WO2017063543A1

WO2017063543A1 - Electronic cash loading method, apparatus, system and computer readable storage medium

Info

Publication number: WO2017063543A1
Application number: PCT/CN2016/101756
Authority: WO
Inventors: 严翔翔; 周钰
Original assignee: 中国银联股份有限公司
Priority date: 2015-10-13
Filing date: 2016-10-11
Publication date: 2017-04-20
Also published as: CN105931037B; CN105931037A

Abstract

An electronic cash loading method, apparatus, system and computer readable storage medium, the method comprising: sending a deduction request to a payment apparatus, and receiving a transaction certificate returned after the payment apparatus performs a successful deduction (S102); sending to a back-end server a loading request on the basis of the transaction certificate, and receiving a loading script returned by the back-end server (S104); and on the basis of the loading script loading the amount in the transaction certificate (S106). By providing an electronic cash account deduction transaction certificate to another electronic cash account for loading, the invention solves the problem in the related art in which it is impossible to realize a transfer between individuals in an offline transaction scenario, thus realizing a function of transferring electronic cash offline, and realizing a transfer transaction between electronic cash accounts while offline, thereby facilitating offline transactions of users, and realizing fast transfers between individuals.

Description

Electronic cash deposit method, device, system and computer readable storage medium

Technical field

The present invention relates to the field of mobile financial services, and in particular, to an electronic cash deposit method, device, system and computer readable storage medium.

Background technique

In the related art, the electronic cash application is only for the payment scenario. During the online shopping process, the cardholder holds a bank card supporting the electronic cash application, consumes on the POS machine supporting the electronic cash application, and generates an electronic cash consumption certificate. After the deduction is successful, the card holder takes the goods. After collecting a certain number of electronic cash consumption vouchers, the merchant's POS machine sends the transaction list in batches, and after the clearing between the issuing bank and the acquiring bank, the merchant obtains the money for the sold goods.

However, in online transactions, personal-to-personal transfer payments will also be the main application scenario for e-cash applications, and achieving personal-to-individual quick transfers is an important factor in whether electronic cash can better replace banknote cash.

In view of the fact that the individual-to-person transfer cannot be realized in the offline transaction scenario of the related art, an effective solution has not yet been proposed.

Summary of the invention

The present invention provides an electronic cash deposit method, apparatus, system and computer readable storage medium to at least solve the problem that the offline transaction scenario in the related art cannot realize personal-to-person transfer.

According to an aspect of the present invention, an electronic cash deposit method is provided, wherein the method comprises: sending a debit request to a payment device, and receiving a transaction voucher returned after the payment device successfully debits; sending the message to the background server And receiving a circled script returned by the background server according to the volume request of the transaction voucher; and depositing the amount in the transaction voucher according to the circled script.

According to an aspect of the invention, a computer readable storage medium comprising computer readable instructions, wherein the computer readable instructions, when executed, cause a processor to perform at least the following:

Sending a debit request to the payment device, and receiving a transaction voucher returned after the payment device successfully debits;

Sending a deposit request based on the transaction voucher to a background server, and receiving a circled script returned by the background server;

The amount in the transaction voucher is circled according to the circled script.

According to an aspect of the invention, an apparatus is provided, comprising:

Processor; and

A memory comprising computer readable instructions that, when executed, cause the processor to:

According to another aspect of the present invention, an electronic cash deposit script generating method is provided, wherein the method includes: receiving a transaction credential based volume request sent by a receiving mobile terminal, and issuing a card corresponding to the payment device Transmitting a transaction voucher verification request, wherein the transaction voucher is a transaction voucher generated after the receiving mobile terminal successfully transactions with the payment device; after the verification is successful, transmitting to the card issuing bank corresponding to the receiving mobile terminal Receiving a deposit request corresponding to the amount of the transaction voucher; receiving a replenishment script returned by the card issuing bank corresponding to the receiving mobile terminal, and transmitting the voucher script to the receiving mobile terminal, so that the receiving mobile terminal The amount in the transaction voucher is circled according to the circled script.

According to another aspect of the present invention, a computer readable storage medium comprising computer readable instructions, wherein the computer readable instructions, when executed, cause a processor to perform at least the following:

Receiving a transaction credential-based enrollment request sent by the receiving mobile terminal, and sending a transaction credential verification request to the issuing bank corresponding to the payment device, wherein the transaction voucher is after the receiving mobile terminal successfully transactions with the payment device Transaction credentials generated;

After the verification is successful, sending a deposit request corresponding to the amount of the transaction voucher to the card issuing bank corresponding to the receiving mobile terminal;

Receiving a looping script returned by the card issuing bank corresponding to the receiving mobile terminal, and sending the circled script to the receiving mobile terminal, so that the receiving mobile terminal pairs the transaction according to the circled script The amount in the voucher is circled.

According to another aspect of the present invention, an apparatus is provided, comprising:

Processor; and

According to another aspect of the present invention, an electronic cash deposit system is provided, wherein the electronic cash deposit system includes: a receiving mobile terminal, a backend server, and a payment device; and the receiving mobile terminal includes: electronic cash a management application module, connected to the payment device, configured to send a debit request to the payment device, and receive a transaction voucher returned after the payment device successfully debits; send a circle based on the transaction voucher to the background server And storing a request, and receiving a circled script returned by the background server; a storage module, connected to the electronic cash management application module, configured to store the transaction certificate; and a card module connected to the electronic cash management application module for receiving The electronic cash application instruction that is sent by the electronic cash management application module and includes the circled script, and the amount in the transaction certificate is circled according to the circled script.

Through the invention, the transaction voucher of one electronic cash account is used to deposit another electronic cash account, which solves the problem that the offline transaction scenario in the related technology cannot realize the personal-to-person transfer, and realizes the electronic cash offline transfer function. Transfer transactions between electronic cash accounts under offline status. This facilitates the user's offline transactions and enables quick transfer of individuals to individuals.

DRAWINGS

The drawings are intended to provide a further understanding of the invention, and are intended to be a part of the invention. In the drawing:

1 is a flow chart of an electronic cash deposit method according to a first embodiment of the present invention;

2 is a flowchart of a method for generating an electronic cash deposit script according to Embodiment 2 of the present invention;

3 is a schematic structural diagram of an electronic cash deposit device according to Embodiment 3 of the present invention;

4 is a schematic structural diagram of an electronic cash deposit script generating apparatus according to Embodiment 4 of the present invention;

5 is a schematic structural diagram of an electronic cash deposit system according to Embodiment 5 of the present invention;

6 is a schematic diagram showing the working principle of an electronic cash deposit system according to Embodiment 5 of the present invention;

7 is a schematic flow chart of realizing personal transfer by electronic cash deposit according to Embodiment 6 of the present invention;

8 is a schematic structural diagram of a device according to Embodiment 4 of the present invention;

FIG. 9 is a schematic structural diagram of a device according to Embodiment 7 of the present invention.

detailed description

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.

In order to achieve personal-to-individual quick transfer, there are three main problems to be solved: how to realize the transfer between electronic cash accounts when one or both parties are offline, how to guarantee in the process of offline transfer of electronic cash accounts Security, how to make minor changes to existing systems during the offline transfer of electronic cash accounts. In view of the above three problems to be solved, the present invention provides an electronic cash deposit method, apparatus and system. The following is described by way of a preferred embodiment.

Embodiment 1

The embodiment of the invention provides an electronic cash deposit method, which is applied to the mobile terminal side of the receiving mobile terminal, and the receiving mobile terminal is a mobile terminal supporting NFC (for example, a mobile phone, a tablet computer, etc.). 1 is a flowchart of an electronic cash deposit method according to Embodiment 1 of the present invention. As shown in FIG. 1, the method includes the following steps (Step S102 - Step S106):

Step S102: The receiving mobile terminal sends a debit request to the payment device, and receives the transaction voucher returned after the payment device debits successfully.

Step S104, the receiving mobile terminal sends a transaction request based on the transaction voucher to the background server, and receives the circled script returned by the background server.

Step S106, the receiving mobile terminal performs a circle on the amount in the transaction voucher according to the circled script. Specifically, the amount in the electronic cash account can be updated according to the circled script, and the amount in the electronic cash account is displayed on the software such as the APP of the receiving mobile terminal.

Through the above embodiment, a debit transaction voucher is used to deposit another electronic cash account, which solves the problem that the offline transaction scenario cannot realize individual-to-person transfer, and realizes the electronic cash offline transfer function. Transfer transactions between electronic cash accounts under machine status. This facilitates the user's offline transactions and enables quick transfer of individuals to individuals.

In this embodiment, the payment device may be an electronic cash card or a terminal device (for example, a mobile phone) that supports an electronic cash application. Both the electronic cash card and the terminal device are easy to carry and are convenient for the user to transfer money.

If the payment device is an electronic cash card, sending a debit request to the payment device can be accomplished by the following preferred method: reading the electronic cash card based on the NFC Reader mode and sending a debit request to the electronic cash card.

If the payment device is a terminal device supporting the electronic cash application, sending the debit request to the payment device may be implemented by using a preferred method of: sending a debit request to the terminal device based on the NFC PtoP mode; or sending the terminal device to at least one of the following manners: Debit request: Bluetooth, audio, Universal Serial Bus USB.

Through the above two preferred methods, whether the user uses the electronic cash card payment or the terminal device payment, the transfer transaction with the receiving mobile terminal can be completed quickly and conveniently. Provide users with more transfer options to improve the user experience.

Embodiment 2

Based on the same inventive concept, the embodiment provides a method for generating an electronic cash deposit script, which is applied to the background server side. 2 is a flowchart of a method for generating an electronic cash deposit script according to a second embodiment of the present invention. As shown in FIG. 2, the method includes the following steps (step S202 - step S206):

Step S202, the background server receives the transaction credential-based enclosing request sent by the receiving mobile terminal, and sends a transaction credential verification request to the issuing bank corresponding to the payment device, wherein the transaction credential is generated after the receiving mobile terminal and the payment device successfully succeed in the transaction. Transaction vouchers.

Step S204, after the verification is successful, the background server sends a deposit request corresponding to the amount of the transaction voucher to the card issuing bank corresponding to the receiving mobile terminal.

Step S206, the background server receives the circled script returned by the card issuing bank corresponding to the receiving mobile terminal, and sends the circled script to the receiving mobile terminal, so that the receiving mobile terminal performs the circle of the amount in the transaction voucher according to the circled script. . Specifically, the amount in the electronic cash account of the receiving mobile terminal can be updated according to the circled script, and the amount in the electronic cash account can be displayed on the software such as the APP of the receiving mobile terminal.

Through the above embodiment, the background server performs transaction voucher verification based on the issuer's issuer, and after the verification succeeds, requests the issuer of the payee to perform the deposit, thereby ensuring the security and reliability of the deposit. A transfer transaction between electronic cash accounts under offline status is realized. This facilitates the user's offline transactions and enables quick transfer of individuals to individuals.

In step S202, after the background server sends the transaction credential verification request to the issuer corresponding to the payment device, the issuer corresponding to the payment device verifies the transaction voucher. After the verification is successful, the issuer corresponding to the payment device sends a notification message indicating that the verification is successful to the background server. Based on this, it is possible to ensure the security of the deposit operation based on the transaction voucher and ensure the security of the funds of both parties. At the same time, the issuing bank corresponding to the payment device can update the amount in the electronic cash account of the payment device after the verification is successful.

In step S204, after the background server sends the deposit request corresponding to the amount of the transaction voucher to the card issuing bank corresponding to the receiving mobile terminal, the card issuing bank corresponding to the receiving mobile terminal agrees to the above-mentioned ringing request, and returns the inventory to the background server. script. Based on this, the subsequent execution of the card-issuing behavior corresponding to the card-issuing mobile terminal provides a circled script to ensure the safe and smooth implementation of the storage operation.

Embodiment 3

Based on the same inventive concept, an electronic cash deposit device is provided in the present embodiment, which is applied to a cash-sending mobile terminal, and can be used to implement the electronic cash deposit method described in the first embodiment, as described in the following embodiments. . Since the principle of solving the problem by the electronic cash deposit device is similar to the electronic cash deposit method, the implementation of the electronic cash deposit device can be referred to the implementation of the electronic cash method, and the repeated description will not be repeated. As used hereinafter, the term "module" may implement a combination of software and/or hardware of a predetermined function. Although the apparatus described in the following embodiments is preferably implemented in software, hardware, or a combination of software and hardware, is also possible and contemplated.

3 is a schematic structural diagram of an electronic cash deposit device according to Embodiment 3 of the present invention. As shown in FIG. 3, the device includes: a charge request module 10, a deposit request module 12, and a storage module 14, which are The structure is specified.

The debit request module 10 is configured to send a debit request to the payment device, and receive the transaction voucher returned after the payment device debits successfully;

The storage request module 12 is connected to the debit request module 10 for sending a transaction request based on the transaction voucher to the background server, and receiving the circled script returned by the background server;

The circle storage module 14 is connected to the circle storage request module 12 for storing the amount in the transaction certificate according to the circled script. Specifically, the inventory module 14 is configured to update the amount in the electronic cash account corresponding to the receiving mobile terminal according to the storage script, and display the amount in the electronic cash account on the software such as the APP of the receiving mobile terminal.

If the payment device is an electronic cash card, the above-mentioned charge request module 10 is specifically configured to read the electronic cash card based on the NFC Reader mode and send a charge request to the electronic cash card.

If the payment device is a terminal device that supports the electronic cash application, the debit request module 10 is specifically configured to send a debit request to the terminal device based on the NFC PtoP mode; or send a debit request to the terminal device by using at least one of the following methods: Bluetooth, Audio, USB.

Of course, the above module division is only a schematic division, and the present invention is not limited thereto. The device may further include: a debit request module and a deposit module, the debit request module performs a function related to requesting deduction, and the deposit module executes and requests the deposit, receives the deposit script, and performs the amount in the transaction voucher. The functions related to the circle storage, as long as the module division capable of achieving the object of the present invention, are all within the scope of protection of the present invention.

Embodiment 4

Based on the same inventive concept, the present embodiment provides an apparatus for applying to a mobile terminal, which can be used to implement the electronic cash deposit method described in the first embodiment, as described in the following embodiments. Since the principle of equipment problem solving is similar to the electronic cash deposit method, the implementation of the equipment can be referred to the implementation of the electronic cash method, and the repetition will not be repeated. Although the devices described in the following embodiments are preferably implemented in software, hardware, or a combination of software and hardware, is also possible and contemplated.

FIG. 8 is a schematic structural diagram of a device according to Embodiment 4 of the present invention. As shown in Figure 8, the device includes:

Processor 801; and memory 802 including computer readable instructions. The processor 401 includes the charge request module 10, the deposit request module 12, and the inventory module 14 shown in FIG. The computer readable instructions, when executed, cause the processor to perform the following operations:

If the payment device is an electronic cash card, the computer readable instructions cause the processor to read the electronic cash card based on the NFC Reader mode and send a debit request to the electronic cash card.

If the payment device is a terminal device supporting an electronic cash application, the computer readable instructions cause the processor to send a debit request to the terminal device based on the NFC PtoP mode; or, the at least one of the following manners sends a debit request to the terminal device: Bluetooth, Audio, USB.

In this embodiment, the computer readable instructions cause the processor to perform an inventory of the amount in the transaction voucher according to the circled script, and may update and display the electronic cash account according to the circled script. The amount.

Embodiment 5

Based on the same inventive concept, a computer readable storage medium with computer readable instructions is provided in the present embodiment, and is applied to a cash receiving mobile terminal, which can be used to implement the electronic cash deposit method described in the first embodiment, such as As described in the examples. Since the principle of solving the problem by the computer readable storage medium is similar to the electronic cash deposit method, the implementation of the computer readable storage medium can be referred to the implementation of the electronic cash method, and the repeated description will not be repeated. In a specific implementation, the computer readable instructions, when executed, cause the processor to perform at least the following operations:

In this embodiment, the payment device may be an electronic cash card, and the computer readable instruction causing the processor to send the debit request to the payment device comprises: reading the electronic cash card based on a near field communication NFC Reader mode, And sending a debit request to the electronic cash card.

In this embodiment, the payment device may be a terminal device supporting an electronic cash application, and the computer readable instructions causing the processor to send a chargeback request to the payment device includes: sending a buckle to the terminal device based on an NFC PtoP mode Request; or, at least one of the following methods sends a debit request to the terminal device: Bluetooth, audio, universal serial bus USB.

In this embodiment, the computer readable instruction causes the processor to perform an inventory of the amount in the transaction voucher according to the circled script, and may update and display the amount in the electronic cash account according to the circled script. .

Embodiment 6

Based on the same inventive concept, the present embodiment provides an electronic cash deposit script generating apparatus, which is applied to a background server, and can be used to implement the electronic cash deposit script generating method described in the second embodiment, such as the following embodiment. Said. Since the principle of solving the problem by the electronic cash-carrying script generating device is similar to that of the electronic cash-carrying script generating method, the implementation of the electronic cash-carrying script generating device can be referred to the implementation of the electronic cash-carrying script generating method, and the repeated description will not be repeated. .

4 is a schematic structural diagram of an electronic cash deposit script generating apparatus according to Embodiment 4 of the present invention. As shown in FIG. 4, the apparatus includes: a request receiving module 20, a verification module 22, a queue script requesting module 24, and a circle storing script. The transmitting module 26 will be specifically described below.

The request receiving module 20 is configured to receive a transaction credential-based credential request sent by the receiving mobile terminal, where the transaction credential is a transaction credential generated after the receiving mobile terminal successfully transactions with the payment device.

The verification module 22 is connected to the request receiving module 20 for sending a transaction credential verification request to the issuing bank corresponding to the payment device.

The queue script requesting module 24 is connected to the verification module 22, and after the verification module 22 successfully verifies, sends a volume request corresponding to the amount of the transaction certificate to the card issuing bank corresponding to the receiving mobile terminal.

The circled script sending module 26 is connected to the circled script requesting module 24 for receiving the circled script returned by the card issuing bank corresponding to the receiving mobile terminal, and transmitting the circled script to the receiving mobile terminal to enable the receiving mobile terminal The amount in the transaction voucher is circled according to the circled script. Specifically, the amount in the electronic cash account of the receiving mobile terminal can be updated according to the circled script, and the amount in the electronic cash account can be displayed on the software such as the APP of the receiving mobile terminal.

In this embodiment, after the verification module 22 sends a transaction voucher verification request to the issuer corresponding to the payment device, the issuer corresponding to the payment device verifies the transaction voucher. After the verification is successful, the issuer corresponding to the payment device sends a notification message indicating that the verification is successful to the background server. Based on this, it is possible to ensure the security of the deposit operation based on the transaction voucher and ensure the security of the funds of both parties. At the same time, the issuing bank corresponding to the payment device can update the amount in the electronic cash account of the payment device after the verification is successful.

After the above-mentioned circled script requesting module 24 sends a deposit request corresponding to the amount of the transaction voucher to the card issuing bank corresponding to the receiving mobile terminal, after the card issuing bank corresponding to the receiving mobile terminal agrees to the above-mentioned ringing request, it returns to the background server. Save the script. Based on this, the subsequent execution of the card-issuing behavior corresponding to the card-issuing mobile terminal provides a circled script to ensure the safe and smooth implementation of the storage operation.

Example 7

Based on the same inventive concept, the present embodiment provides an apparatus for applying to a mobile terminal, which can be used to implement the electronic cash deposit method described in the second embodiment, as described in the following embodiments. Since the principle of equipment problem solving is similar to the electronic cash deposit method, the implementation of the equipment can be seen in the implementation of the electronic cash method. The details are not repeated here. Although the devices described in the following embodiments are preferably implemented in software, hardware, or a combination of software and hardware, is also possible and contemplated.

FIG. 9 is a schematic structural diagram of a device according to Embodiment 3 of the present invention. As shown in Figure 9, the device includes:

Processor 801; and memory 902 including computer readable instructions. The processor 801 includes the request receiving module 20, the verification module 22, the circled script requesting module 24, and the circled script sending module 26 shown in FIG. The computer readable instructions, when executed, cause the processor to perform the following operations:

Example eight

Based on the same inventive concept, the computer readable storage medium of the computer readable instructions is provided in the embodiment, and is applied to the receiving mobile terminal, and can be used to implement the electronic cash deposit method described in the second embodiment, such as As described in the examples. Since the principle of solving the problem by the computer readable storage medium is similar to the electronic cash deposit method, the implementation of the computer readable storage medium can be referred to the implementation of the electronic cash method, and the repeated description will not be repeated. In a specific implementation, the computer readable instructions, when executed, cause the processor to perform at least the following operations:

Example nine

This embodiment provides an electronic cash deposit system. FIG. 5 is a schematic structural diagram of an electronic cash deposit system according to Embodiment 5 of the present invention. As shown in FIG. 5, the device includes: a receiving mobile terminal, a background server, and a payment device. The above-mentioned receiving mobile terminal includes:

The electronic cash management application module is configured to connect the payment device, and is configured to send a debit request to the payment device, and receive the transaction voucher returned after the payment device debits successfully; send a transaction request based on the transaction voucher to the background server, and receive the background server to return Circled script;

a storage module, connected to an electronic cash management application module, for storing transaction credentials;

The card module is connected to the electronic cash management application module, and is configured to receive an electronic cash application instruction including a cache script sent by the electronic cash management application module, and store the amount in the transaction voucher according to the circled script. Specifically, the card module includes: a SIM card and/or an SD card.

6 is a schematic diagram showing the working principle of an electronic cash deposit system according to Embodiment 5 of the present invention. As shown in FIG. 6, the electronic cash management application module manages all cards supporting the electronic cash application in the mobile terminal, and the storage module stores the electronic cash transaction. The voucher, the card module supporting the electronic cash application refers to a smart card issued by the issuing bank supporting the electronic cash application, including a SIM card, an SD card and the like.

After the electronic cash management application module successfully debits the payment party, the obtained transaction voucher is stored in the storage module. After the mobile terminal can be networked, it applies to the backend server (also referred to as the transfer server) to apply for the deposit and upload the transaction voucher, and the background server interacts with the issuer to return the script. The electronic cash returns the stored script to the card module through the electronic cash application command to complete the card storage.

The payment device shown in this embodiment is not limited to an electronic cash card and a mobile phone, and includes other devices that support electronic cash transactions. In this embodiment, a confidentiality mechanism can be added between the electronic cash management application module and the background server to ensure transmission security. In this embodiment, the electronic cash management application module and the storage module can be selectively placed in a secure trusted system to ensure information security, including but not limited to a customized system or a dual system terminal (Trusted Execution Environment). TEE.

Example ten

In conjunction with the electronic cash deposit system introduced in the fifth embodiment, the present embodiment introduces the overall process of realizing personal transfer through electronic cash deposit.

At the beginning of the operation of the entire electronic cash deposit system, the payer can hold an electronic cash bank card issued by the issuing bank 1 or an intelligent terminal supporting NFC function (for example, a mobile phone or a tablet). The payee can hold an intelligent terminal supporting the NFC function, and the smart terminal can be loaded with an electronic cash application issued by the issuing bank 2 or a SIM card or an SD card containing the application. This embodiment is described by taking an example in which a payer holds an electronic cash card for trading.

7 is a schematic flow chart of realizing personal transfer by electronic cash deposit according to Embodiment 6 of the present invention. As shown in FIG. 7, the flow is described as follows:

In step S701, the payee applies for deduction from the payer through the smart terminal application. If the payer has an electronic cash card, the card is read based on the NFC Reader mode of the smart terminal. If the payer has a smart terminal supporting the electronic cash application, the communication interaction between the payer and the payee can be realized based on the NFC PtoP mode, or the communication interaction can be realized at least through Bluetooth, audio, USB, and the like.

Step S702, after the payer agrees to deduct the payment, the transaction voucher is generated for the transaction information, and is returned to the payee.

In step S703, the payee receives the transaction voucher and the transaction is successful. At this point, offline transfer can be considered successful, but the amount received is not yet stored in the certificate, and can be regarded as being "frozen". The payee can choose to connect to the backend server in the system to initiate a transaction request based on the transaction voucher.

Step S704, the background server shown in the system receives the transaction request based on the transaction credential. Send a transaction voucher verification request to issuer 1.

In step S705, the issuing bank 1 verifies the transaction voucher and returns the verification success information to the background server. The issuing bank 1 can update the back-end electronic cash account of the electronic cash card held by the payer after receiving the transaction voucher.

Step S706, after receiving the verification success information from the card issuer 1, the background server sends a deposit request to the issue card 2, and the deposit amount is consistent with the transaction certificate.

Step S707, after the card issuing line 2 receives the request for the circle, the card issuing line returns to the background server.

Step S708, the background server forwards the circled script to the payee's smart terminal. The intelligent terminal performs a looping script on the electronic cash application in the terminal to complete the circle storage. After that, the electronic cash balance has been increased on the smart terminal.

Through the technical solution of the embodiment, the payee can use the electronic cash deposit system to make electronic cash deposits by using the payment transaction voucher of the payer, and indirectly realize the transfer between the offline electronic cash accounts.

As can be seen from the above description, the present invention provides a new scheme for electronic cash application storage. The present invention has less modification to the existing system in the process of implementing the offline transfer of the electronic cash account, and the payer does not need to be modified. The payee has added an electronic cash deposit request method, but the card processing execution script execution method does not need to be changed. The invention realizes the function of electronic cash offline transfer by utilizing the transaction voucher of an electronic cash account deduction to another electronic cash account. The invention solves the problem that the offline transaction scene in the related art cannot realize the personal-to-person transfer, realizes the electronic cash offline transfer function, and realizes the transfer transaction between the electronic cash accounts in the offline state. This facilitates the user's offline transactions and enables quick transfer of individuals to individuals.

In the description of the present specification, the description with reference to the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" and the like means a specific feature described in connection with the embodiment or example. A structure, material or feature is included in at least one embodiment or example of the invention. In the present specification, the schematic representation of the above terms does not necessarily mean the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in a suitable manner in any one or more embodiments or examples.

The above described specific embodiments of the present invention are further described in detail, and are intended to be illustrative of the embodiments of the present invention. All modifications, equivalent substitutions, improvements, etc., made within the spirit and scope of the invention are intended to be included within the scope of the invention.

Claims

An electronic cash deposit method, comprising:

Sending a debit request to the payment device, and receiving a transaction voucher returned after the payment device successfully debits;

Sending a deposit request based on the transaction voucher to a background server, and receiving a circled script returned by the background server;

The amount in the transaction voucher is circled according to the circled script.
The method of claim 1, wherein the payment device is an electronic cash card, and transmitting the debit request to the payment device comprises: reading the electronic cash card based on a near field communication NFC Reader mode, and The electronic cash card sends a debit request.
The method of claim 1, wherein the payment device is a terminal device supporting an electronic cash application, and sending the chargeback request to the payment device comprises: transmitting a chargeback request to the terminal device based on an NFC PtoP mode; or Sending a debit request to the terminal device in at least one of the following manners: Bluetooth, audio, universal serial bus USB.
The method of claim 1 wherein depositing an amount in the transaction voucher based on the credential script comprises updating and displaying an amount in an electronic cash account based on the credential script.
A computer readable storage medium comprising computer readable instructions, wherein the computer readable instructions, when executed, cause a processor to perform at least the following:

Sending a debit request to the payment device, and receiving a transaction voucher returned after the payment device successfully debits;

Sending a deposit request based on the transaction voucher to a background server, and receiving a circled script returned by the background server;

The amount in the transaction voucher is circled according to the circled script.
A computer readable storage medium according to claim 5, wherein said payment device is an electronic cash card, said computer readable instructions causing said processor to send a chargeback request to said payment device comprises: based on near field communication The NFC Reader mode reads the electronic cash card and sends a debit request to the electronic cash card.
The computer readable storage medium of claim 5, wherein the payment device is a terminal device supporting an electronic cash application, the computer readable instructions causing the processor to send a chargeback request to the payment device comprises: Sending a debit request to the terminal device based on the NFC PtoP mode; or sending a debit request to the terminal device in at least one of the following manners: Bluetooth, audio, universal serial bus USB.
The computer readable storage medium of claim 5, wherein the computer readable instructions cause the processor to inventory an amount in the transaction credential according to the credential script, comprising: according to the circle Save the script, update and display the amount in the e-cash account.
A device comprising:

Processor; and

A memory comprising computer readable instructions that, when executed, cause the processor to:

Sending a debit request to the payment device, and receiving a transaction voucher returned after the payment device successfully debits;

Sending a deposit request based on the transaction voucher to a background server, and receiving a circled script returned by the background server;

The amount in the transaction voucher is circled according to the circled script.
The device of claim 9, wherein the payment device is an electronic cash card, the computer readable instructions causing the processor to send a debit request to the payment device comprising: reading based on a near field communication NFC Reader mode Taking the electronic cash card and sending a debit request to the electronic cash card.
The device of claim 9, wherein the payment device is a terminal device supporting an electronic cash application, the computer readable instructions causing the processor to send a chargeback request to the payment device comprising: based on an NFC PtoP mode Sending a debit request to the terminal device; or sending a debit request to the terminal device in at least one of the following manners: Bluetooth, audio, universal serial bus USB.
The apparatus of claim 9, wherein the computer readable instructions cause the processor to perform an inventory of the amount in the transaction credential according to the credential script, comprising: updating according to the credential script And display the amount in the electronic cash account.
An electronic cash deposit script generating method, comprising:

Receiving a transaction credential-based enrollment request sent by the receiving mobile terminal, and sending a transaction credential verification request to the issuing bank corresponding to the payment device, wherein the transaction voucher is after the receiving mobile terminal successfully transactions with the payment device Transaction credentials generated;

After the verification is successful, sending a deposit request corresponding to the amount of the transaction voucher to the card issuing bank corresponding to the receiving mobile terminal;

Receiving a looping script returned by the card issuing bank corresponding to the receiving mobile terminal, and sending the circled script to the receiving mobile terminal, so that the receiving mobile terminal pairs the transaction according to the circled script The amount in the voucher is circled.
A computer readable storage medium comprising computer readable instructions, wherein the computer readable instructions, when executed, cause a processor to perform at least the following:

Receiving a transaction credential-based enrollment request sent by the receiving mobile terminal, and sending a transaction credential verification request to the issuing bank corresponding to the payment device, wherein the transaction voucher is after the receiving mobile terminal successfully transactions with the payment device Transaction credentials generated;

After the verification is successful, sending a deposit request corresponding to the amount of the transaction voucher to the card issuing bank corresponding to the receiving mobile terminal;

Receiving a looping script returned by the card issuing bank corresponding to the receiving mobile terminal, and sending the circled script to the receiving mobile terminal, so that the receiving mobile terminal pairs the transaction according to the circled script The amount in the voucher is circled.
A device comprising:

Processor; and

A memory comprising computer readable instructions that, when executed, cause the processor to:

Receiving a transaction credential-based enrollment request sent by the receiving mobile terminal, and sending a transaction credential verification request to the issuing bank corresponding to the payment device, wherein the transaction voucher is after the receiving mobile terminal successfully transactions with the payment device Transaction credentials generated;

After the verification is successful, sending a deposit request corresponding to the amount of the transaction voucher to the card issuing bank corresponding to the receiving mobile terminal;

Receiving a looping script returned by the card issuing bank corresponding to the receiving mobile terminal, and sending the circled script to the receiving mobile terminal, so that the receiving mobile terminal pairs the transaction according to the circled script The amount in the voucher is circled.
An electronic cash deposit system, wherein the electronic cash deposit system comprises: a receiving mobile terminal, a background server, and a payment device;

The receiving mobile terminal includes:

An electronic cash management application module, connected to the payment device, configured to send a debit request to the payment device, and receive a transaction voucher returned after the payment device successfully debits; send the transaction voucher to the background server The circle saves the request and receives the circled script returned by the background server;

a storage module, connected to the electronic cash management application module, for storing the transaction voucher;

a card module, configured to receive the electronic cash management application module, configured to receive an electronic cash application instruction that is sent by the electronic cash management application module and includes the circled script, and the amount in the transaction certificate according to the circled script Carry out the deposit.
The electronic cash deposit system of claim 16, wherein the card module comprises: a customer identification module SIM card and/or a secure digital SD card.