CN101742469B

CN101742469B - System and method for controlling mobile phone RFID non-contact transaction attribution

Info

Publication number: CN101742469B
Application number: CN2009102382599A
Authority: CN
Inventors: 候万春
Original assignee: Individual
Current assignee: Shandong Senze Information Technology Co ltd
Priority date: 2009-11-24
Filing date: 2009-11-24
Publication date: 2012-05-30
Anticipated expiration: 2029-11-24
Also published as: CN101742469A

Abstract

A system and a method for controlling mobile phone RFID non-contact transaction attribution provide safe, error-free and cross-free mobile phone transaction services based on an RFID smart card, and simultaneously provide transaction control and transaction services based on the geographic position of a mobile phone, wherein the transaction comprises consumption, payment, inquiry, discount identification, preferential payment, credit repayment, first purchase reward and the like.

Description

The system and method for mobile phone RFID non-contact transaction attribution control

Technical field

The present invention relates to communication technical field, the system and method for particularly controlling based on the mobile phone RFID non-contact transaction attribution of radio RF recognition technology.Along with at mobile phone being integrated wireless radio frequency discrimination RFID antenna and IC-card transaction (particularly transferring accounts or payment or wallet) chip on the mobile phone; Or on the SIM of mobile phone the integrated radio frequency identification IC-card chip that has antenna; Mobile phone can be consumed on the noncontact consumption POS of support wireless radio frequency discrimination RFID or transfer accounts; The process of exchange of the present invention through initiating based on contactless IC card on the trade company's identification code of the roaming position of mobile phone, contactless payment POS and the policy control mobile phones such as position and contactless ic card identification code consumed trade company to the mobile phone user with mobile phone the consumption or the payment of devoid of risk or the service of transferring accounts is provided.

Background technology

At present moving communicating field; On mobile phone, increasing the non-contact RF ID application of IC cards is adopted by how tame telecommunications operator; Particularly be integrated into the mobile phone electronic purse application in the mobile phone to the RFID smart card; But defective is: 1, the management of the RFID mobile phone electronic wallet of telecom operators is responsible for by self, causes the mobile phone electronic wallet of the A of telecom operators on the POS of the B of telecom operators, to consume, and POS trade company takes place settle accounts the not phenomenon of goods arrival payment; 2,, possibly on the POS outside the ownership place, consume for the mobile phone electronic wallet that can not outside ownership place, consume; 3, lose or the mobile phone electronic wallet copied produces consumption on POS.

Said RFID smart card is made up of IC chip, induction antenna, combines with the SIM/UIM/USIM of mobile phone, and the mobile phone electronic wallet is provided.

The English name of said POS is Point OfSales; Be meant the payment point of sale terminal; It is a kind of multi-functional terminal end, is installed in franchised business to it and is unified into network with computer with accepting in the site, just can realize that electronic funds transfers accounts automatically; It has support off-line consumption, online consumption, inquiry into balance, transfer accounts, function such as reconciliation, use safety, quick, reliable.

The inventor carries out the system and method for home control to the RFID mobile phone wallet; Overcome the above-mentioned defective of mobile phone electronic wallet, adopted telecom operators of the present invention can avoid out of control, the imitation equivalent risk of series connection consumption, roaming in mobile phone electronic purse application or the mobile phone RFID transaction.

Existing computer technology, network technology and the communication technology; Make the system and method technical conceive of the realization mobile phone wireless radio frequency discrimination RFID non-contact transaction attribution control that the inventor proposes first that the possibility that realizes arranged, that is to say that the operation system for realizing the control of mobile phone wireless radio frequency discrimination RFID non-contact transaction attribution provides technical support.Therefore, the notion based on the control of the mobile phone RFID non-contact transaction attribution of radio RF recognition technology that proposes first of the inventor has obtained establishment.

Summary of the invention

The present invention is directed to the defective or the deficiency that exist in the prior art, the system and method based on the control of the mobile phone RFID non-contact transaction attribution of radio RF recognition technology is provided, the non-contact transaction of mobile phone RFID is carried out home control.Said transaction comprises consumption, payment, inquiry, discount identification, preferential payment, mode credit payment, buys award etc. earlier.

Series technical project of the present invention is following:

A kind of system that can carry out home control to the non-contact transaction of mobile phone is characterized in that, comprising:

Mobile phone RFID smart card management server is the Computer Database server, is used to set up and the corresponding relation of managing mobile phone RFID smart card master's identification code and phone number or IMSI; Be used to set up the also master key and each subregion readwrite key and payment key of managing mobile phone RFID smart card; Be used to set up effective transaction zone with the RFID smart card; Be used to set up the main account charting with the RFID smart card, whether effectively said main account form comprises main identification code field, whether available fields, field, business type field, traffic limits field; Be used to set up the subregion account charting with the RFID smart card, whether effectively said subregion account form comprises sub-identification code field, whether available fields, field, business type field, traffic limits field, active state field, related main identification code field; Receive management and query manipulation instruction message according to predetermined communication protocol to the mobile phone RFID smart card from authorization device or authoring system, and after according to said operational order the RFID smart card being operated, return result's response message; Receive from the up-to-date roaming position of mobile communications network and the phone number mobile phone RFID smartcards or IMSI and be updated to the position of said RFID smart card according to predetermined communication protocol; The operational order message that the RFID smart card is managed and controlled that receives from the phone number user of mobile phone RFID smartcards according to predetermined communication protocol comprises activation manipulation and deactivation operation; And after according to said instruction the RFID smart card being operated, return result's response message;

Noncontact POS management server; Computer by being furnished with database constitutes; Be used for setting up and the management POS of trade company number of the account charting, whether effectively said POS number of the account form comprises POS identification code field, consumption button rate field, open a bank account name field, consumption concessionary rate field of field, business type field, traffic limits field, trade company's identification code field, service position field, ownership management address field, trade company's Bank Account Number field, trade company; Be used to set up and manage the master key and transaction operation key of POS; Receive management and query manipulation instruction message according to predetermined communication protocol to POS from authorization device or authoring system, and after according to said operational order POS being operated, return result's response message;

RFID smart card trading account management server; Computer by being furnished with database constitutes; Be used to set up the transaction primary account number charting with the RFID smart card, said primary account number form comprises main identification code field, trading password field, remaining sum field, business type field; Be used to set up the transaction subregion number of the account charting with the RFID smart card, said transaction subregion number of the account form comprises sub-identification code field, remaining sum field, business type field, related main identification code field; Receive transaction operational order message according to predetermined communication protocol to mobile phone RFID smart card primary account number or the sub-number of the account of subregion from authorization device or authoring system; And after according to said operational order the RFID smart card account in the said operation being operated, return result's response message; Said transaction operation comprises the deposit operation, supplements operation with money, the operation of transferring accounts, consume operations, the operation of withdrawing deposit, towards the operation of just operating and/or querying the balance;

RFID smart card transaction attribution control gateway is made up of the computer of being furnished with database, is used for communicating according to predetermined communication protocol and POS or RFID intelligent card subscriber; After receiving transaction operational order message to mobile phone RFID smart card primary account number or the sub-number of the account of subregion from POS; Mutual with the POS management server; After obtaining the attribute of said POS, mutual with mobile phone RFID smart card management server, but obtain the trading privilege of RFID smart card on the said POS information perhaps in the said trading instruction; For being rejected the RFID smart card of on said POS, concluding the business; Return the response message of refusal transaction and give said POS, for the RFID smart card that can on said POS, conclude the business, if said transaction operation is an off-line trading; Then return the response message that allows transaction and give said POS; And generate with RFID smart card transaction number of the account to be the off-line trading record of index,, then to send said transaction operational order message to RFID smart card trading account management server if said transaction operation is online transaction; After the response message of returning RFID smart card trading account management server was transmitted to said POS, generating with RFID smart card transaction number of the account was the transaction record of index; After receiving the operational order message of terminal, RFID smart card place being uploaded by the management of RFID smart card or control or roaming position; Send said operational order message and give mobile phone RFID smart card management server, and the response message of returning mobile phone RFID smart card management server is transmitted to said terminal; Receive management and query manipulation instruction message according to predetermined communication protocol, send said operational order message and give the POS management server, and the response message of returning the POS management server is transmitted to the requesting party POS from authorization device or authoring system; Receive operational order message, after checking with the transaction record of said POS trade company in said operation fixed time section, return the response message that comprises checked result from the online reconciliation of POS or off-line clearance;

Contactless payment POS; English name is Point Of Sales; Being meant the terminal of the support mobile phone RFID smart card transaction of payment point of sale, is a kind of multi-functional terminal end, is installed in franchised business and is connected to network with accepting in the site with RFID smart card transaction attribution control gateway; Realize that electronic funds transfers accounts automatically, function comprises: off-line consumption, online consumption, inquiry into balance, transfer accounts, reconciliation;

The RFID smart card carries the terminal, and the mobile telephone terminal of RFID smart card that has been integrated has RFID smart card Control-Menu; Have according to predetermined communication protocol and RFID smart card transaction attribution control gateway mutual, the function that the RFID smart card is managed or controlled; Has the function that the mobile telephone terminal roaming position that comprises RFID smart card master identification code content in following of the condition of setting according to predetermined communication protocol uploads to RFID smart card transaction attribution control gateway.

The condition of said setting is meant that mobile telephone terminal is when a base station sub-system roams into another base station sub-system.

The condition of said setting is meant when the mobile telephone terminal authentication gets into roaming place mobile communication subsystem.

A kind of roaming position acquisition method that can carry out home control to the non-contact transaction of mobile phone is characterized in that, may further comprise the steps:

(a) shift in position at RFID smart card carrying terminal has triggered and has uploaded the roaming position operation;

(b) the RFID smart card carry the terminal generate comprise roaming position, RFID smart card master identification code content information upload the roaming position instruction message, send to RFID smart card transaction attribution control gateway to the said roaming position instruction message of uploading according to predetermined communication protocol;

(c) said RFID smart card transaction attribution control gateway receive said upload the roaming position instruction message after, be transmitted to the mobile phone RFID smart card management server under the said RFID smart card master identification code;

(d) said mobile phone RFID smart card management server receive said upload the roaming position instruction message after, behind the roaming position of the said RFID smart card of registration, echo reply message is given said RFID smart card transaction attribution control gateway in database;

(e) after said RFID smart card transaction attribution control gateway receives said response message, be transmitted to said RFID smart card and carry the terminal;

(f) said RFID smart card carries after the terminal receives said response message, finishes to upload the roaming position operation.

In the said step (f); Further comprise if comprise the information content that is shown to the user in the response message; Then RFID smart card carrying terminal displays the said information content; The mode of said displaying comprises that voice suggestion, word content show, video content is play, and said displaying contents comprises merchant information, commodity favor information and/or the notice information in the current location scope.

A kind of off-line trading control method that can carry out home control to the non-contact transaction of mobile phone is characterized in that, may further comprise the steps:

The a.RFID smart card carries the terminal and on contactless payment POS, carries out the off-line trading operation;

B. said contactless payment POS generates the off-line trading authentication instruction message that comprises POS identification code field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content, dealing money field contents, sends to RFID smart card transaction attribution control gateway to said off-line trading authentication instruction message according to predetermined communication protocol;

C. after said RFID smart card transaction attribution control gateway receives said off-line trading authentication instruction message, be transmitted to the affiliated noncontact POS management server of said contactless payment POS;

D. after said noncontact POS management server receives said off-line trading authentication instruction message; POS and said off-line trading authentication instruction message to initiating said off-line trading carry out safety and integrity checking; If inspection is not passed through; Then generate comprise POS invalid field content do not allow the response message of concluding the business, send to said RFID smart card transaction attribution control gateway; If inspection is passed through; Then in database, retrieve validity field contents, service position field contents, consumption button rate field contents, ownership management address field contents, the consumption concessionary rate field contents of said POS according to the POS identification code; And generate the response message of said off-line trading authentication instruction message, send to said RFID smart card transaction attribution control gateway;

E. after said RFID smart card transaction attribution control gateway receives said response message,, then send after the response message do not allow to conclude the business gives said contactless payment POS execution in step h for the response message that does not allow to conclude the business; For the response message of permission transaction, then send the RFID smart card transaction authentication instruction message that comprises POS service position field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content and give said RFID smart card master identification code affiliated mobile phone RFID smart card management server;

F. after said mobile phone RFID smart card management server receives said RFID smart card transaction authentication instruction message; RFID smart card in the database is carried out the transaction approval authentication at the POS of said service position; And generate the response message of said RFID smart card transaction authentication instruction message with said permission authentication result, return to said RFID smart card transaction attribution control gateway;

G. after said RFID smart card transaction attribution control gateway receives said response message, generate the response message of said off-line trading authentication instruction message, and send to said contactless payment POS;

H. contactless payment POS receives the response message of off-line trading authentication instruction message; For the response message that allows transaction, accomplish subsequent P OS off-line trading process, for the response message that does not allow to conclude the business; After then operating according to the indication in the response message, execution in step i;

I. off-line trading finishes.

Said step h comprises that further the indication in the response message that does not allow to conclude the business is meant that the current RFID smart card of locking carries the RFID smart card at terminal; Or close the trading function that current RFID smart card carries the RFID smart card at terminal; Or on current RFID smart card carrying terminal, show that said POS does not provide transactional services to current RFID smart card.

A kind of online transaction control method that can carry out home control to the non-contact transaction of mobile phone is characterized in that, may further comprise the steps:

The A.RFID smart card carries the terminal and on contactless payment POS, carries out the online transaction operation;

B. said contactless payment POS generates the online transaction instruction message that comprises POS identification code field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content, dealing money field contents, sends to RFID smart card transaction attribution control gateway to said online transaction instruction message according to predetermined communication protocol;

C. after said RFID smart card transaction attribution control gateway receives said online transaction instruction message, be transmitted to the affiliated noncontact POS management server of said contactless payment POS;

D. after said noncontact POS management server receives said online transaction instruction message; POS and said online transaction instruction message to initiating said online transaction carry out safety and integrity checking; If inspection is not passed through; Then generate comprise POS invalid field content do not allow the response message of concluding the business, send to said RFID smart card transaction attribution control gateway; If inspection is passed through; Then in database, retrieve validity field contents, service position field contents, consumption button rate field contents, ownership management address field contents, the consumption concessionary rate field contents of said POS according to the POS identification code; And generate the response message of said online transaction instruction message, send to said RFID smart card transaction attribution control gateway;

E. after said RFID smart card transaction attribution control gateway receives said response message,, then send after the response message do not allow to conclude the business gives said contactless payment POS execution in step J for the response message that does not allow to conclude the business; For the response message of permission transaction, then send the RFID smart card transaction authentication instruction message that comprises POS service position field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content and give said RFID smart card master identification code affiliated mobile phone RFID smart card management server;

G. after said RFID smart card transaction attribution control gateway receives said response message, judge whether current transaction allows,, then send after the response message do not allow to conclude the business gives said contactless payment POS execution in step J if do not allow; If allow, then send said online transaction and instruct to the RFID smart card trading account management server under the said RFID smart card master identification code;

H. said RFID smart card trading account management server receives said online transaction instruction, the database manipulation that carries out online transaction, and generate response message according to operating result and return to said RFID smart card transaction attribution control gateway;

I. said RFID smart card transaction attribution control gateway receives said response message, generates the response message of said online transaction instruction, sends to said contactless payment POS;

J. said contactless payment POS receives response message, for the response message of Transaction Success, accomplishes subsequent P OS process of exchange, for the response message that does not allow to conclude the business, and after then operating according to the indication in the response message, execution in step K;

K. online transaction finishes.

A kind of user's control method that can carry out home control to the non-contact transaction of mobile phone is characterized in that, may further comprise the steps:

(A) .RFID smart card carrying terminal use selects project and the execution to the RFID smart card operation in the RFID at said terminal smart card control and hypervisor or menu;

(B) the .RFID smart card carries the terminal and is encoded to RFID smart card operating instruction message to the corresponding operation of said project according to predetermined communication protocol, sends to RFID smart card transaction attribution control gateway;

(C). after said RFID smart card transaction attribution control gateway receives said operational order message, be transmitted to the affiliated mobile phone RFID smart card management server of said RFID smart card master identification code;

(D). said mobile phone RFID smart card management server receives said operational order; Terminal and said operational order message to initiating said operation are carried out safety and integrity checking; If inspection is not passed through, then return the response message of terminal authentication failure and give said RFID smart card transaction attribution control gateway; If inspection is passed through, then in database, said RFID smart card is carried out said operation, and return to said RFID smart card transaction attribution control gateway according to operating result generation response message;

(E). said RFID smart card transaction attribution control gateway receives said response message, is transmitted to said RFID smart card and carries the terminal;

(F). said RFID smart card carries the terminal and receives response message, and shows operating result;

Said project is meant the trading function that deactivates the RFID smart card, or activates the trading function of RFID smart card, or closes the trading function of RFID smart card, or opens the trading function of RFID smart card; Wherein, the RFID smart card that trading function is closed or quilt is deactivated can not carry out off-line trading or online transaction.

Technique effect of the present invention is following:

The present invention provides the system and method to the non-contact transaction attribution control of the mobile phone of supporting wireless radio frequency discrimination RFID.Adopt system and method for the present invention; Safety, zero defect, achiasmate mobile phone transaction business based on the RFID smart card can be provided; Transaction control and transactional services based on the mobile phone geographical position are provided simultaneously, and said transaction comprises consumption, payment, inquiry, discount identification, preferential payment, mode credit payment, buys award etc. earlier.

Description of drawings

Fig. 1 is the present invention carries out home control to the non-contact transaction of mobile phone a system configuration sketch map.

Fig. 2 is the system configuration sketch map of the embodiment of the invention one.

Embodiment

Fig. 1 is the optimum decision system structural representation that the non-contact transaction of mobile phone is carried out home control, wherein:

The RFID smart card carries terminal 110 and connects RFID smart card transaction attribution control gateway 100 through mobile communications network 150; Adopt TCP/IP to communicate for data communication; For short message or IVR or USSD communication, adopt the application that signalling system No.7 carries to communicate, preferably; Communication protocol is formulated on the basis in short message point-to-point (Short Message Peer-to-Peer, i.e. SMPP) agreement;

Contactless payment POS 120 connects RFID smart card transaction attribution control gateway 100 through data network 160; Adopt TCP/IP to communicate; Preferably, communication protocol adopts communication protocol to formulate on the basis in " POS of China Unionpay terminal specification " agreement of China Unionpay's issue;

RFID smart card transaction attribution control gateway 100 interconnects respectively through the system separately in data network 170 and the RFID smart card trading account management server 130, the system separately in the mobile phone RFID smart card management server 140, the system separately of noncontact POS management server; Adopt TCP/IP to communicate; Preferably, communication protocol is formulated on the basis in " the interchanger networking United Technologies standard V2.0 " of China Unionpay's issue agreement;

Preferably,, define as follows with reference to " POS of China Unionpay terminal specification ", the off-line trading instruction message of POS,

Corresponding transaction message in " interchanger networking United Technologies standard V2.0 " agreement is directly adopted in other transaction.

Mobile phone RFID smart card management server 140 is Computer Database servers, is used to set up and the corresponding relation of managing mobile phone RFID smart card master's identification code and phone number or IMSI; Be used to set up the also master key and each subregion readwrite key and payment key of managing mobile phone RFID smart card; Be used to set up effective transaction zone with the RFID smart card; Be used to set up the main account charting with the RFID smart card, whether effectively said main account form comprises main identification code field, whether available fields, field, business type field, traffic limits field; Be used to set up the subregion account charting with the RFID smart card, whether effectively said subregion account form comprises sub-identification code field, whether available fields, field, business type field, traffic limits field, active state field, related main identification code field; Receive management and query manipulation instruction message according to predetermined communication protocol to the mobile phone RFID smart card from authorization device or authoring system, and after according to said operational order the RFID smart card being operated, return result's response message; Receive from the up-to-date roaming position of mobile communications network and the phone number mobile phone RFID smartcards or IMSI and be updated to the position of said RFID smart card according to predetermined communication protocol; The operational order message that the RFID smart card is managed and controlled that receives from the phone number user of mobile phone RFID smartcards according to predetermined communication protocol comprises activation manipulation and deactivation operation; And after according to said instruction the RFID smart card being operated, return result's response message;

Noncontact POS management server 150; Computer by being furnished with database constitutes; Be used for setting up and the management POS of trade company number of the account charting, whether effectively said POS number of the account form comprises POS identification code field, consumption button rate field, open a bank account name field, consumption concessionary rate field of field, business type field, traffic limits field, trade company's identification code field, service position field, ownership management address field, trade company's Bank Account Number field, trade company; Be used to set up and manage the master key and transaction operation key of POS; Receive management and query manipulation instruction message according to predetermined communication protocol to POS from authorization device or authoring system, and after according to said operational order POS being operated, return result's response message;

RFID smart card trading account management server 130; Computer by being furnished with database constitutes; Be used to set up the transaction primary account number charting with the RFID smart card, said primary account number form comprises main identification code field, trading password field, remaining sum field, business type field; Be used to set up the transaction subregion number of the account charting with the RFID smart card, said transaction subregion number of the account form comprises sub-identification code field, remaining sum field, business type field, related main identification code field; Receive transaction operational order message according to predetermined communication protocol to mobile phone RFID smart card primary account number or the sub-number of the account of subregion from authorization device or authoring system; And after according to said operational order the RFID smart card account in the said operation being operated, return result's response message; Said transaction operation comprises the deposit operation, supplements operation with money, the operation of transferring accounts, consume operations, the operation of withdrawing deposit, towards the operation of just operating and/or querying the balance;

RFID smart card transaction attribution control gateway 100 is made up of the computer of being furnished with database, is used for communicating according to predetermined communication protocol and POS or RFID intelligent card subscriber; After receiving transaction operational order message to mobile phone RFID smart card primary account number or the sub-number of the account of subregion from POS; Mutual with noncontact POS management server 150; After obtaining the attribute of said POS, mutual with mobile phone RFID smart card management server 140, but obtain the trading privilege of RFID smart card on the said POS information perhaps in the said trading instruction; For being rejected the RFID smart card of on said POS, concluding the business; Return the response message of refusal transaction and give said POS, for the RFID smart card that can on said POS, conclude the business, if said transaction operation is an off-line trading; Then return the response message that allows transaction and give said POS; And generate with RFID smart card transaction number of the account to be the off-line trading record of index,, then to send said transaction operational order message to RFID smart card trading account management server 130 if said transaction operation is online transaction; After the response message of returning RFID smart card trading account management server 130 was transmitted to said POS, generating with RFID smart card transaction number of the account was the transaction record of index; After receiving the operational order message of terminal, RFID smart card place being uploaded by the management of RFID smart card or control or roaming position; Send said operational order message and give mobile phone RFID smart card management server 140, and the response message of returning mobile phone RFID smart card management server 140 is transmitted to said terminal; Receive management and query manipulation instruction message according to predetermined communication protocol to POS from authorization device or authoring system; Send said operational order message and give noncontact POS management server 150, and the response message of returning noncontact POS management server 150 is transmitted to the requesting party; Receive operational order message, after checking with the transaction record of said POS trade company in said operation fixed time section, return the response message that comprises checked result from the online reconciliation of POS or off-line clearance;

Contactless payment POS 120; English name is Point Of Sales; Being meant the terminal of the support mobile phone RFID smart card transaction of payment point of sale, is a kind of multi-functional terminal end, is installed in franchised business and is connected to network with accepting in the site with RFID smart card transaction attribution control gateway 100; Realize that electronic funds transfers accounts automatically, function comprises: off-line consumption, online consumption, inquiry into balance, transfer accounts, reconciliation;

The RFID smart card carries terminal 110, and the mobile telephone terminal of RFID smart card that has been integrated has RFID smart card Control-Menu; Have according to predetermined communication protocol and RFID smart card transaction attribution control gateway 100 mutual, the function that the RFID smart card is managed or controlled; Has the function that the mobile telephone terminal roaming position that comprises RFID smart card master identification code content in following of the condition of setting according to predetermined communication protocol uploads to RFID smart card transaction attribution control gateway 100.

A kind of roaming position acquisition method that can carry out home control to the non-contact transaction of mobile phone may further comprise the steps:

(a) shift in position at RFID smart card carrying terminal 110 has triggered and has uploaded the roaming position operation;

(b) the RFID smart card carry terminal 110 generate comprise roaming position, RFID smart card master identification code content information upload the roaming position instruction message, send to RFID smart card transaction attribution control gateway 100 to the said roaming position instruction message of uploading according to predetermined communication protocol;

(c) RFID smart card transaction attribution control gateway 100 receive said upload the roaming position instruction message after, be transmitted to the mobile phone RFID smart card management server 140I under the said RFID smart card master identification code;

(d) mobile phone RFID smart card management server 140I receive said upload the roaming position instruction message after, behind the roaming position of the said RFID smart card of registration, echo reply message is given RFID smart card transaction attribution control gateway 100 in database;

(e) after RFID smart card transaction attribution control gateway 100 receives said response message, be transmitted to the RFID smart card and carry terminal 110;

(f) after RFID smart card carrying terminal 110 receives said response message, finish to upload the roaming position operation.

In the said step (f); Further comprise if comprise the information content that is shown to the user in the response message; Then RFID smart card carrying terminal 110 displays the said information content; The mode of said displaying comprises that voice suggestion, word content show, video content is play, and said displaying contents comprises merchant information, commodity favor information and/or the notice information in the current location scope.

A kind of off-line trading control method that can carry out home control to the non-contact transaction of mobile phone may further comprise the steps:

The a.RFID smart card carries terminal 110 and on contactless payment POS 120, carries out the off-line trading operation;

B. contactless payment POS 120 generates the off-line trading authentication instruction message that comprises POS identification code field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content, dealing money field contents, sends to RFID smart card transaction attribution control gateway 100 to said off-line trading authentication instruction message according to predetermined communication protocol;

After c.RFID smart card transaction attribution control gateway 100 receives said off-line trading authentication instruction message, be transmitted to the affiliated noncontact POS management server 150I of said contactless payment POS;

D. after noncontact POS management server 150I receives said off-line trading authentication instruction message; Contactless payment POS 120 is carried out safety and integrity checking with said off-line trading authentication instruction message; If inspection is not passed through; Then generate comprise POS invalid field content do not allow the response message of concluding the business, send to RFID smart card transaction attribution control gateway 100; If inspection is passed through; Then in database, retrieve validity field contents, service position field contents, consumption button rate field contents, ownership management address field contents, the consumption concessionary rate field contents of said POS according to the POS identification code; And generate the response message of said off-line trading authentication instruction message, send to RFID smart card transaction attribution control gateway 100;

After e.RFID smart card transaction attribution control gateway 100 receives said response message,, then send after the response message do not allow to conclude the business gives contactless payment POS 120 execution in step h for the response message that does not allow to conclude the business; For the response message of permission transaction, then send the RFID smart card transaction authentication instruction message that comprises POS service position field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content and give said RFID smart card master identification code affiliated mobile phone RFID smart card management server 140J;

F. after mobile phone RFID smart card management server 140J receives said RFID smart card transaction authentication instruction message; RFID smart card in the database is carried out the transaction approval authentication at the POS of said service position; And generate the response message of said RFID smart card transaction authentication instruction message with said permission authentication result, return to RFID smart card transaction attribution control gateway 100;

After g.RFID smart card transaction attribution control gateway 100 receives said response message, generate the response message of said off-line trading authentication instruction message, and send to contactless payment POS 120;

H. contactless payment POS 120 receives the response message of off-line trading authentication instruction message; For the response message that allows transaction, accomplish subsequent P OS off-line trading process, for the response message that does not allow to conclude the business; After then operating according to the indication in the response message, execution in step i;

I. off-line trading finishes.

Said step h comprises that further the indication in the response message that does not allow to conclude the business is meant that the current RFID smart card of locking carries the RFID smart card at terminal 110; Or close the trading function that current RFID smart card carries the RFID smart card at terminal 110; Or on RFID smart card carrying terminal 110, show that said POS does not provide transactional services to current RFID smart card.

A kind of online transaction control method that can carry out home control to the non-contact transaction of mobile phone may further comprise the steps:

The A.RFID smart card carries terminal 110 and on contactless payment POS 120, carries out the online transaction operation;

B. contactless payment POS 120 generates the online transaction instruction message that comprises POS identification code field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content, dealing money field contents, sends to RFID smart card transaction attribution control gateway 100 to said online transaction instruction message according to predetermined communication protocol;

C.RFID smart card transaction attribution control gateway connect 100 receive said online transaction instruction message after, be transmitted to the noncontact POS management server 150J under the contactless payment POS 120;

D. after noncontact POS management server 150J receives said online transaction instruction message; POS and said online transaction instruction message to initiating said online transaction carry out safety and integrity checking; If inspection is not passed through; Then generate comprise POS invalid field content do not allow the response message of concluding the business, send to RFID smart card transaction attribution control gateway 100; If inspection is passed through; Then in database, retrieve validity field contents, service position field contents, consumption button rate field contents, ownership management address field contents, the consumption concessionary rate field contents of said POS according to the POS identification code; And generate the response message of said online transaction instruction message, send to RFID smart card transaction attribution control gateway 100;

After E.RFID smart card transaction attribution control gateway 100 receives said response message,, then send after the response message do not allow to conclude the business gives contactless payment POS 120 execution in step J for the response message that does not allow to conclude the business; For the response message of permission transaction, then send the RFID smart card transaction authentication instruction message that comprises POS service position field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content and give said RFID smart card master identification code affiliated mobile phone RFID smart card management server 140I;

F. after mobile phone RFID smart card management server 140I receives said RFID smart card transaction authentication instruction message; RFID smart card in the database is carried out the transaction approval authentication at the POS of said service position; And generate the response message of said RFID smart card transaction authentication instruction message with said permission authentication result, return to RFID smart card transaction attribution control gateway 100;

After G.RFID smart card transaction attribution control gateway 100 receives said response message, judge whether current transaction allows,, then send after the response message do not allow to conclude the business gives contactless payment POS 120 execution in step J if do not allow; If allow, then send said online transaction and instruct to the RFID smart card trading account management server 130L under the said RFID smart card master identification code;

H.RFID smart card trading account management server 130L receives said online transaction instruction, the database manipulation that carries out online transaction, and generate response message according to operating result and return to RFID smart card transaction attribution control gateway 100;

I.RFID smart card transaction attribution control gateway 100 receives said response message, generates the response message of said online transaction instruction, sends to contactless payment POS 120;

J. contactless payment POS 120 receives response message, for the response message of Transaction Success, accomplishes subsequent P OS process of exchange, for the response message that does not allow to conclude the business, and after then operating according to the indication in the response message, execution in step K;

K. online transaction finishes.

A kind of user's control method that can carry out home control to the non-contact transaction of mobile phone may further comprise the steps:

(A) .RFID smart card carrying terminal 110 users select project and the execution to the RFID smart card operation in the RFID at said terminal smart card control and hypervisor or menu;

(B) the .RFID smart card carries terminal 110 and is encoded to RFID smart card operating instruction message to the corresponding operation of said project according to predetermined communication protocol, sends to RFID smart card transaction attribution control gateway 100;

(C) after .RFID smart card transaction attribution control gateway 100 receives said operational order message, be transmitted to the affiliated mobile phone RFID smart card management server 140I of said RFID smart card master identification code;

(D). mobile phone RFID smart card management server 140I receives said operational order; Terminal and said operational order message to initiating said operation are carried out safety and integrity checking; If inspection is not passed through, then return the response message of terminal authentication failure and give RFID smart card transaction attribution control gateway 100; If inspection is passed through, then in database, said RFID smart card is carried out said operation, and return to RFID smart card transaction attribution control gateway 100 according to operating result generation response message;

(E) .RFID smart card transaction attribution control gateway 100 receives said response message, is transmitted to the RFID smart card and carries terminal 110;

(F) the .RFID smart card carries terminal 110 and receives response message, and shows operating result.

For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.

Consult Fig. 2, Fig. 2 is the system construction drawing that the non-contact transaction of mobile phone is carried out home control embodiment one, wherein,

RFID smart card mobile phone 1101 is that a kind of RFID smart card carries the terminal; The ownership management server of the RFID smart card of RFID smart card mobile phone 1101 is mobile phone RFID smart card management servers 1401, and the trading account management server of said RFID smart card is a RFID smart card trading account management server 1301;

RFID smart card mobile phone 1102 is that a kind of RFID smart card carries the terminal; The ownership management server of the RFID smart card of RFID smart card mobile phone 1102 is mobile phone RFID smart card management servers 1402, and the trading account management server of said RFID smart card is a RFID smart card trading account management server 1302;

Contactless payment POS 1201 is a kind of contactless payment POS, and its ownership management server is a noncontact POS management server 1501;

Contactless payment POS 1202 is a kind of contactless payment POS, and its ownership management server is a noncontact POS management server 1502;

Mobile communications network 150 is 3G (Third Generation) Moblie networks; By RNS (RNS), MSC Server, SGSN; GGSN; Formations such as attaching position register HLR, the SMSC of short message service center, short messaging gateway SMG, WAP gateway, RFID smart card mobile phone 1101 and RFID smart card mobile phone 1102 all are connected to the RNS (RNS) of core net through the Iu interface;

RFID smart card mobile phone 1101 is communicated by letter with RFID smart card transaction attribution control gateway 100 through short message;

RFID smart card mobile phone 1102 is communicated by letter with RFID smart card transaction attribution control gateway 100 through data network.

With RFID smart card mobile phone 1101 is example, the non-contact transaction of mobile phone is carried out the roaming position of home control and gathers realization flow, may further comprise the steps:

(a) change of the roaming position of RFID smart card mobile phone 1101 has triggered the authentication operations of mobile communications network 150; RFID smart card mobile phone 1101 completion authentication operations are gone forward side by side and are logined after the mobile communications network 150, trigger as roaming position with current GPS geographical position or sector position and upload the roaming position operation;

(b) RFID smart card mobile phone 1101 generate comprise roaming position, RFID smart card master identification code content information upload the roaming position instruction message, send to RFID smart card transaction attribution control gateway 100 to the said roaming position instruction message of uploading through short messaging gateway;

(c) RFID smart card transaction attribution control gateway 100 receive said upload the roaming position instruction message after, be transmitted to mobile phone RFID smart card management server 1401;

(d) mobile phone RFID smart card management server 1401 receive said upload the roaming position instruction message after, behind the roaming position of the said RFID smart card of registration, echo reply message is given RFID smart card transaction attribution control gateway 100 in database;

(e) after RFID smart card transaction attribution control gateway 100 receives response message, join near the preferential action message of trade company the said roaming position after the said response message, send to RFID smart card mobile phone 1101 through short message;

(f) after RFID smart card mobile phone 1101 receives response message,, and finish to upload the roaming position operation with trade company's preferential bulletin mode displaying merchandise message related to resources.

With contactless payment POS 1201 is example, and the non-contact transaction of mobile phone is carried out the off-line trading control realization flow of home control, may further comprise the steps:

A.RFID smart card mobile phone 1102 carries out the off-line trading operation on contactless payment POS 1201;

B. contactless payment POS 1201 generates the off-line trading authentication instruction message that comprises POS identification code field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content, dealing money field contents, sends to RFID smart card transaction attribution control gateway 100 to said off-line trading authentication instruction message according to predetermined communication protocol;

C.RFID smart card transaction attribution control gateway 100 is transmitted to noncontact POS management server 1501 after receiving said off-line trading authentication instruction message;

D. after noncontact POS management server 1501 receives said off-line trading authentication instruction message; Contactless payment POS 1201 is carried out safety and integrity checking with said off-line trading authentication instruction message; If inspection is not passed through; Then generate comprise POS invalid field content do not allow the response message of concluding the business, send to RFID smart card transaction attribution control gateway 100; If inspection is passed through; Then in database, retrieve validity field contents, service position field contents, consumption button rate field contents, ownership management address field contents, the consumption concessionary rate field contents of said POS according to the POS identification code; And generate the response message of said off-line trading authentication instruction message, send to RFID smart card transaction attribution control gateway 100;

After e.RFID smart card transaction attribution control gateway 100 receives said response message,, then send after the response message do not allow to conclude the business gives contactless payment POS 1201 execution in step for the response message that does not allow to conclude the business

H; For the response message that allows transaction, then send the RFID smart card transaction authentication instruction message that comprises POS service position field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content and give mobile phone RFID smart card management server 1402;

F. after mobile phone RFID smart card management server 1402 receives said RFID smart card transaction authentication instruction message; RFID smart card in the database is carried out the transaction approval authentication at the POS of said service position; And generate the response message of said RFID smart card transaction authentication instruction message with said permission authentication result, return to RFID smart card transaction attribution control gateway 100;

After g.RFID smart card transaction attribution control gateway 100 receives said response message, generate the response message of said off-line trading authentication instruction message, and send to contactless payment POS 1201;

H. contactless payment POS 1201 receives the response message of off-line trading authentication instruction message; For the response message that allows transaction, accomplish subsequent P OS off-line trading process, for the response message that does not allow to conclude the business; After then operating according to the indication in the response message, execution in step i;

I. off-line trading finishes.

With contactless payment POS 1202 is example, and the non-contact transaction of mobile phone is carried out the online transaction control realization flow of home control, may further comprise the steps:

A.RFID smart card mobile phone 1102 carries out the online transaction operation on contactless payment POS 1202;

B. contactless payment POS 1202 generates the online transaction instruction message that comprises POS identification code field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content, dealing money field contents, sends to RFID smart card transaction attribution control gateway 100 to said online transaction instruction message according to predetermined communication protocol;

C.RFID smart card transaction attribution control gateway connect 100 receive said online transaction instruction message after, be transmitted to noncontact POS management server 1502;

D. after noncontact POS management server 1502 receives said online transaction instruction message; POS and said online transaction instruction message to initiating said online transaction carry out safety and integrity checking; If inspection is not passed through; Then generate comprise POS invalid field content do not allow the response message of concluding the business, send to RFID smart card transaction attribution control gateway 100; If inspection is passed through; Then in database, retrieve validity field contents, service position field contents, consumption button rate field contents, ownership management address field contents, the consumption concessionary rate field contents of said POS according to the POS identification code; And generate the response message of said online transaction instruction message, send to RFID smart card transaction attribution control gateway 100;

After E.RFID smart card transaction attribution control gateway 100 receives said response message,, then send after the response message do not allow to conclude the business gives contactless payment POS 1202 execution in step J for the response message that does not allow to conclude the business; For the response message that allows transaction, then send the RFID smart card transaction authentication instruction message that comprises POS service position field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content and give mobile phone RFID smart card management server 1402;

After G.RFID smart card transaction attribution control gateway 100 receives said response message, judge whether current transaction allows,, then send after the response message do not allow to conclude the business gives contactless payment POS 1202 execution in step J if do not allow; If allow, then send said online transaction and instruct to RFID smart card trading account management server 1302;

H.RFID smart card trading account management server 1302 receives said online transaction instruction, the database manipulation that carries out online transaction, and generate response message according to operating result and return to RFID smart card transaction attribution control gateway 100;

I.RFID smart card transaction attribution control gateway 100 receives said response message, generates the response message of said online transaction instruction, sends to contactless payment POS 1202;

J. contactless payment POS 1202 receives response message, for the response message of Transaction Success, accomplishes subsequent P OS process of exchange, for the response message that does not allow to conclude the business, and after then operating according to the indication in the response message, execution in step K;

K. online transaction finishes.

With RFID smart card mobile phone 1102 is example, and the user who the non-contact transaction of mobile phone is carried out home control controls realization flow, may further comprise the steps:

(A) .RFID smart card mobile phone 1102 users select project and the execution to the RFID smart card operation in the RFID at said terminal smart card control and hypervisor or menu;

(B) .RFID smart card mobile phone 1102 is encoded to RFID smart card operating instruction message to the corresponding operation of said project according to predetermined communication protocol, sends to RFID smart card transaction attribution control gateway 100;

(C) after .RFID smart card transaction attribution control gateway 100 receives said operational order message, be transmitted to mobile phone RFID smart card management server 1402;

(D). mobile phone RFID smart card management server 1402 receives said operational order; Terminal and said operational order message to initiating said operation are carried out safety and integrity checking; If inspection is not passed through, then return the response message of terminal authentication failure and give RFID smart card transaction attribution control gateway 100; If inspection is passed through, then in database, said RFID smart card is carried out said operation, and return to RFID smart card transaction attribution control gateway 100 according to operating result generation response message;

(E) .RFID smart card transaction attribution control gateway 100 receives said response message, is transmitted to RFID smart card mobile phone 1102;

(F) .RFID smart card mobile phone 1102 receives response message, and shows operating result.

It is to be noted; Though the present invention describes the function of RFID smart card transaction attribution control gateway 100, noncontact POS management server 150, mobile phone RFID smart card management server 140, RFID smart card trading account management server 130 independently, their function can be integrated into an equipment or be distributed in a plurality of equipment and realize.

Above-described instance only is a preferred implementation of the present invention; Should be pointed out that for those skilled in the art, under the prerequisite that does not break away from the principle of the invention; Can also make some improvement and retouching, these improvement and retouching also should be regarded as protection scope of the present invention.

Claims

1. the system that can carry out home control to the non-contact transaction of mobile phone is characterized in that, comprising:

Noncontact POS management server; Computer system by being furnished with database constitutes; Be used for setting up and the management POS of trade company number of the account charting, whether effectively said POS number of the account form comprises POS identification code field, consumption button rate field, open a bank account name field, consumption concessionary rate field of field, business type field, traffic limits field, trade company's identification code field, service position field, ownership management address field, trade company's Bank Account Number field, trade company; Be used to set up and manage the master key and transaction operation key of POS; Receive management and query manipulation instruction message according to predetermined communication protocol to POS from authorization device or authoring system, and after according to said operational order POS being operated, return result's response message;

RFID smart card trading account management server; Computer system by being furnished with database constitutes; Be used to set up the transaction primary account number charting with the RFID smart card, said primary account number form comprises main identification code field, trading password field, remaining sum field, business type field; Be used to set up the transaction subregion number of the account charting with the RFID smart card, said transaction subregion number of the account form comprises sub-identification code field, remaining sum field, business type field, related main identification code field; Receive transaction operational order message according to predetermined communication protocol to mobile phone RFID smart card primary account number or the sub-number of the account of subregion from authorization device or authoring system; And after according to said operational order the RFID smart card account in the said operation being operated, return result's response message; Said transaction operation comprises the deposit operation, supplements operation with money, the operation of transferring accounts, consume operations, the operation of withdrawing deposit, towards the operation of just operating and/or querying the balance;

RFID smart card transaction attribution control gateway is made up of the computer system of being furnished with database, is used for communicating according to predetermined communication protocol and POS or RFID intelligent card subscriber; After receiving transaction operational order message to mobile phone RFID smart card primary account number or the sub-number of the account of subregion from POS; Mutual with the POS management server; After obtaining the attribute of said POS, mutual with mobile phone RFID smart card management server, but obtain the trading privilege of RFID smart card on the said POS information perhaps in the said trading instruction; For being rejected the RFID smart card of on said POS, concluding the business; Return the response message of refusal transaction and give said POS, for the RFID smart card that can on said POS, conclude the business, if said transaction operation is an off-line trading; Then return the response message that allows transaction and give said POS; And generate with RFID smart card transaction number of the account to be the off-line trading record of index,, then to send said transaction operational order message to RFID smart card trading account management server if said transaction operation is online transaction; After the response message of returning RFID smart card trading account management server was transmitted to said POS, generating with RFID smart card transaction number of the account was the transaction record of index; After receiving the operational order message of terminal, RFID smart card place being uploaded by the management of RFID smart card or control or roaming position; Send said operational order message and give mobile phone RFID smart card management server, and the response message of returning mobile phone RFID smart card management server is transmitted to said terminal; Receive management and query manipulation instruction message according to predetermined communication protocol, send said operational order message and give the POS management server, and the response message of returning the POS management server is transmitted to the requesting party POS from authorization device or authoring system; Receive operational order message, after checking with the transaction record of said POS trade company in said operation fixed time section, return the response message that comprises checked result from the online reconciliation of POS or off-line clearance;

2. the system that can carry out home control to the non-contact transaction of mobile phone according to claim 1 is characterized in that, the condition of said setting is meant that mobile telephone terminal is when a base station sub-system roams into another base station sub-system.

3. the system that can carry out home control to the non-contact transaction of mobile phone according to claim 1 is characterized in that, the condition of said setting is meant when the mobile telephone terminal authentication gets into roaming place mobile communication subsystem.

4. the roaming position acquisition method that can carry out home control to the non-contact transaction of mobile phone is characterized in that, may further comprise the steps:

(c) RFID smart card transaction attribution control gateway receive said upload the roaming position instruction message after, be transmitted to the mobile phone RFID smart card management server under the said RFID smart card master identification code;

(d) mobile phone RFID smart card management server receive said upload the roaming position instruction message after, behind the roaming position of the said RFID smart card of registration, echo reply message is given said RFID smart card transaction attribution control gateway in database;

(e) after RFID smart card transaction attribution control gateway receives said response message, be transmitted to said RFID smart card and carry the terminal;

(f) after RFID smart card carrying terminal receives said response message, finish to upload the roaming position operation.

5. the roaming position acquisition method that can carry out home control according to claim 4 to the non-contact transaction of mobile phone; It is characterized in that; In the said step (f); Further comprise if comprise the information content that is shown to the user in the response message; Then RFID smart card carrying terminal displays the said information content, and the mode of said displaying comprises that voice suggestion, word content show, video content is play, and the said information content comprises merchant information, commodity favor information and/or the notice information in the current location scope.

6. the off-line trading control method that can carry out home control to the non-contact transaction of mobile phone is characterized in that, may further comprise the steps;

B. contactless payment POS generates the off-line trading authentication instruction message that comprises POS identification code field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content, dealing money field contents, sends to RFID smart card transaction attribution control gateway to said off-line trading authentication instruction message according to predetermined communication protocol;

After c.RFID smart card transaction attribution control gateway receives said off-line trading authentication instruction message, be transmitted to the affiliated noncontact POS management server of said contactless payment POS;

D. after noncontact POS management server receives said off-line trading authentication instruction message; POS and said off-line trading authentication instruction message to initiating said off-line trading carry out safety and integrity checking; If inspection is not passed through; Then generate comprise POS invalid field content do not allow the response message of concluding the business, send to said RFID smart card transaction attribution control gateway; If inspection is passed through; Then in database, retrieve validity field contents, service position field contents, consumption button rate field contents, ownership management address field contents, the consumption concessionary rate field contents of said POS according to the POS identification code; And generate the response message of said off-line trading authentication instruction message, send to said RFID smart card transaction attribution control gateway;

After e.RFID smart card transaction attribution control gateway receives said response message,, then send after the response message do not allow to conclude the business gives said contactless payment POS execution in step h for the response message that does not allow to conclude the business; For the response message of permission transaction, then send the RFID smart card transaction authentication instruction message that comprises POS service position field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content and give said RFID smart card master identification code affiliated mobile phone RFID smart card management server;

F. after mobile phone RFID smart card management server receives said RFID smart card transaction authentication instruction message; RFID smart card in the database is carried out the transaction approval authentication at the POS of said service position; And generate the response message of said RFID smart card transaction authentication instruction message with said permission authentication result, return to said RFID smart card transaction attribution control gateway;

After g.RFID smart card transaction attribution control gateway receives said response message, generate the response message of said off-line trading authentication instruction message, and send to said contactless payment POS;

I. off-line trading finishes.

7. the off-line trading control method that can carry out home control to the non-contact transaction of mobile phone according to claim 6; It is characterized in that; Said step h comprises that further the indication in the response message that does not allow to conclude the business is meant that the current RFID smart card of locking carries the RFID smart card at terminal; Or close the trading function that current RFID smart card carries the RFID smart card at terminal; Or on current RFID smart card carrying terminal, show that said POS does not provide transactional services to current RFID smart card.

8. the online transaction control method that can carry out home control to the non-contact transaction of mobile phone is characterized in that, may further comprise the steps:

B. contactless payment POS generates the online transaction instruction message that comprises POS identification code field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content, dealing money field contents, sends to RFID smart card transaction attribution control gateway to said online transaction instruction message according to predetermined communication protocol;

After C.RFID smart card transaction attribution control gateway receives said online transaction instruction message, be transmitted to the affiliated noncontact POS management server of said contactless payment POS;

D. after noncontact POS management server receives said online transaction instruction message; POS and said online transaction instruction message to initiating said online transaction carry out safety and integrity checking; If inspection is not passed through; Then generate comprise POS invalid field content do not allow the response message of concluding the business, send to said RFID smart card transaction attribution control gateway; If inspection is passed through; Then in database, retrieve validity field contents, service position field contents, consumption button rate field contents, ownership management address field contents, the consumption concessionary rate field contents of said POS according to the POS identification code; And generate the response message of said online transaction instruction message, send to said RFID smart card transaction attribution control gateway;

After E.RFID smart card transaction attribution control gateway receives said response message,, then send after the response message do not allow to conclude the business gives said contactless payment POS execution in step J for the response message that does not allow to conclude the business; For the response message of permission transaction, then send the RFID smart card transaction authentication instruction message that comprises POS service position field contents, RFID smart card master identification code field contents, RFID smart card transaction account number field content and give said RFID smart card master identification code affiliated mobile phone RFID smart card management server;

After G.RFID smart card transaction attribution control gateway receives said response message, judge whether current transaction allows,, then send after the response message do not allow to conclude the business gives said contactless payment POS execution in step J if do not allow; If allow, then send said online transaction and instruct to the RFID smart card trading account management server under the said RFID smart card master identification code;

H.RFID smart card trading account management server receives said online transaction instruction, the database manipulation that carries out online transaction, and generate response message according to operating result and return to said RFID smart card transaction attribution control gateway;

I.RFID smart card transaction attribution control gateway receives said response message, generates the response message of said online transaction instruction, sends to said contactless payment POS;

J. contactless payment POS receives response message, for the response message of Transaction Success, accomplishes subsequent P OS process of exchange, for the response message that does not allow to conclude the business, and after then operating according to the indication in the response message, execution in step K;

K. online transaction finishes.

9. the user's control method that can carry out home control to the non-contact transaction of mobile phone is characterized in that, may further comprise the steps:

(C) after .RFID smart card transaction attribution control gateway receives said operational order message, be transmitted to the affiliated mobile phone RFID smart card management server of said RFID smart card master identification code;

(D). mobile phone RFID smart card management server receives said operational order; Terminal and said operational order message to initiating said operation are carried out safety and integrity checking; If inspection is not passed through, then return the response message of terminal authentication failure and give said RFID smart card transaction attribution control gateway; If inspection is passed through, then in database, said RFID smart card is carried out said operation, and return to said RFID smart card transaction attribution control gateway according to operating result generation response message;

(E) .RFID smart card transaction attribution control gateway receives said response message, is transmitted to said RFID smart card and carries the terminal;

(F) the .RFID smart card carries the terminal and receives response message, and shows operating result;

10. the user's control method that can carry out home control to the non-contact transaction of mobile phone according to claim 9; It is characterized in that; Said project is meant the trading function that deactivates the RFID smart card; Or activate the trading function of RFID smart card, or close the trading function of RFID smart card, or open the trading function of RFID smart card; Wherein, the RFID smart card that trading function is closed or quilt is deactivated can not carry out off-line trading or online transaction.