CN201322961Y - Mobile communication-based non-contact card application management system - Google Patents
Mobile communication-based non-contact card application management system Download PDFInfo
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- CN201322961Y CN201322961Y CNU2008202008968U CN200820200896U CN201322961Y CN 201322961 Y CN201322961 Y CN 201322961Y CN U2008202008968 U CNU2008202008968 U CN U2008202008968U CN 200820200896 U CN200820200896 U CN 200820200896U CN 201322961 Y CN201322961 Y CN 201322961Y
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Abstract
The utility model provides a mobile communication-based non-contact card application management system, which comprises an application and off-line account management platform (1), a movable paying platform (2) and a movable terminal (4), wherein the application and off-line account management platform (1) is connected with the movable paying platform (2); the movable terminal (4) is connected with the application and off-line account management platform (1) through a non-contact sensing identifying device (3); and the movable terminal (4) accesses into a mobile communication network of the movable paying platform (2). The wireless communication device is adopted as an electronic currency for different electronic payment platforms, thereby preventing the weaknesses that a user carries a great amount of IC cards; moreover, the consumption behavior of the user can be analyzed; and according to the consumption habit and favor, precise consumption information can be sent to the user, thereby providing precise marketing double-direction service to the trade company and the users, and further promoting the development of the electronic payment mode.
Description
Technical field
The utility model belongs to be paid by mails and radio communication interleaving techniques field, particularly relates to a kind of non-contact card application management system based on mobile communication.
Technical background
E-Payment at present is very general, no longer be a kind of fashion by bankcard consumption, but slowly transition is that a kind of life is essential.Paying by mails often adopts IC-card as carrier, IC-card is in public transportation system, city all-purpose card, supermarket, park etc., and gate inhibition, remote identity identification, and fields such as information transmission except that fund, identity information and storage service all bring into play significant role, have greatly made things convenient for the people's work life.
Yet, along with making rapid progress of technical development, IC-card begins a large amount of injections, more common mass transit card, bank card, campus card, group internal gate inhibition card, consumption card, purchase card or the like of comprising, the user often needs to be equipped with oneself a lot of IC-cards of opening, not only be not easy identification, the difficult note of password, and lose easily, carry inconvenience, process is more lengthy and jumbled to open card, supplement with money etc., and has certain potential safety hazard, originally its to have purpose be that people's for convenience IC-card brings a lot of inconvenience to people on the contrary gradually.
Along with development of wireless communication devices, the popularity rate of Wireless Telecom Equipment, particularly mobile phone also promotes greatly, if can combine with paying by mails with Wireless Telecom Equipment, undoubtedly will be in conjunction with both advantages, and avoided the above-mentioned shortcoming of paying by mails.
The utility model content
The purpose of this utility model is to overcome the deficiencies in the prior art, and the non-contact card application management system based on mobile communication of the advantage of a kind of combining wireless communication technology and E-Payment in one is provided.
In order to realize above-mentioned utility model purpose, the technical scheme of employing is as follows:
A kind of non-contact card application management system based on mobile communication, comprise and using and off-line account management platform, mobile payment platform and portable terminal, described application and off-line account management platform, mobile payment platform interconnect, described portable terminal is connected with application and off-line account management platform by noncontact induction recognition device, and portable terminal inserts the mobile communications network of mobile payment platform.
The utility model is with mobile radio communication device and various application platforms such as portable terminals, particularly the payment transaction platform combines, realize that radio communication combines with the advantage of E-Payment, application and off-line account management platform can adopt public transportation system, it also can be " swiping the card " payment platform of various common and future developments such as supermarket, as paying required card by mails, the user only need carry portable terminal and then equal to carry all various application and the required card of off-line account management platform the utility model with portable terminal.And will use and the off-line account management platform is connected with portable terminal by mobile radio networks, make application and off-line account management platform except managing in the process of using portable terminal to pay consumption by mails to the user, the consumer behavior of all right analysis user, and according to this user's consumption habit and hobby, for it issues accurate consumption information, issue corresponding reward voucher, be embodied as the bi-directional service such as precision marketing that trade company and user provide.
In the technique scheme, the mobile communications network that described portable terminal inserts mobile payment platform comprises that portable terminal is corresponding with the mobile subscriber, and the payment account that is used for consuming on management system of the present utility model that promptly portable terminal is set uses the particular account of this portable terminal access mobile payment platform consistent with the user; Perhaps the payment account of portable terminal setting bundlees mutually with the particular account that the user uses this portable terminal to insert mobile payment platform.Adopting mobile phone with portable terminal is example, mobile phone can adopt the sim card number sign indicating number of mobile phone at payment account of the present utility model, it also can be account of special setting, but the account, the number with the sim card bundled mutually, so far, the user need not special booking when application and the consumption of off-line account management platform, the utility model will remove consumption charge by bales catch in the pairing account of the employed portable terminal of user.
Noncontact induction recognition device between described portable terminal and application and the off-line account management platform adopts the radio-frequency (RF) identification mode, the frequency that described radio-frequency (RF) identification adopts is 13.56M or 2.4G, and concrete portable terminal can adopt the mobile phone of the two interfaces of band sim card or mobile phone or NFC mobile phone or the SWP mobile phone or the band RFID single mode card mobile phone of band RFsim card.
Different mobile terminal is as shown in the table:
Type | Frequency | Advantage | Shortcoming | Compatible |
Two interfaces sim card | 13.56M | Only need on the sim card, just can realize contactless identification by external antenna, transform less and the control sim of operator value chain that user's replacement cost is less. | External antenna has a requirement to mobile phone terminal is adaptive, is not suitable for the mobile phone of metal shell on the back, and reading/writing distance has certain limitation. | Identical with public transport sector application frequency, it is compatible not need hardware modification to get final product |
RFsim | 2.4G | Only need to transform the sim card and just can realize non-contact application, need not external antenna, the control value chain, it is better that the user experiences equally in operator. | Reading/writing distance can only rely on read write line to control, and causes user distance far just to cross easily and is identified, and has certain potential safety hazard | Incompatible with existing sector application frequency major part, it is bigger to need hardware to change, and the cost input is bigger |
NFC | 13.56M | Transform on mobile phone terminal fully, need not the transformation of sim card, the conduct of sim card is new tunnel more. | It is higher that the user changes the mobile phone cost, is limited by the terminal merchant in the operation, the application extension difficulty. | Identical with public transport sector application frequency, it is compatible not need hardware modification to get final product |
SWP | 13.56M | The Sim card increases contactless safety chip, and antenna is built in the mobile phone terminal, need not to increase the outer antenna that pastes. | It is higher that the user changes the mobile phone cost, but operator can be by control sim card, control industrial chain. | Identical with present public transport sector application frequency, it is compatible not need hardware modification to get final product |
RFID single mode card | 13.56M | Be not subjected to the mobile phone terminal class limitations, use threshold low, directly paste and phone housing. | Be separated with mobile phone sim card, can't realize professional renewal flexibly, combine not strong with cell-phone function. | Identical with present public transport sector application frequency, it is compatible not need hardware modification to get final product |
Application described in the utility model and off-line account management platform comprise and connect trade company's platform, higher management platform successively, supplement three parts such as platform with money; Described trade company platform is made up of consumption terminal and data gather computer, and consumption terminal is connected by the noncontact induction mode with portable terminal; Described higher management platform by transaction processing nucleus module, trade company's access module, trade company's administration module, system management module, electronic certificate administration module, card management module, user management module, key management module, supplement interface module with money, the mutual coordinate operation of interface management module constitutes, and also be provided with and supplement account database and consumption database of record with money, described trade company access module is connected with the trade company platform, the interface management module is connected with mobile payment platform, supplements interface module with money and is connected with the platform of supplementing with money of portable terminal.
Described mobile payment platform comprises third party's system platform, payment product platform, user's access platform three parts that connect successively; Described third party's system platform is made up of BOSS system and intelligent network; Described payment product platform is made up of transaction processing nucleus module, interface management module, system management module, application access module, Self-Service module, the mutual coordinate operation of user access administration module, and also be provided with online account database and transaction record database, described interface management module is connected with third party's system platform, described application access module is connected with management platform, and described user access administration module is connected with user's access platform.
A kind of non-contact card application management method based on mobile communication, the user uses portable terminal to consume in application and off-line account management platform, by application and off-line account management platform process of consumption is managed, and the consumption amount of money is paid by mobile payment platform.
In the technique scheme, the management that described application and off-line account management platform are carried out comprises inquiry, reports the loss, online consumption, off-line consumption, supplement with money, person identification, precision marketing, online upgrading.
The utility model is set up the modality for co-operation of win-win cooperation by mobile radio networks operator, various applied business platform provider and clearing service provider etc., respectively holds its duty, respectively gets its profit, user friendly daily life.
The utility model passes through portable terminal, particularly adopt the electronic money of mobile phone as various application platforms, also will have now various common and be extended to following various IC-cards and be integrated on the mobile phone as much as to say, make mobile phone except the function of himself, can also use on various application platforms, removed the disadvantage that the user carries a large amount of different IC-cards from, made things convenient for user's life and work, and can also pass through management platform leading subscriber data, the consumer behavior of analysis user, consumption habit and hobby according to the user, for it issues accurate consumption information, issue corresponding reward voucher, be embodied as the bi-directional service of the precision marketing that trade company and user provide, further promote the development of E-Payment pattern.
Description of drawings
Fig. 1 is a structural representation of the present utility model;
Fig. 2 is an example structure synoptic diagram of the present utility model;
Fig. 3 is a searching and managing process flow diagram of the present utility model;
Fig. 4 is the management flow chart of reporting the loss of the present utility model;
Fig. 5 is an online upgrading management flow chart of the present utility model;
Fig. 6 is the management flow chart of supplementing with money of the present utility model;
Fig. 7 is an authentication management flow chart of the present utility model.
Embodiment
Below in conjunction with accompanying drawing the utility model is described further.
Structural representation of the present utility model as shown in Figure 1, comprise and using and off-line account management platform 1, mobile payment platform 2 and portable terminal 4, described application and off-line account management platform 1, mobile payment platform 2 connect successively, and described portable terminal 4 is mutual with application and off-line account management platform 1 by noncontact induction recognition device 3.
As a specific embodiment, structural representation of the present utility model as shown in Figure 2, described application and off-line account management platform 1 comprise successively the trade company's platform 11, the higher management platform 12 that connect, supplement platform 13 3 parts with money; Described trade company platform 11 is made up of consumption terminal 111 and data gather computer 112, and consumption terminal 111 is connected by noncontact induction mode 3 with portable terminal 4; Described higher management platform 12 is by transaction processing nucleus module 121, trade company's access module 123, trade company's administration module 122, system management module 124, electronic certificate administration module 125, card management module 126, user management module 127, key management module 128, supplement interface module 129 with money, interface management module 130 mutual coordinate operation constitute, and also be provided with off-line wallet account 6 and consumption database of record 7, described trade company access module 123 is connected with trade company platform 11, interface management module 130 is connected with mobile payment platform 2, supplements interface module 129 with money and supplements platform 13 with money and be connected.
Described mobile payment platform 2 comprises third party's system platform 21, payment product platform 22, user's access platform 23 3 parts that connect successively; Described third party's system platform 21 is made up of BOSS system 211 and intelligent network 212; Described payment product platform 22 is by transaction processing nucleus module 221, interface management module 222, system management module 226, use access module 223, Self-Service module 225, user access administration module 224 mutual coordinate operation are formed, and also be provided with online wallet account 8 and transaction record database 9, described interface management module 222 is connected with third party's system platform 21, described application access module 223 is connected with application and off-line account management platform 1, described user access administration module 224 is connected with user's access platform 23, and mobile subscriber 5 uses portable terminal 4 can pass through Web, WAP, IVR, modes such as SMS insert user's access platform 23.
Searching and managing of the present utility model as shown in Figure 3, the cellphone subscriber submits the inquiry application at the mobile phone or the network terminal, because payment account bundlees with the cellphone subscriber, so the inquiry application will be passed through purview certification earlier, after the purview certification success, mobile payment platform is according to the database server corresponding data of inquiry application retrieval background management system, return Query Result, the cellphone subscriber just can (comprise accounts information by forms such as note, WAP, STK acquisition Query Information like this, supplement record with money, the record of transferring accounts, consumption record, remaining sum record etc.).
Of the present utility modelly report the loss management as shown in Figure 4, the cellphone subscriber submits at mobile phone or the network terminal or phone and reports the loss application, system carries out authentication earlier, freeze this cellphone subscriber's account by the back mobile payment platform, and freeze card by mobile communications network and hold the offline e wallet, then by using and the consumption information of cellphone subscriber in application platform gathered, adjusted to the off-line account management platform, finish accounting after, the cellphone subscriber can mend card and obtain to adjust after remaining sum etc.
Online upgrading management of the present utility model as shown in Figure 5, mobile payment platform issues the function upgrading notice, mobile phone terminal is being received this notice back submission upgrade request, behind purview certification, mobile payment platform issues the function upgrading data by modes such as note, data communication, USSD, mobile phone terminal carries out function upgrading after receiving this upgrade data, and staging error then returns error code, withdraws from escalation process after the success.
Of the present utility modelly supplement management with money as shown in Figure 6, the cellphone subscriber (uses the STK program, note, K-JAVA, forms such as WAP) application is supplemented in transmission with money, transmission is supplemented application information with money to using and the off-line account management platform, application and off-line account management platform are forwarded to mobile payment platform with this application, mobile payment platform is supplemented this with money application and is classified as the BOSS credit account, the small amount payment account, the integration account, Unionpay's account, corresponding different the supplementing with money of the different accounts operation of deducting fees, finish deduct fees after, mobile payment platform (utilizing aerial note or circle to deposit terminal etc.) writes stored value card in the mobile phone card by data SMS with corresponding recharge amount, and notifies the user by the form that sends note.
Authentication management of the present utility model as shown in Figure 7, this function is applied to fields such as gate inhibition, work attendance, internal consumption, VIP system, reward voucher mobile phone, the user swipes the card at the facility of application and off-line account management platform, facility read the cellphone subscriber and block interior raw information (physics card number), facility transmit user profile and consume amount of money data to mobile payment platform, whether consumption facility checking cellphone subscriber card is white list or blacklist card, after the checking, and the facility output signal.
Claims (6)
1, a kind of non-contact card application management system based on mobile communication, it is characterized in that comprising and use and off-line account management platform (1), mobile payment platform (2) and portable terminal (4), described application and off-line account management platform (1) and mobile payment platform (2) interconnect, described portable terminal (4) is connected with application and off-line account management platform (1) by noncontact induction recognition device (3), and portable terminal (4) inserts the mobile communications network of mobile payment platform (2).
2, the non-contact card application management system based on mobile communication according to claim 1 is characterized in that the noncontact induction recognition device (3) between described portable terminal (4) and application and the off-line account management platform (1) adopts radio frequency identification equipment.
3, the non-contact card application management system based on mobile communication according to claim 2 is characterized in that the frequency that described radio frequency identification equipment adopts is 13.56M or 2.4G.
4, the non-contact card application management system based on mobile communication according to claim 1 is characterized in that described application and off-line account management platform (1) comprise trade company's platform (11), higher management platform (12), supplement platform (13) three parts with money;
Described trade company platform (11) is made up of consumption terminal (111) and data gather computer (112), and consumption terminal (111) is connected by noncontact induction (3) with portable terminal (4);
Described higher management platform (12) is by transaction processing nucleus module (121), trade company's access module (123), trade company's administration module (122), system management module (124), electronic certificate administration module (125), card management module (126), user management module (127), key management module (128), supplement interface module (129) with money, interface management module (130) coordinate operation mutually constitutes, and also be provided with off-line wallet account database (6) and consumption database of record (7), described trade company access module (123) is connected with trade company's platform (11), interface management module (130) is connected with mobile payment platform (2), supplements interface module (129) with money and supplements platform (13) in the air with money and be connected.
5, the non-contact card application management system based on mobile communication according to claim 1 is characterized in that described mobile payment platform (2) comprises third party's system platform (21), payment product platform (22), user's access platform (23) three parts that connect successively;
Described third party's system platform (21) is made up of BOSS system (211) and intelligent network (212);
Described payment product platform (22) is by transaction processing nucleus module (221), interface management module (222), system management module (226), use access module (223), Self-Service module (225), user access administration module (224) coordinate operation is mutually formed, and also be provided with online wallet account database (8) and transaction record database (9), described interface management module (222) is connected with third party's system platform (21), described application access module (223) is connected with application and off-line account management platform (1), and described user access administration module (224) is connected with user's access platform (23).
6,, it is characterized in that described portable terminal (4) adopts the mobile phone of the two interfaces of band sim card or mobile phone or NFC mobile phone or the SWP mobile phone or the band RFID single mode card mobile phone of band RFsim card according to each described non-contact card application management system of claim 1 to 5 based on mobile communication.
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CNU2008202008968U CN201322961Y (en) | 2008-09-23 | 2008-09-23 | Mobile communication-based non-contact card application management system |
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CNU2008202008968U CN201322961Y (en) | 2008-09-23 | 2008-09-23 | Mobile communication-based non-contact card application management system |
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Cited By (6)
Publication number | Priority date | Publication date | Assignee | Title |
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CN102208070A (en) * | 2010-03-31 | 2011-10-05 | 黄金富 | Large/small amount payment system and method implemented by using RF-SIM (radio frequency-subscriber identity module) card mobile phone |
CN102208120A (en) * | 2010-03-31 | 2011-10-05 | 黄金富 | Double-path authentication payment system and method based on radio frequency-subscriber identity module (RF-SIM) card and virtual mobile phone bank card |
CN101840599B (en) * | 2009-12-31 | 2012-03-07 | 北京握奇数据系统有限公司 | Earmark method and system of electronic purse |
CN103544244A (en) * | 2013-09-30 | 2014-01-29 | 小米科技有限责任公司 | Information processing method and device and mobile terminal |
CN103559756A (en) * | 2013-11-12 | 2014-02-05 | 蔡迎辉 | System and method for recharging contactless IC (Integrated Circuit) card by using NFC (Near Field Communication) mobile phone |
WO2014146504A1 (en) * | 2013-03-18 | 2014-09-25 | Tencent Technology (Shenzhen) Company Limited | Method, apparatus, and system for processing transactions |
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2008
- 2008-09-23 CN CNU2008202008968U patent/CN201322961Y/en not_active Expired - Fee Related
Cited By (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN101840599B (en) * | 2009-12-31 | 2012-03-07 | 北京握奇数据系统有限公司 | Earmark method and system of electronic purse |
CN102208070A (en) * | 2010-03-31 | 2011-10-05 | 黄金富 | Large/small amount payment system and method implemented by using RF-SIM (radio frequency-subscriber identity module) card mobile phone |
CN102208120A (en) * | 2010-03-31 | 2011-10-05 | 黄金富 | Double-path authentication payment system and method based on radio frequency-subscriber identity module (RF-SIM) card and virtual mobile phone bank card |
WO2014146504A1 (en) * | 2013-03-18 | 2014-09-25 | Tencent Technology (Shenzhen) Company Limited | Method, apparatus, and system for processing transactions |
CN103544244A (en) * | 2013-09-30 | 2014-01-29 | 小米科技有限责任公司 | Information processing method and device and mobile terminal |
CN103559756A (en) * | 2013-11-12 | 2014-02-05 | 蔡迎辉 | System and method for recharging contactless IC (Integrated Circuit) card by using NFC (Near Field Communication) mobile phone |
CN103559756B (en) * | 2013-11-12 | 2016-04-20 | 蔡迎辉 | A kind of system and method utilizing NFC mobile phone to supplement with money to non-contact IC card |
CN103559756B9 (en) * | 2013-11-12 | 2016-08-10 | 蔡迎辉 | A kind of system and method utilizing NFC mobile phone to supplement with money to non-contact IC card |
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C14 | Grant of patent or utility model | ||
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CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20091007 Termination date: 20100923 |