WO2015176393A1 - 短距离通信终端、智能卡充值系统及方法 - Google Patents
短距离通信终端、智能卡充值系统及方法 Download PDFInfo
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- WO2015176393A1 WO2015176393A1 PCT/CN2014/083834 CN2014083834W WO2015176393A1 WO 2015176393 A1 WO2015176393 A1 WO 2015176393A1 CN 2014083834 W CN2014083834 W CN 2014083834W WO 2015176393 A1 WO2015176393 A1 WO 2015176393A1
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- smart card
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- communication terminal
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- distance communication
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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
Definitions
- the present invention relates to the field of communications, and in particular, to a short-range communication terminal, a smart card refill system, and a method.
- Background Art Currently, users pay for instant payment of various services through an offline wallet of a smart card, including public transportation, meals, movies, and the like.
- the offline wallet user usually goes to the fixed point of the card issuing party to recharge.
- the current recharge method cannot satisfy the requirement of the offline wallet user to immediately recharge.
- there are many operators of smart cards at present, and smart cards issued by different operators need to be recharged at their own outlets. When multiple operators provide services in the same area, there is a problem of repeated construction of recharge outlets and card-sweeping terminals. Overall, the current implementation has the following deficiencies:
- an embodiment of the present invention provides a smart card refilling method, including: setting an offline wallet on a short-distance communication terminal; and depositing a preset amount from the financial system into the offline wallet; Use short-range communication to recharge the smart card to be recharged.
- the method before the charging of the smart card by using the short-distance communication by the offline wallet, the method further includes: acquiring, by the short-range communication terminal, a refill key of the smart card.
- the method before the charging of the smart card by using the short-distance communication, the method further includes: determining whether the short-distance communication terminal is in a no-mobile network environment, and if yes, passing the offline The wallet recharges the smart card using short-range communication.
- the charging of the smart card by using the short-distance communication by the offline wallet includes: acquiring, by the short-range communication terminal, card information of the smart card by short-distance communication; the short-distance communication terminal And searching for the corresponding recharge key according to the obtained card information; the short-distance communication terminal refills the smart card according to the obtained recharge key and the recharge amount input by the user to recharge the smart card.
- the method further includes converting the acquired card information into a set information format;
- the short-range communication terminal sending the refilling instruction to the smart card includes: converting the refilling instruction into an information format corresponding to the smart card model.
- the short-range communication is near field communication or Bluetooth communication.
- the present invention further provides a short-range communication terminal, including an offline wallet setting module, a payment management module, a smart card processing module, and a short-range communication module; and the offline wallet setting module is configured to communicate in the short-range Setting an offline wallet on the terminal; the payment management module is configured to buffer a preset amount from the financial system into the offline wallet; the smart card processing module is configured to be provided by the offline wallet by using the short-range communication module Short-range communication recharges the smart card to be recharged.
- the method further includes a key management module, configured to acquire a refill key of the smart card before the smart card processing module recharges the smart card by using the offline wallet.
- the method further includes an environment determining module, configured to determine, before the smart card processing module recharges the smart card by using the offline wallet, whether the short-distance communication terminal is currently in a no-mobile network environment .
- the smart card processing module includes a card information acquisition sub-module, a key search sub-module, and a recharge sub-module; and the card information acquisition sub-module is configured to acquire the location by using the short-range communication module.
- the smart card processing module further includes an adaptation sub-module, configured to: before the key search sub-module uses the card information to search for a corresponding recharge key, the card information Converting to a set information format; and setting to convert the refill instruction into an information format corresponding to the smart card model before the refill sub-module issues a refill instruction to the smart card.
- the present invention further provides a smart card refilling system, including a financial system and a short-range communication terminal;
- the short-distance communication terminal includes an offline wallet setting module, a payment management module, a smart card processing module, and a short-range communication module;
- the offline wallet setting module is configured to set an offline wallet on the short-range communication terminal;
- the payment management module is configured to cache a preset amount from the financial system to the offline wallet;
- the smart card processing module And being configured to recharge the smart card to be recharged by using the short-distance communication provided by the short-distance communication module by the offline wallet.
- the beneficial effects of the embodiments of the present invention are: short-distance communication terminal, smart card recharge system and method provided by the embodiments of the present invention, setting an offline wallet on a short-distance communication terminal, and then depositing a preset amount from the financial system to a short distance Offline wallet for communication terminal Then; when the balance of the smart card wallet is insufficient, the smart card can be recharged by short-distance communication through the offline wallet on the short-distance communication terminal;
- the embodiment of the present invention can implement recharging of a smart card based on a short-distance communication module of a short-distance communication terminal (for example, a mobile phone with a FC, Bluetooth communication function, a tablet, etc.), and when the balance of the smart card is insufficient, the short-distance can be immediately passed.
- the communication terminal recharges the smart card, and the user is more convenient to use;
- the embodiment of the present invention deploys an offline wallet on a short-distance communication terminal, and pre-stores a certain amount from the financial system to the offline wallet; therefore, when the data of the short-distance communication terminal is abnormal, the short-distance communication can still be performed.
- the offline wallet of the terminal completes the recharging of the smart card; the satisfaction of the user experience can be further improved;
- FIG. 1 is a schematic structural diagram of a smart card system according to Embodiment 1 of the present invention
- FIG. 2 is a schematic structural diagram 1 of a short-distance communication terminal according to Embodiment 1 of the present invention
- FIG. 3 is a short-distance communication according to Embodiment 1 of the present invention
- FIG. 4 is a schematic structural diagram 1 of the smart card processing module in FIG. 3;
- FIG. 1 is a schematic structural diagram of a smart card system according to Embodiment 1 of the present invention
- FIG. 2 is a schematic structural diagram 1 of a short-distance communication terminal according to Embodiment 1 of the present invention
- FIG. 3 is a short-distance communication according to Embodiment 1 of the present invention
- FIG. 4 is a schematic structural diagram 1 of the smart card processing module in FIG. 3;
- Embodiment 1 As shown in FIG. 1 , the smart card system provided in this embodiment includes a smart card (the smart card in this embodiment refers to various IC cards with an offline wallet), a card terminal, and a finance.
- the smart card is set to deploy an offline wallet
- the card-sweeping terminal is set to read the wallet balance of the smart card, and The smart card wallet is subjected to corresponding deduction processing
- the financial system is mainly set to manage the smart card refill key and the smart card system fund and account management
- the short-distance communication terminal is set to recharge the smart card's offline wallet.
- the short-distance communication terminal in this embodiment may be a mobile phone, a tablet, or the like having short-distance communication functions such as FC and Bluetooth communication, and includes an offline wallet setting module, a payment management module, and a smart card.
- the offline wallet setting module is configured to set an offline wallet on the short-distance communication terminal
- the payment management module is configured to buffer the preset amount from the financial system to the offline wallet of the short-distance communication terminal, Specifically, the financial system interacts to complete payment and key management
- the short-range communication module is configured to provide short-distance communication, and is configured to perform short-range wireless communication with the smart card to complete various information interactions, specifically adopting FC, Bluetooth, etc.
- the smart card processing module is configured to recharge the smart card by short-distance communication provided by the short-distance communication module of the short-distance communication terminal through the offline wallet of the short-distance communication terminal.
- the smart card processing module in this embodiment can also directly recharge the smart card by means of online recharge.
- the short-distance communication function provided by the short-distance communication module reads the card information of the smart card, and sends the card information to the card information.
- the financial system sends a request for depositing a certain amount to the smart card to the financial system at the same time; and then receives a response from the financial system, and sends a corresponding refill instruction to the smart card according to the response to complete the refilling of the smart card.
- the short-distance communication terminal provided by the embodiment can not only perform online charging for the smart card, but also can use the offline wallet on the short-distance communication terminal to perform offline charging of the smart card in the no-mobile network environment, so the smart card wallet is used.
- the short-distance communication terminal provided by the embodiment can be used to immediately recharge the smart card, thereby improving the convenience of the smart card.
- the short-range communication terminal in this embodiment further includes a key management module, configured to acquire a recharge key of the smart card before the smart card processing module recharges the smart card through the offline wallet on the short-distance communication terminal. .
- the key management module may obtain the card information from the smart card according to the card information of the smart card when the online card is recharged by the online recharge function, or directly through the online query, and save it locally;
- the user directly sets the recharge key of each smart card on the key management module; after the key management module acquires and stores the key of the smart card, the smart card processing module performs offline for the smart card by using the offline wallet of the short-distance communication terminal.
- the process of recharging is as follows: Referring to FIG.
- the smart card processing module includes a card information acquiring sub-module, a key finding sub-module, and a recharging sub-module, wherein: the card information acquiring sub-module is configured to obtain a smart card card by short-distance communication provided by the short-distance communication module.
- the smart card touches the short-distance communication terminal, the short-distance communication module recognizes the smart card, and acquires corresponding card information; when the short-distance communication module provides a short distance
- the communication is Bluetooth communication
- the smart card functions as a slave device, and the short-distance communication terminal functions as a master device, and the short-distance communication terminal and the smart card perform contactless pairing to complete information interaction
- the key search sub-module is set according to the card information of the smart card in the slave key
- the corresponding recharge key is found on the management module;
- the recharge sub-module is configured to complete the refill of the smart card by issuing a refill instruction to the smart card according to the recharge key found by the key search sub-module and the recharge amount input by the user.
- the smart card processing module further includes an adaptation sub-module, which is set to be in the key search sub-module.
- the card information is converted into a set information format for subsequent module identification; and is set to be recharged before the recharge sub-module issues a refill instruction to the smart card.
- the instructions are converted into an information format corresponding to the smart card model for the smart card identification.
- the offline wallet on the short-distance communication terminal is used for offline charging of the smart card only when the short-distance communication terminal is in the environment without the mobile network, so as to improve the practicality of the offline recharge function.
- the short-distance communication terminal in this embodiment may further include an environment determining module, configured to determine whether the short-distance communication terminal is currently in a no-mobile network environment before the smart card processing module recharges the smart card through the offline wallet; if yes, the smart card is allowed The processing module recharges the smart card through the offline wallet; otherwise, the smart card processing module is notified to recharge the smart card through the online recharge function instead of the offline recharge function.
- Embodiment 2 This embodiment provides a method for recharging a smart card.
- Step 601 Set an offline wallet on a short-distance communication terminal.
- the short-distance communication terminal in this embodiment may be provided. Terminals such as mobile phones and tablets that use short-range communication functions such as FC and Bluetooth;
- Step 602 Storing the preset amount from the financial system into the offline wallet of the short-distance communication terminal;
- Step 603 recharging the smart card by short-distance communication through the offline wallet on the short-distance communication terminal.
- the short-distance communication terminal can directly deposit the corresponding amount from the financial system into the wallet of the smart card through the online recharge function.
- the short-distance communication function provided by the short-distance communication module reads the card information of the smart card, sends the card information to the financial system, and simultaneously sends a request for depositing a certain amount to the smart card to the financial system; Then, the response of the financial system is received, and the corresponding recharge instruction is sent to the smart card according to the response to complete the refilling of the smart card.
- the recharging method provided in this embodiment can not only recharge the smart card online, but also use the offline wallet on the short-distance communication terminal to perform offline recharging of the smart card in a non-mobile network environment, so when the smart card has insufficient wallet balance
- the short-distance communication terminal provided by the embodiment can be used to immediately recharge the smart card, thereby improving the convenience of the smart card.
- the short-distance communication terminal before the offline wallet of the short-distance communication terminal recharges the smart card by short-distance communication, the short-distance communication terminal further includes the recharge key of the smart card.
- the short-distance communication terminal may obtain the card information from the smart card according to the card information of the smart card when the online card is recharged by the online recharge function, or directly through the online query, and save it locally; Of course, it is not excluded that the user directly sets the recharge key of each smart card on the short-distance communication terminal.
- the offline recharge function provided by the short-distance communication terminal can be used to perform offline recharging of the smart card only in the no-mobile network environment. At this time, before the smart card is recharged by short-distance communication through the offline wallet.
- the method further includes determining whether the short-distance communication terminal is in a no-mobile network environment, and if so, recharging the smart card by short-distance communication through the offline wallet; otherwise, using the online recharge function of the short-distance communication terminal to recharge the smart card.
- the offline wallet of the short-distance communication terminal and the recharging of the smart card by short-distance communication include: the short-distance communication terminal acquires the card information of the smart card by short-distance communication; the short-distance communication terminal searches for the corresponding recharge key according to the acquired card information; The short-distance communication terminal issues a refilling instruction to the smart card according to the obtained recharge key and the recharge amount input by the user to complete the recharging of the smart card.
- the card information may be converted into the set information by using the card information of the smart card to find the corresponding recharge key.
- the format is for subsequent module identification; and before the refilling instruction is sent to the smart card, the refilling instruction is converted into an information format corresponding to the smart card model to facilitate the smart card identification.
- the short-range communication terminal can be adapted to various types of smart cards by interpreting the appropriate format conversion between the short-distance communication terminal and the smart card information. Referring to FIG. 7, the present invention is further described in conjunction with a completed refill management process. Step 701: The communication terminal with the short-range wireless communication module is paired with the smart card to complete the smart card identification; the short-range wireless communication module is In the FC communication module, the smart card touches the communication terminal, and the FC communication module of the communication terminal recognizes the smart card.
- Step 702 The communication terminal The financial system acquires the recharge key of the smart card; the communication terminal sends the card information of the smart card to the financial system, and obtains the recharge key of the smart card from the financial system; when the communication terminal has the key management module, the key management module records the recharge secret Key, the next time the smart card is recharged, it is not necessary to obtain the recharge key from the accounting system again;
- Step 703 The user pays to the accounting system through the communication terminal; the user needs to select the amount to be paid and the payment method, and the payment method can be The method includes: one or more of a third party payment, an online banking payment, a credit card payment, and a quick payment; the user pays to the accounting system through the payment management module in the communication terminal; when the communication terminal is provided with an offline wallet
- the recharge key is obtained from the communication terminal, and the user-specified amount is extracted from the offline wallet of the communication terminal according to the recharge key to the wallet of the smart card.
- the smart card can be recharged based on the short-distance communication module of the short-distance communication terminal (for example, a mobile phone with a FC, Bluetooth communication function, etc.), and when the balance of the smart card is insufficient, the The short-distance communication terminal recharges the smart card, which is more convenient for the user to use; at the same time, the invention deploys the offline wallet on the short-distance communication terminal, and pre-stores a certain amount from the financial system to the offline wallet; When the data of the communication terminal is abnormal, the credit card can still be recharged through the offline wallet of the short-distance communication terminal; the satisfaction of the user experience can be further improved; and, by the solution of the invention, the user can directly realize the short-distance communication terminal.
- the short-distance communication module of the short-distance communication terminal for example,
- the recharging of the smart card can reduce the construction of the physical network, and particularly reduce the repeated deployment of the network to the different operators and the card-swapping terminal, which can reduce the construction of the operator and the user's use cost.
- the above is a further detailed description of the present invention in connection with the specific embodiments, and the specific implementation of the invention is not limited to the description. It will be apparent to those skilled in the art that the present invention may be made without departing from the spirit and scope of the invention.
- INDUSTRIAL APPLICABILITY As described above, a short-distance communication terminal, a smart card refilling system and method provided by the embodiments of the present invention have the following beneficial effects:
- the embodiment of the present invention can implement recharging of a smart card based on a short-distance communication module of a short-distance communication terminal (for example, a mobile phone with a FC, Bluetooth communication function, a tablet, etc.), and when the balance of the smart card is insufficient, the short-distance can be immediately passed.
- the communication terminal recharges the smart card, and the user is more convenient to use;
- the embodiment of the present invention deploys the offline wallet on the short-distance communication terminal, and pre-stores a certain amount from the financial system to the offline wallet; When the data of the communication terminal is abnormal, the credit card can still be recharged through the offline wallet of the short-distance communication terminal; the satisfaction of the user experience can be further improved;
- the user can directly recharge the smart card through the short-distance communication terminal, thereby reducing the construction of the physical network point, especially reducing the repeated deployment of the network point and the card-swapping terminal of different operators, and reducing the operation.
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Abstract
本发明公开了一种短距离通信终端、智能卡充值系统及方法，在短距离通信终端上设置离线钱包，然后先从财务系统中圈存预设金额到短距离通信终端的离线钱包中；然后当智能卡的钱包中余额不足时，即可通过该短距离通信终端上的离线钱包利用短距离通信为该智能卡充值；当智能卡的钱包余额不足时，可立即通过短距离通信终端为智能卡进行充值，用户使用更为方便；同时，当出现短距离通信终端数据上网异常时，仍然可以通过短距离通信终端的离线钱包完成向智能卡的充值；可进一步提升用户体验的满意度；还可减少实体网点建设，特别减少不同运营商的充分对网点、刷卡终端的重复部署，降低运营商的建设以及用户的使用成本。
Description
短距离通信终端、 智能卡充值系统及方法 技术领域 本发明涉及通信领域， 具体涉及一种短距离通信终端、 智能卡充值系统及方法。 背景技术 目前， 用户通过智能卡的离线钱包进行各种服务的即时支付， 包括公共交通， 餐 饮， 电影等。 对于智能卡离线钱包的充值， 通常是离线钱包用户去发卡方的固定网点 去充值。 特别地， 当离线钱包余额不足， 又需要立即使用 （例如， 乘坐公共交通） 时， 目前的充值方式不能满足离线钱包用户立即充值的需求。 与此同时， 目前智能卡的运 营商有多家， 不同运营商发行的智能卡智需在自己的网点进行充值。 当多家运营商在 同一地区提供服务时， 存在充值网点和刷卡终端重复建设的问题。 总体而言， 目前的实现方式存在如下不足：
1 )当智能卡的离线钱包的余额不足时， 用户不能立即对其进行充值， 给离线钱包 用户带来很大的不便；
2) 智能卡的离线钱包用户只能去发卡方的网点进行充值， 充值不方便； 3 ) 发卡方建设网点， 需要专门的场地， 设备和人员， 费用较高；
4) 多家离线钱包运营商重复建设发卡网点和刷卡终端， 进一步提升了成本。 发明内容 本发明要解决的主要技术问题是， 提供一种短距离通信终端、 智能卡充值系统及 方法。 为解决上述技术问题， 本发明实施例提供一种智能卡充值方法， 包括： 在短距离通信终端上设置离线钱包； 从财务系统中圈存预设金额到所述离线钱包中； 通过所述离线钱包利用短距离通信为待充值的智能卡充值。
在本发明的一种实施例中， 通过所述离线钱包利用短距离通信为所述智能卡充值 之前， 还包括： 所述短距离通信终端获取所述智能卡的充值密钥。 在本发明的一种实施例中， 通过所述离线钱包利用短距离通信为所述智能卡充值 之前， 还包括： 判断所述短距离通信终端是否处于无移动网络环境， 如是， 才通过所述离线钱包 利用短距离通信为所述智能卡充值。 在本发明的一种实施例中， 通过所述离线钱包利用短距离通信为所述智能卡充值 包括： 所述短距离通信终端通过短距离通信获取所述智能卡的卡片信息； 所述短距离通信终端根据获取的卡片信息查找对应的充值密钥； 所述短距离通信终端根据获取的充值密钥以及用户输入的充值金额向所述智能卡 下发充值指令为所述智能卡充值。 在本发明的一种实施例中， 所述短距离通信终端获取到卡片信息之后， 利用该卡 片信息查找对应的充值密钥之前， 还包括将获取的卡片信息转换成设定的信息格式； 所述短距离通信终端向所述智能卡下发充值指令包括： 将所述充值指令转换成与所述智能卡型号相对应的信息格式。 在本发明的一种实施例中， 所述短距离通信为近场通信或蓝牙通信。 为了解决上述问题， 本发明还提供了一种短距离通信终端， 包括离线钱包设置模 块、 支付管理模块、 智能卡处理模块和短距离通信模块； 所述离线钱包设置模块设置为在所述短距离通信终端上设置离线钱包； 所述支付管理模块设置为从财务系统中圈存预设金额到所述离线钱包中； 所述智能卡处理模块设置为通过所述离线钱包利用所述短距离通信模块提供的短 距离通信为待充值的智能卡充值。
在本发明的一种实施例中， 还包括密钥管理模块， 设置为在所述智能卡处理模块 通过所述离线钱包为所述智能卡充值之前， 获取所述智能卡的充值密钥。 在本发明的一种实施例中， 还包括环境判断模块， 设置为在所述智能卡处理模块 通过所述离线钱包为所述智能卡充值之前， 判断所述短距离通信终端当前是否处于无 移动网络环境。 在本发明的一种实施例中， 所述智能卡处理模块包括卡片信息获取子模块、 密钥 查找子模块以及充值子模块； 所述卡片信息获取子模块设置为通过所述短距离通信模块获取所述智能卡的卡片 信息； 所述密钥查找子模块设置为根据所述卡片信息查找对应的充值密钥； 所述充值子模块设置为根据所述充值密钥以及用户输入的充值金额向所述智能卡 下发充值指令为所述智能卡充值。 在本发明的一种实施例中， 所述智能卡处理模块还包括适配子模块， 设置为在所 述密钥查找子模块利用所述卡片信息查找对应的充值密钥之前， 将所述卡片信息转换 成设定的信息格式； 以及设置为在所述充值子模块向所述智能卡下发充值指令之前， 将所述充值指令转换成与所述智能卡型号相对应的信息格式。 为了解决上述问题， 本发明还提供了一种智能卡充值系统， 包括财务系统和短距 离通信终端； 所述短距离通信终端包括离线钱包设置模块、 支付管理模块、 智能卡处 理模块和短距离通信模块； 所述离线钱包设置模块设置为在所述短距离通信终端上设置离线钱包； 所述支付管理模块设置为从所述财务系统中圈存预设金额到所述离线钱包中； 所述智能卡处理模块设置为通过所述离线钱包利用所述短距离通信模块提供的短 距离通信为待充值的智能卡充值。 本发明实施例的有益效果是： 本发明实施例提供的短距离通信终端、 智能卡充值系统及方法， 在短距离通信终 端上设置离线钱包， 然后先从财务系统中圈存预设金额到短距离通信终端的离线钱包
中； 然后当智能卡的钱包中余额不足时， 即可通过该短距离通信终端上的离线钱包利 用短距离通信为该智能卡充值； 可见：
1)本发明实施例可基于短距离通信终端 （例如具有 FC、 蓝牙通信功能的手机、 平板等） 的短距离通信模块实现对智能卡进行充值， 当智能卡的钱包余额不足时， 可 立即通过短距离通信终端为智能卡进行充值， 用户使用更为方便；
2)本发明实施例在短距离通信终端上部署离线钱包，并预先从财务系统中圈存一 定金额到该离线钱包中； 因此当出现短距离通信终端数据上网异常时， 仍然可以通过 短距离通信终端的离线钱包完成向智能卡的充值； 可进一步提升用户体验的满意度；
3 )通过本发明实施例的方案，用户可直接通过短距离通信终端实现对智能卡的充 值， 因此可以减少实体网点建设， 特别减少不同运营商的充分对网点、 刷卡终端的重 复部署， 可降低运营商的建设以及用户的使用成本。 附图说明 图 1为本发明实施例一提供的智能卡系统结构示意图； 图 2为本发明实施例一提供的短距离通信终端的结构示意图一； 图 3为本发明实施例一提供的短距离通信终端的结构示意图二； 图 4为图 3中的智能卡处理模块的结构示意图一； 图 5为图 3中的智能卡处理模块的结构示意图二； 图 6为本发明实施例二提供的智能卡充值方法流程示意图一； 图 7为本发明实施例二提供的智能卡充值方法流程示意图二。 具体实施方式 下面通过具体实施方式结合附图对本发明作进一步详细说明。 实施例一： 请参见图 1所示， 该图所示时本实施例提供的智能卡系统， 包括智能卡 （本实施 例中的智能卡是指设有离线钱包的各种 IC卡）、 刷卡终端、 财务系统和短距离通信终 端； 其中： 智能卡设置为部署离线钱包； 刷卡终端设置为读取智能卡的钱包余额， 并
对智能卡的钱包进行相应的扣费处理； 财务系统主要设置为智能卡充值密钥的管理以 及智能卡系统资金和账务管理；短距离通信终端设置为对智能卡的离线钱包进行充值。 具体的， 请参见图 2所示， 本实施例中的短距离通信终端具体可为具有 FC、 蓝牙通 信等短距离通信功能的手机、 平板等， 其包括离线钱包设置模块、 支付管理模块、 智 能卡处理模块和短距离通信模块， 其中： 离线钱包设置模块设置为在短距离通信终端上设置离线钱包； 支付管理模块设置为从财务系统中圈存预设金额到短距离通信终端的离线钱包 中， 具体包括财务系统进行交互， 完成付款和密钥管理； 短距离通信模块设置为提供短距离通信， 设置为和智能卡进行短距离无线通信从 而完成各种信息的交互， 具体可采用 FC、 蓝牙等方式； 智能卡处理模块则设置为通过短距离通信终端的离线钱包， 利用短距离通信终端 的短距离通信模块提供的短距离通信为该智能卡充值。 当然， 本实施例中的智能卡处理模块还可通过在线充值的方式直接为智能卡进行 充值， 此时其通过短距离通信模块提供的短距离通信功能读取智能卡的卡片信息， 将 该卡片信息发给财务系统并向同时向财务系统发送用于圈存一定金额到该智能卡的圈 存请求； 然后接收财务系统的响应， 根据该响应向智能卡发送对应的充值指令完成对 智能卡的充值。 可见， 本实施例提供的短距离通信终端既能实现在线为智能卡进行充值， 也可在 无移动网络环境下， 利用短距离通信终端上的离线钱包实现对智能卡的离线充值， 因 此当智能卡的钱包余额不足时， 用户并不需要必须到指定网点完成充值， 而可直接利 用本实施例提供的短距离通信终端立即实现对智能卡的充值， 在较大程度上提升了智 能卡使用的便利性。 请参见图 3所示， 本实施例中的短距离通信终端还包括密钥管理模块， 设置为在 智能卡处理模块通过短距离通信终端上的离线钱包为智能卡充值之前， 获取该智能卡 的充值密钥。 在本实施例中， 密钥管理模块可以在通过在线充值功能为该智能卡充值 时， 或直接通过在线查询的方式， 根据该智能卡的卡片信息从财务系统查询获取到， 并将其保存在本地； 当然也不排除用户直接在密钥管理模块上设置各智能卡的充值密 钥； 在密钥管理模块获取并存储智能卡的密钥后， 智能卡处理模块在利用短距离通信 终端的离线钱包为智能卡进行离线充值的过程如下：
请参见图 4所示， 智能卡处理模块包括卡片信息获取子模块、 密钥查找子模块、 充值子模块， 其中： 卡片信息获取子模块设置为通过短距离通信模块提供的短距离通信获取智能卡的 卡片信息； 当该短距离通信模块提供的短距离通信为 FC通信时， 智能卡触碰短距离 通信终端， 短距离通信模块识别智能卡， 获取到相应的卡片信息； 当该短距离通信模 块提供的短距离通信为蓝牙通信时， 智能卡作为从设备，短距离通信终端作为主设备， 短距离通信终端和智能卡进行非接触配对完成信息交互； 密钥查找子模块设置为根据该智能卡的卡片信息在从密钥管理模块上查找到对应 的充值密钥； 充值子模块设置为根据密钥查找子模块找到的充值密钥以及用户输入的充值金额 向智能卡下发充值指令完成智能卡的充值。 在本实施例中， 为了实现通过短距离通信终端对各种类型的智能卡的在线或离线 充值， 请参见图 5所示， 智能卡处理模块还包括适配子模块， 设置为在密钥查找子模 块利用智能卡的卡片信息查找对应的充值密钥之前， 将该卡片信息转换成设定的信息 格式， 以便于后续各模块识别； 以及设置为在充值子模块向智能卡下发充值指令之前， 将该充值指令转换成与该智能卡型号相对应的信息格式， 以便于该智能卡识别。 通过 适配子模块将短距离通信终端和智能卡信息之间的交互信息进行释适当的格式转换， 可使得短距离通信终端适配各种类型的智能卡。 进一步提升用户体验的满意度。 在本实施例中， 可设置只有当短距离通信终端处于无移动网络的环境下， 才采用 短距离通信终端上的离线钱包为智能卡进行离线充值，以提升该离线充值功能实用性。 此时本实施例中的短距离通信终端可进一步包括环境判断模块， 设置为在智能卡处理 模块通过离线钱包为智能卡充值之前， 判断短距离通信终端当前是否处于无移动网络 环境； 如是， 则允许智能卡处理模块通过离线钱包为智能卡充值； 否则， 则通知智能 卡处理模块通过在线充值功能为智能卡进行充值， 而不采用离线充值功能。
实施例二： 本实施例提供了一种智能卡充值方法， 具体请参见图 6所示， 包括： 步骤 601 : 在短距离通信终端上设置离线钱包； 本实施例中的短距离通信终端可 为具备 FC、 蓝牙等短距离通信功能的手机、 平板等终端；
步骤 602: 从财务系统中圈存预设金额到短距离通信终端的离线钱包中； 步骤 603 : 通过短距离通信终端上的离线钱包、 利用短距离通信为智能卡进行充 值。 当然， 在本实施例中， 短距离通信终端可通过在线充值功能， 直接从财务系统中 将相应的金额圈存到智能卡的钱包中。 此时其通过短距离通信模块提供的短距离通信 功能读取智能卡的卡片信息， 将该卡片信息发给财务系统并向同时向财务系统发送用 于圈存一定金额到该智能卡的圈存请求； 然后接收财务系统的响应， 根据该响应向智 能卡发送对应的充值指令完成对智能卡的充值。 可见， 本实施例提供的充值方法既可实现在线为智能卡进行充值， 也可在无移动 网络环境下， 利用短距离通信终端上的离线钱包实现对智能卡的离线充值， 因此当智 能卡的钱包余额不足时， 用户并不需要必须到指定网点完成充值， 而可直接利用本实 施例提供的短距离通信终端立即实现对智能卡的充值， 在较大程度上提升了智能卡使 用的便利性。 在本实施例中， 通过短距离通信终端的离线钱包利用短距离通信为智能卡充值之 前， 还包括短距离通信终端获取智能卡的充值密钥。 在本实施例中， 短距离通信终端 可以在通过在线充值功能为该智能卡充值时， 或直接通过在线查询的方式， 根据该智 能卡的卡片信息从财务系统查询获取到， 并将其保存在本地； 当然也不排除用户直接 在短距离通信终端上设置各智能卡的充值密钥。 在实施例中， 可设置仅在无移动网络环境下， 才使用短距离通信终端提供的离线 充值功能实现对智能卡的离线充值， 此时， 在通过离线钱包利用短距离通信为所述智 能卡充值之前， 还包括判断短距离通信终端是否处于无移动网络环境， 如是， 才通过 离线钱包利用短距离通信为所述智能卡充值； 否则， 利用短距离通信终端的在线充值 功能实现为智能卡充值。 其中， 通过短距离通信终端的离线钱包、 利用短距离通信为 智能卡充值包括： 短距离通信终端通过短距离通信获取智能卡的卡片信息； 短距离通信终端根据获取的卡片信息查找对应的充值密钥； 短距离通信终端根据获取的充值密钥以及用户输入的充值金额向所述智能卡下发 充值指令完成智能卡的充值。
在本实施例中， 为了实现通过短距离通信终端对各种类型的智能卡的在线或离线 充值， 利用智能卡的卡片信息查找对应的充值密钥之前， 还可将该卡片信息转换成设 定的信息格式， 以便于后续各模块识别； 以及在向智能卡下发充值指令之前， 将该充 值指令转换成与该智能卡型号相对应的信息格式， 以便于该智能卡识别。 通过将短距 离通信终端和智能卡信息之间的交互信息进行释适当的格式转换， 可使得短距离通信 终端适配各种类型的智能卡。 请参见图 7所示， 下面结合一完成的充值管理过程， 对本发明做进一步的说明： 步骤 701 : 带有短距离无线通信模块的通信终端和智能卡配对， 完成智能卡识别； 短距离无线通信模块是 FC通信模块时，智能卡触碰通信终端，通信终端的 FC 通信模块识别智能卡。 短距离无线通信模块是蓝牙通信模块时， 智能卡作为从设备， 通信终端作为主设 备， 通信终端和智能卡进行非接触配对； 配对后， 通信终端可记录智能卡信息和配对信息； 步骤 702: 通信终端从财务系统获取该智能卡的充值密钥； 通信终端将智能卡的卡片信息发送到财务系统， 从财务系统获取智能卡的充值密 钥； 当通信终端具备密钥管理模块， 则使用密钥管理模块记录充值密钥， 下次对同一 卡智能充值时， 不需要再次从账务系统获取充值密钥； 步骤 703 : 用户通过通信终端向账务系统付款； 用户需要选择要付款的金额及付款方式， 付款方式可以包括： 第三方支付、 网银 支付， 信用卡支付， 快捷支付中的一种或者多种； 用户通过通信终端中的支付管理模 块， 向账务系统进行付款； 当通信终端设置有离线钱包时， 该步骤通信终端可从财务 系统圈存一定资金到通信终端的离线钱包中； 步骤 704: 当采用在线充值时， 付款成功后， 用户可通过通信终端向智能卡充值; 当步骤 703中是像通信终端的离线钱包中圈存资金时， 步骤 704也可采用离线充 值， 此时则从通信终端中获取充值密钥， 并根据该充值密钥从通信终端的离线钱包中 提取用户指定的金额充值到智能卡的钱包中。
可见， 通过本发明提供的方案， 可基于短距离通信终端 （例如具有 FC、 蓝牙通 信功能的手机、 平板等） 的短距离通信模块实现对智能卡进行充值， 当智能卡的钱包 余额不足时， 可立即通过短距离通信终端为智能卡进行充值， 用户使用更为方便； 同 时， 本发明在短距离通信终端上部署离线钱包， 并预先从财务系统中圈存一定金额到 该离线钱包中； 因此当出现短距离通信终端数据上网异常时， 仍然可以通过短距离通 信终端的离线钱包完成向智能卡的充值； 可进一步提升用户体验的满意度； 另外， 通 过本发明的方案， 用户可直接通过短距离通信终端实现对智能卡的充值， 因此可以减 少实体网点建设， 特别减少不同运营商的充分对网点、 刷卡终端的重复部署， 可降低 运营商的建设以及用户的使用成本。 以上内容是结合具体的实施方式对本发明所作的进一步详细说明， 不能认定本发 明的具体实施只局限于这些说明。 对于本发明所属技术领域的普通技术人员来说， 在 不脱离本发明构思的前提下， 还可以做出若干简单推演或替换， 都应当视为属于本发 明的保护范围。 工业实用性 如上所述， 本发明实施例提供的一种短距离通信终端、 智能卡充值系统及方法， 具有以下有益效果：
1)本发明实施例可基于短距离通信终端 （例如具有 FC、 蓝牙通信功能的手机、 平板等） 的短距离通信模块实现对智能卡进行充值， 当智能卡的钱包余额不足时， 可 立即通过短距离通信终端为智能卡进行充值， 用户使用更为方便； 2)本发明实施例在短距离通信终端上部署离线钱包， 并预先从财务系统中圈存一 定金额到该离线钱包中； 因此当出现短距离通信终端数据上网异常时， 仍然可以通过 短距离通信终端的离线钱包完成向智能卡的充值； 可进一步提升用户体验的满意度；
3 )通过本发明实施例的方案，用户可直接通过短距离通信终端实现对智能卡的充 值， 因此可以减少实体网点建设， 特别减少不同运营商的充分对网点、 刷卡终端的重 复部署， 可降低运营商的建设以及用户的使用成本。
Claims
1. 一种智能卡充值方法， 包括：
在短距离通信终端上设置离线钱包；
从财务系统中圈存预设金额到所述离线钱包中；
通过所述离线钱包利用短距离通信为待充值的智能卡充值。
2. 如权利要求 1所述的智能卡充值方法， 其中， 通过所述离线钱包利用短距离通 信为所述智能卡充值之前， 还包括：
所述短距离通信终端获取所述智能卡的充值密钥。
3. 如权利要求 1所述的智能卡充值方法， 其中， 通过所述离线钱包利用短距离通 信为所述智能卡充值之前， 还包括：
判断所述短距离通信终端是否处于无移动网络环境， 如是， 才通过所述离 线钱包利用短距离通信为所述智能卡充值。
4. 如权利要求 2所述的智能卡充值方法， 其中， 通过所述离线钱包利用短距离通 信为所述智能卡充值包括：
所述短距离通信终端通过短距离通信获取所述智能卡的卡片信息； 所述短距离通信终端根据获取的卡片信息查找对应的充值密钥； 所述短距离通信终端根据获取的充值密钥以及用户输入的充值金额向所述 智能卡下发充值指令为所述智能卡充值。
5. 如权利要求 4所述的智能卡充值方法， 其中， 所述短距离通信终端获取到卡片 信息之后， 利用该卡片信息查找对应的充值密钥之前， 还包括将获取的卡片信 息转换成设定的信息格式；
所述短距离通信终端向所述智能卡下发充值指令包括： 将所述充值指令转换成与所述智能卡型号相对应的信息格式。
6. 如权利要求 1-3任一项所述的智能卡充值方法， 其中， 所述短距离通信为近场 通信或蓝牙通信。
7. 一种短距离通信终端， 包括离线钱包设置模块、 支付管理模块、 智能卡处理模 块和短距离通信模块； 所述离线钱包设置模块设置为在所述短距离通信终端上设置离线钱包； 所述支付管理模块设置为从财务系统中圈存预设金额到所述离线钱包中； 所述智能卡处理模块设置为通过所述离线钱包利用所述短距离通信模块提 供的短距离通信为待充值的智能卡充值。
8. 如权利要求 7所述的短距离通信终端， 其中， 还包括密钥管理模块， 设置为在 所述智能卡处理模块通过所述离线钱包为所述智能卡充值之前， 获取所述智能 卡的充值密钥。
9. 如权利要求 7所述的短距离通信终端， 其中， 还包括环境判断模块， 设置为在 所述智能卡处理模块通过所述离线钱包为所述智能卡充值之前， 判断所述短距 离通信终端当前是否处于无移动网络环境。
10. 如权利要求 8或 9所述的短距离通信终端， 其中， 所述智能卡处理模块包括卡 片信息获取子模块、 密钥查找子模块以及充值子模块；
所述卡片信息获取子模块设置为通过所述短距离通信模块获取所述智能卡 的卡片信息；
所述密钥查找子模块设置为根据所述卡片信息查找对应的充值密钥； 所述充值子模块设置为根据所述充值密钥以及用户输入的充值金额向所述 智能卡下发充值指令为所述智能卡充值。
11. 如权利要求 10所述的短距离通信终端，其中，所述智能卡处理模块还包括适配 子模块， 设置为在所述密钥查找子模块利用所述卡片信息查找对应的充值密钥 之前， 将所述卡片信息转换成设定的信息格式； 以及设置为在所述充值子模块 向所述智能卡下发充值指令之前， 将所述充值指令转换成与所述智能卡型号相 对应的信息格式。
12. 一种智能卡充值系统， 包括财务系统和短距离通信终端； 所述短距离通信终端 包括离线钱包设置模块、 支付管理模块、 智能卡处理模块和短距离通信模块； 所述离线钱包设置模块设置为在所述短距离通信终端上设置离线钱包； 所述支付管理模块设置为从所述财务系统中圈存预设金额到所述离线钱包 中；
所述智能卡处理模块设置为通过所述离线钱包利用所述短距离通信模块提 供的短距离通信为待充值的智能卡充值。
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