TWI496097B - Off - line value - added method and system - Google Patents

Description

Offline bonus method and system

The invention relates to the field of network resource data processing, and in particular to an offline value adding method and system.

With the continuous development of network technology, the network can provide a variety of electronic services, virtual resources, etc., users can use these network information to obtain the corresponding services or resources, in the course of these transactions inevitably involve the traditional The intervention of money. The initial transaction was to use cash as a means of payment while trading in virtual property, but this method was difficult to guarantee in terms of both the speed of payment and the security of the transaction. Therefore, a third-party trading system emerged. The user can be provided with a third-party virtual account, and the user completes the payment of the transaction by adding a value to the virtual account.

In the prior art, some third-party virtual account value-adding processes can be exchanged with the electronic money of the online bank by using the traditional currency, and then the exchange of the electronic bank currency with the designated virtual currency. However, the premise is that users first open online banking, the steps of opening and adding value are complicated, and the popular version of online banking has poor security and a certain transaction limit, while the professional version of online banking needs to install digital certificates on the user side. Therefore, only a small number of users use this method, and there is no widespread popularity, which has seriously hindered the development of third-party payment services.

The above-mentioned drawbacks of the prior art also exist in the process of adding value to various accounts such as online games, mobile communication, and fixed telephone communication. Therefore, appear A number of offline bonus methods allow users to easily and quickly complete the value-added account without opening an online bank. This method of offline value-added usually needs to complete the value-added through the payment network. The payment network has various business modes, such as convenience stores, air-value added, self-service terminals, etc. The operation modes of different outlets are also different, for example, Convenience stores use cash registers, air-value-added mobile phones, and self-service terminals that use card-only devices.

However, when adding value through these payment outlets, it is necessary to provide the account name to be added as the identification of the identity. Cash registers, self-service terminals, etc. usually only input digital information, and do not have the function of inputting English letters. Therefore, for account names with complicated account information (such as account names including letters, special characters, etc.), record and input. It is difficult or even impossible to complete at these outlets, making it impossible to add value to such accounts.

Therefore, a technical problem that needs to be solved urgently by those skilled in the art is how to add value to an account with a complicated account name and difficulty in positioning at a network point where only digital information can be input, thereby truly getting rid of the dependence on the online banking.

In view of this, an object of the present invention is to provide an offline value adding method and system, which solves the problem that the prior art has difficulty in registering accounts with complicated account names.

To achieve the above object, the present invention provides the following solutions:

According to a specific embodiment provided by the present invention, the present invention discloses the following techniques Effect:

First, the present invention utilizes the mobile terminal carried by the user as the identification of the user identity. When the user performs the value-added service at the network point, the network point initiates a value-added instruction to the third-party payment system according to the user mobile terminal number and the amount, and the third-party payment system randomly generates An added value code corresponding to the user-specified mobile terminal. After obtaining the added value code, the user can use his designated mobile terminal to add a value to his account. It can be seen that the method does not need to input the account name at the network point for authentication, but input the mobile terminal number instead, thereby avoiding the problem of difficulty in registering the account, so that regardless of the complexity of the user account name, the account can be realized. Added value.

Secondly, after obtaining the value-added code, the user logs in to the third-party payment system for adding value, and the third-party payment system sends a dynamic password to the designated mobile terminal as the password of the value-added code, and the user can correctly complete the input of the dynamic password. value. The account can be bound to the mobile terminal number, and after the value-added code is obtained, the mobile terminal directly sends the value to the third-party payment system through the designated mobile terminal, and the third-party payment system directly uses the mobile terminal number. User identity verification can be performed and the bonus can be completed. Therefore, the separation of the value code and the password from time and place is achieved, and the security of the funds is effectively protected. The added value code can be displayed in clear code. Even if it is lost, it can be retrieved through the third-party payment system without affecting the user's use.

In order to make the above objects, features and advantages of the present invention more comprehensible, the invention will be further Explain in detail.

Referring to FIG. 1, the method for offline value added provided by the present invention includes the following steps:

S101: the partner terminal inputs the value-added amount of the user and the first mobile terminal number, and sends the input value-added information to the server; wherein the partner may be a financial partner network (including a counter of the banking system, self-service Terminals, postal services, credit unions, etc.) or ordinary merchant outlets.

The first mobile terminal may be a communication tool such as a mobile phone or a PHS, or another portable tool capable of transmitting and receiving information, and the like has a feature of being portable and having a unique identity, and the identification information is usually represented by a digital digit. , such as mobile phone numbers, etc. The identification information is used to verify the identity of the user.

The server includes a network game server, a third party payment system, and the like.

The user can bring his own value-added amount to the partner terminal, input the amount to be added and his mobile terminal number through the partner terminal, and input the information (value added amount and mobile terminal number). Sent to the server.

S102: The server generates an value-added code corresponding to the added amount and the first mobile terminal number, and provides the value-added code to the user; when the user initiates the value, the first A mobile terminal number performs identity verification and adds a value to the user account based on the added value code.

Receiving, by the server, the added amount sent by the partner terminal and After the first mobile terminal number, the legality and authenticity of the transaction can be determined, and then an added value code is generated, and the added value code is provided to the user. The value-added code can be provided to the user in multiple manners, such as returning the generated value-added code to the partner terminal, and the partner terminal can print the added value code and deliver it to the user. If the partner terminal does not have the condition to complete the above operation, the server may also send the generated value code to the user directly, for example, by using the first mobile terminal number, sending the message to the user by using a short message.

In practical applications, in order to facilitate the user to verify the information, the server may also provide related information such as the added amount and the first mobile terminal number to the user, and the user may check the information to prevent the user from operating the error and the like. The damage caused.

It is worth noting that the user has not added the added amount to his account after obtaining the bonus code. At this time, if the user wants to complete the value added to his account, he can initiate a value-added request to the server, but in order to ensure the authenticity of the transaction, the user cannot complete the added value by the bonus code alone, but also through the first move. The terminal number is authenticated. If the verification is passed, the server adds the amount corresponding to the value-added code to the user's account.

The method for offline value added according to the embodiment of the present invention, by using the embodiment of the present invention, directly inputting an added amount in the partner terminal, and using the mobile terminal number as the identity verification, and sending the server to the server, the server It is possible to generate an added value corresponding to the input bonus amount and the mobile terminal number, and provide it to the user. Therefore, it is not necessary to input information such as the account name of the user at the partner terminal, even if the terminal can only input a digit. to make. After obtaining the value-added code, the user may send the value-added code to the server to initiate the value-added, and the server verifies the identity of the user by using the mobile terminal number corresponding to the value-added code. The added value of the account. Therefore, the problem of difficult account location is solved.

Among them, the user can initiate a value addition to the server in a number of different ways. For example, one of the preferred ways may be to log in to the account through the server and then enter the bonus code to initiate the bonus. In this manner, after receiving the user's value-adding request, the server may perform authentication on the user by sending a dynamic password to the user by using the first mobile terminal number in a manner such as a short message, and prompting the user to input the Dynamic password. If the user can input correctly, the user is considered to have passed the authentication, and then the server can add the added amount corresponding to the value-added code to the account that the user logs in.

This method is equivalent to using the dynamic password as the password of the value-added code, and the value code and the password are separated from the time and place, which effectively protects the security of the user funds. Therefore, the value-added code can be displayed in clear code, and even if it is lost, the user can apply to the server to re-acquire the value-added code, and the server can verify the time, location, amount, mobile terminal number and other information paid by the partner terminal. Resending the value-added code to the user's mobile terminal does not affect the user's use.

Another preferred method may be to initiate an addition to the server by means of a short message or voice of the mobile terminal. In this case, the user's first mobile terminal number may be bound in advance to the user's account, so that when the user sends the value-added code to the server through the second mobile terminal, the server may Determining whether the user passes the identity verification by directly determining whether the second mobile terminal number used to initiate the value-added is the same as the first mobile terminal number. If the same, the amount corresponding to the value-added code can be directly added to the In the account that is bound to the mobile terminal. In this way, the user can complete the added value without logging in to the server, which simplifies the process of adding value and improves the efficiency of the added value.

Of course, when the mobile terminal initiates the value addition method, the account of other users can also be added. For example, user A binds his mobile phone number A to his own account; user B obtains the bonus code with his mobile phone number B, and user B can use his mobile phone number B to initiate a value addition to the server, and will add The added value corresponding to the value code is added to the account of user A bound to mobile phone number A.

As can be seen from the above description, through the embodiments of the present invention, both the location of the user identity information and the security of the funds are effectively guaranteed.

In practical applications, in order to better adapt to the prior art processing flow, the server side can preset an offline summary account for storing the added value of the user who has made an offline bonus but has not transferred to his own account. To this end, the payment clearing step can be performed before the value-added code is generated, so as to maintain the balance of funds and ensure the normal operation of the funds. The present invention can be implemented in a variety of ways. The following is a description of the preferred embodiments of the present invention, which are merely intended to illustrate the implementation of the present invention and are not to be construed as limiting the invention.

Method 1: The partner opens a partner account on the server in advance and performs pre-value added. After receiving the value-added information of the partner terminal, the server first Determine whether the partner account is sufficient. If sufficient, deduct the amount equal to the added value from the partner account (since the partner collects the user's funds, it is reasonable to deduct the corresponding account from the partner) and transfer Enter the preset offline resolution account. After the user initiates the bonus, the corresponding funds can be transferred from the offline summary account to the user's account.

This method is generally applicable to the case where the partner is an ordinary merchant. When the partner is a financial cooperation network, the following method can be adopted.

Method 2: The server creates a server account on the partner side, and can also perform pre-value added. In this case, after receiving the value-added information of the partner terminal, the server may use the advance payment method to add the added value from the server account to the preset offline summary account, and similarly, when After the user initiates the added value, the corresponding payment can be transferred from the offline summary account to the user's account. The partner can transfer the bonus amount to the server account after the transaction to ensure the balance of payments.

In order to better understand the method provided by the embodiment of the present invention, a detailed description will be made below through specific examples.

Referring to FIG. 2, in this example, the partner is an ordinary merchant, and a merchant account is opened in the server in advance, and a pre-value is added. The user's mobile terminal is a mobile phone, and the login account is used to initiate the added value. Then the method comprises the following steps:

S201: The user takes the mobile phone and cash or bank card to the merchant outlet;

S202: the network operator inputs relevant information according to the user request, including the added value and the mobile phone number;

S203: The network terminal sends a value-added request to the server.

S204: The server verifies the authenticity and legality of the request.

S205: After the verification is passed, it is determined whether the amount of the merchant account is sufficient. If sufficient, the amount equal to the added amount is deducted from the merchant account, and the account is transferred to the offline account, and the system generates a unique bonus code, and the added code Corresponds to the bonus information received.

S206: the server returns the generated value code, the mobile phone number and the amount information, and the charging result to the merchant outlet terminal;

S207: after receiving the terminal, the extension code is delivered to the user, and the user's added value is collected (a handling fee may also be charged);

S208: The user logs in to his account through the server, and inputs an added value code to initiate an added value;

S209: After receiving the value-added code, the server generates a dynamic password.

S210: The server sends a dynamic password to the user by using a mobile phone number corresponding to the added value code;

S211: After receiving the dynamic password by using the mobile phone, the user inputs the dynamic password.

S212: After determining that the passwords are consistent, the server may transfer the value-added amount corresponding to the value-added code from the offline-resolved account to the account currently registered by the user.

The following describes an offline value-added system. Referring to FIG. 3, the system includes a partner terminal U301 and a server U302. The partner terminal U301 includes an input unit 3011 for inputting the user's added amount and the first mobile terminal number. ; The partner communication unit 3012 is configured to send the input value-added information to the server; the server U302 includes: an value-added code generating unit U3021, configured to generate an add-on corresponding to the added amount and the first mobile terminal number. a value communication code; a server communication unit U3022, configured to provide the value-added code to the user; and an identity verification unit U3023, configured to perform identity verification by using the first mobile terminal number when the user initiates the value addition; The value unit U3024, after the verification is passed, adds a value to the user account according to the added value code.

In the partner terminal U301, according to the user's needs, the user's value-added amount is input from the input unit U3011, and then the partner's communication unit U3012 sends the input value-added information, including the value-added amount and the first mobile terminal number, to the server. After the server U302 receives the value-added information sent by the partner terminal U301, the value-added code generating unit U3021 generates an value-added code corresponding to the added amount and the first mobile terminal number, and then the servo The communication unit U3022 provides the value-added code to the user (the server communication unit U3022 may first send the value-added code to the partner terminal, the user obtains the value-added code from the partner terminal, or directly adds the value-added code Sending to the user by using the first mobile terminal number; when the user initiates the value, the identity verification unit U3023 performs identity verification by using the first mobile terminal number, and after the verification is passed, the value-added unit U3024 adds the value according to the value The code adds a value to the user account.

The user can log in to his account through the server and input the value-added code to initiate the added value. Therefore, the dynamic password can be used for identity verification. In this case, see FIG. 4, the server U402. The authentication unit U4023 may include the following subunits: a password generation subunit U40231 for generating a dynamic password; a password transmission subunit U40232 for transmitting the dynamic password to the user according to the first mobile terminal number; password receiving The subunit U40233 is configured to receive the dynamic password input by the user, and determine the subunit U40234 to determine whether the dynamic password input by the user is correct. If the value is correct, the value adding unit is triggered to perform the value addition; the value adding unit U4024 is The value added code adds a value to the account that the user is currently logged into.

The partner terminal U401, the input unit U4011, the partner communication unit U4012, the value-added code generating unit U4021, the server communication unit U4022 in FIG. 4, the partner terminal U201 in FIG. 2, the input unit U2011, the partner communication unit U2012 The value-added code generating unit U2021 and the server communication unit U2022 are the same.

The user can also use the mobile terminal to send the value-added code to the server by SMS or voice to initiate the added value, so the identity verification can be performed directly according to the mobile terminal number that initiated the added value. In this case, see FIG. The identity verification unit U5023 may include the following subunit: a parsing subunit U50231 for parsing the second mobile terminal number that initiates the value added; The comparison subunit U50232 is configured to determine whether the second mobile terminal number that initiates the addition is the same as the first mobile terminal number, and if the same, the value added unit is triggered to perform the value addition; the value adding unit U5024 is based on the adding A value code that adds a value to a user account bound to the first mobile terminal number.

The partner terminal U501, the input unit U5011, the partner communication unit U5012, the value-added code generating unit U5021, the server communication unit U5022 in FIG. 5, the partner terminal U201 in FIG. 2, the input unit U2011, the partner communication unit U2012 The value-added code generating unit U2021 and the server communication unit U2022 are the same.

In order to adapt to the existing value-added system, referring to FIG. 6, the server U602 may further include: a first transfer unit U6025 for determining whether the amount of the partner account is sufficient, and if so, deducting the added amount from the partner account And transfer to the preset offline resolution account; the value-adding unit U6024 transfers the value-added amount from the offline summary account to the user account to complete the bonus.

The partner terminal U601, the input unit U6011, the partner communication unit U6012, the value-added code generating unit U6021, the server communication unit U6022, the identity verification unit U6023 in FIG. 6, and the partner terminal U201 and the input unit U2011 in FIG. The partner communication unit U2012, the bonus code generating unit U2021, the server communication unit U2022, and the identity verification unit U2023 are the same.

This kind of system is more suitable for the case where the partner is an ordinary merchant. If the partner is a financial system such as a bank, the following system can be adopted. Referring to FIG. 7, the server U702 further includes: a second transfer unit U7026, for deducting the added amount from the server account, and transferring the preset amount. The account is retired to the account; the value-adding unit U7024 transfers the value-added amount from the offline-resolved account to the user account to complete the value-added; the partner terminal U701 further includes: a third transfer unit U7013 for The added amount is added to the server account.

In the input unit U7011, the partner communication unit U7012, the value-added code generating unit U7021, the server communication unit U7022, the identity verification unit U7023, and the input unit U2011, the partner communication unit U2012, the value-added code in FIG. The generating unit U2021, the server communication unit U2022, and the identity verification unit U2023 are the same.

The foregoing is an exhaustive value-adding method and system provided by the present invention. The principles and embodiments of the present invention are described in detail herein. The description of the above embodiments is only for helping to understand the present invention. The method and its core idea; at the same time, there will be changes in the specific embodiments and application scope according to the idea of the present invention to those skilled in the art. In summary, the content of the specification should not be construed as limiting the invention.

U301‧‧‧Partner terminal

U302‧‧‧Server

U3011‧‧‧ input unit

U3012‧‧‧Partner Communication Unit

U3021‧‧‧value code generation unit

U3022‧‧‧Server communication unit

U3023‧‧‧Authentication unit

U3024‧‧‧value unit

U401‧‧‧Partner terminal

U402‧‧‧Server

U4011‧‧‧ input unit

U4012‧‧‧Partner Communication Unit

U4021‧‧‧value code generation unit

U4022‧‧‧Server communication unit

U4023‧‧‧Authentication unit

U40231‧‧‧ password generation subunit

U40232‧‧‧Password transmission subunit

U40233‧‧‧Password receiving subunit

U40234‧‧‧ judgment subunit

U4024‧‧‧Value Unit

U501‧‧‧Partner terminal

U5011‧‧‧ input unit

U5012‧‧‧Partner Communication Unit

U502‧‧‧Server

U5021‧‧‧value code generation unit

U5022‧‧‧Server communication unit

U5023‧‧‧Authentication unit

U50231‧‧‧ analytical subunit

U50232‧‧‧Compare subunit

U5024‧‧‧Value Unit

U601‧‧‧Partner terminal

U6011‧‧‧ input unit

U6012‧‧‧Partner Communication Unit

U602‧‧‧Server

U6021‧‧‧value code generation unit

U6022‧‧‧Server Communication Unit

U6023‧‧‧Authentication unit

U6024‧‧‧Value Unit

U6025‧‧‧First Transfer Unit

U701‧‧‧Partner terminal

U7011‧‧‧ input unit

U7012‧‧‧Partner Communication Unit

U702‧‧‧Server

U7021‧‧‧value code generation unit

U7022‧‧‧Server Communication Unit

U7023‧‧‧Authentication unit

U7024‧‧‧Value Unit

U7026‧‧‧Second transfer unit

U7013‧‧‧3rd transfer unit

1 is a flowchart of a method provided by an embodiment of the present invention; 2 is a schematic diagram of another method according to an embodiment of the present invention; FIG. 3 is a schematic diagram of a first system according to an embodiment of the present invention; FIG. 4 is a schematic diagram of a second system according to an embodiment of the present invention; FIG. 6 is a schematic diagram of a fourth system according to an embodiment of the present invention; FIG. 7 is a schematic diagram of a fifth system according to an embodiment of the present invention.

Claims (8)

An offline value-adding method, comprising: inputting, by a partner terminal, an added value of a user and a first mobile terminal number, and transmitting the input value-added information to a server; the server generates the added amount and the added amount The first mobile terminal number corresponding to the value-added code, and the value-added code is provided to the user; when the user initiates the value-added, the first mobile terminal number is used for identity verification, after the verification is passed, according to the The value-added code adds a value to the user account, wherein the user logs in the user account through the server to input the value-added code to initiate the value-added, and uses the first mobile terminal number to perform identity verification, and according to the added value code, The specific implementation of the user account is: generating a dynamic password, and sending the dynamic password to the user according to the first mobile terminal number; receiving the dynamic password input by the user, if correct, authenticating, according to the added value The code adds a value to the account that the user is currently logged into. The method of claim 1, wherein the first mobile terminal number is bound to the user account, and the user initiates an added value by inputting the value-added code by the mobile terminal, and the first mobile terminal number is used for identity. And the specific implementation of the value added to the user account according to the value-added code is: determining whether the second mobile terminal number that initiates the value-added is the same as the first mobile terminal number; if the same, according to the value-added code, A value is added to the user account bound to the first mobile terminal number. The method of claim 1, wherein the partner opens a partner account on the server and pre-adds a value, and before the generating the value code, the method further comprises: determining whether the amount of the partner account is sufficient, if Yes, the added value is deducted from the partner account and transferred to a preset offline account; after the authentication is passed, the added amount is transferred from the offline account to the user account, and the completion is completed. Added value. The method of claim 1, wherein the server opens a server account and pre-adds a value to the partner, and before the generating the value code, the method further comprises: deducting the added amount from the server account. And transfer to the preset offline summary account; after the authentication is passed, the added amount is transferred from the offline summary account to the user account, and the added value is completed; the partner adds the added amount to the server account. An offline value-added system, comprising a partner terminal and a server, wherein the partner terminal comprises: an input unit, configured to input a user's added amount and a first mobile terminal number; and a partner communication unit, The input value added information is sent to the server; the server includes: The value-added code generating unit is configured to generate an value-added code corresponding to the value-added amount and the first mobile terminal number; a server communication unit configured to provide the value-added code to the user; and an identity verification unit When the user initiates the value-added, the first mobile terminal number is used for identity verification; and the value-adding unit is configured to add a value to the user account according to the value-added code after the verification is passed, where the identity verification unit includes a password generating subunit for generating a dynamic password; a password sending subunit for transmitting the dynamic password to the user according to the first mobile terminal number; and a password receiving subunit for receiving the dynamic password input by the user; The determining subunit is configured to determine whether the dynamic password input by the user is correct. If it is correct, the value adding unit is triggered to perform an added value; the value adding unit adds a value to the account currently registered by the user according to the added value code. The system of claim 5, wherein the identity verification unit comprises: a parsing subunit for parsing a second mobile terminal number that initiates the value addition; and a comparison subunit for determining the first value of the originating value If the mobile terminal number is the same as the first mobile terminal number, if the same, the value-added unit is triggered to perform the value addition; The value-adding unit then adds a value to the user account bound to the first mobile terminal number according to the value-added code. The system of claim 5, wherein the server further comprises: a first transfer unit, configured to determine whether the amount of the partner account is sufficient, and if so, deducting the added amount from the partner account, And transfer to the preset offline summary account; the value-adding unit transfers the added amount from the offline summary account to the user account, and completes the bonus. The system of claim 5, wherein the server further comprises: a second transfer unit for deducting the added amount from the server account and transferring the preset offline account; the added value The unit transfers the value-added amount from the offline-resolved account to the user account to complete the value-added; the partner terminal further includes: a third transfer unit, configured to add the added amount to the server account.