitated.
2. The safe settlement control method for the electronic children money saving terminal can use the digital RMB wallet to perform money transfer operation, is distinguished from an integral system, is real money, such as the price of a purchased toy, and can also ensure the money using safety of children. The digital RMB technical architecture system can ensure that the children use the money to be supervised by parents. The digital RMB is based on a DID distributed technology, and a user uses a payment scene to whiten completely.
3. The digital RMB frame system ensures that the digital RMB frame system is safe and free of channel cost when the digital RMB frame system is circulated in the accounts of the children with the digital wallet and the accounts of the parents with the digital wallet.
The above description is only for the preferred embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered within the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (8)
1. A safe settlement control method for an electronic children saving terminal is provided, wherein the electronic children saving terminal is connected with a server in a communication way, a parent terminal is used for configuring a mobile phone terminal for control and is also connected with the server in a communication way, meanwhile, the mobile phone terminal calls an account mode of a bank to transfer or exchange the digital RMB wallet card of the electronic children money saving terminal, the server is configured with MAC addresses corresponding to the electronic children money saving terminals, the mobile phone terminal extracts the MAC addresses of the electronic children money saving terminals, binds the MAC addresses with the physical addresses of the mobile phone terminal and then packages and sends the MAC addresses to the server, the server grants the mobile phone terminal registration authority after verifying the MAC address of the electronic children money saving terminal, and the mobile phone terminal calls an account mode of a bank to transfer or convert the digital RMB wallet card of the electronic children money saving terminal.
2. The secure settlement control method for an electronic child saving terminal according to claim 1, wherein wallet information reading is performed at the electronic child saving terminal on a digital renminbi wallet card set therein using an SE encryption technique.
3. A secure settlement control method for an electronic child saving terminal according to claim 2, wherein the digital renminbi wallet card comprises a digital renminbi hard wallet, a digital renminbi hard card soft wallet.
4. The secure settlement control method for an electronic child saving terminal according to claim 1, wherein the mobile phone terminal invokes a digital renminbi wallet to transfer money to a digital renminbi wallet card in the electronic child saving terminal.
5. The secure settlement control method for an electronic children's saving terminal according to claim 4, wherein the user's identity is verified by a distributed digital authentication method in the process of the transfer by the mobile phone terminal.
6. The secure settlement control method for an electronic child saving terminal according to claim 1, wherein the parents configure tasks for the children at the electronic child saving terminal through the mobile phone terminal and individually configure prize money for the tasks, the children confirm by the parents that the settlement is performed at the electronic child saving terminal after the tasks are completed, and the numerical value of the stored digital renminbi is updated for the digital renminbi wallet card at the electronic child saving terminal.
7. The safe settlement control method for the electronic child saving terminal according to claim 7, wherein after the child accepts and completes the task at the electronic child saving terminal, a task completion message is sent to the mobile phone terminal of the parent through a touch screen or a language input function, the completion of the task is confirmed by the mobile phone terminal and transfer confirmation is performed, and the award money confirmed by the transfer is updated to the digital renminbi wallet card of the electronic child saving terminal.
8. The secure settlement control method for the electronic children's saving terminal according to claim 6 or 7, wherein an NFC read-write module is configured at the electronic children's saving terminal, and the NFC read-write module is communicatively connected with the digital RMB wallet card and is used for performing offline transfer to the digital RMB wallet card according to an NFC reading result.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202111083760.XA CN113781042A (en) | 2021-09-16 | 2021-09-16 | Safe settlement control method for electronic children money saving terminal |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202111083760.XA CN113781042A (en) | 2021-09-16 | 2021-09-16 | Safe settlement control method for electronic children money saving terminal |
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| CN113781042A true CN113781042A (en) | 2021-12-10 |
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