CN101930572A - Non-contact smart payment card and method thereof for supporting different bank payment services - Google Patents
Non-contact smart payment card and method thereof for supporting different bank payment services Download PDFInfo
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Abstract
The invention provides a non-contact smart payment card and a method thereof for supporting different bank payment services. The method comprises the steps of leading a third party to issue the non-contact smart payment card and a Purchase Secure Access Module (PSAM) card; leading a user to realize the corresponding bank payment service by binding the payment card with any one bank magnetic stripe card on a binding terminal at an attended business hall of a bank, thereby realizing that the consumption of the payment card is the consumption of the bound bank card; leading the payment card to be capable of implementing online transactions on a payment terminal after being bound; leading the payment card to be capable of implementing online and offline transactions after loading (recharging for the payment card); using the PSAM card to control the safety during the offline transactions, reporting transaction records to a third party processor, and then carrying out verification by the third party processor; and leading the third party to notify the corresponding bank of implementing fund transfer after the transaction records are verified to be successful. The non-contact smart payment card and the method can solve the problem of bank intercommunication during near-distance payment, solve the safety problem when using the bank cards to carry out recharging, fee paying, purchasing and other services on the terminal, and further expand the using range of payment of the bank cards.
Description
Affiliated technical field
The present invention relates to a kind of payment of bank card method, relate in particular to a kind of non-contact smart payment card of distribution, Payment Card and bank's magnetic stripe card binding are finished closely and the remote method of paying.
Explanation of nouns
Non-contact card: the card that comprises integrated circuit, radio-frequency antenna; Card obtains power supply energy with work from the radiofrequency signal of card reading module antenna emission, receive the modulation signal of card reading module via antenna transmission, and emission rf modulated signal and card reading module communication; Also can be called radio-frequency card.
Smart card: comprise the card of processing unit, storage unit, security control unit etc., the protection of security algorithm and user cipher etc. can be provided; Smart card divides contact to block and two kinds of non-contact cards, and the contact card passes through the communication of hardware contact with card reading module, and non-contact card and card reading module are by the radiofrequency signal communication.
Contactless smart card: by the smart card of radiofrequency signal and card reading module communication.13.56MHz the radio-frequency card of frequency range mainly contains TypeA card and TyepB card, the former typical case is applied as E-Payment, and the latter's typical case is applied as second generation I.D..
Closely and at a distance pay: according to place of payment distance, payment technology can be divided into closely payment and remote the payment; The former mainly is by realizations such as mobile phones, and is leading by telecom operators, and the latter realizes by bank card, and is leading by bank; Remote payment and network payment are similar, all need through telecommunication network.
The third party: mentioned third party is the operator of native system in this method, be responsible for distribution card, protection native system safe, coordinate work such as polytropic relation, operation native system.
Background technology
On 05 22nd, 2010 China Business News's reports
In move and to fight in the van, UNICOM, telecommunications are trailed; Then attempt mobile payment industry leader's position of China Unionpay; Bank's dilatation scale of consumer of then taking advantage of a situation; The third party pays then more absorbed remote payment
Feudal lords vying for the throne who control the situation?
The big cake of this piece of mobile payment is just attracting increasing participant.Mobile payment also claims mobile-phone payment, promptly allows mobile client to carry out the account payment with its portable terminal (normally mobile phone).
The most crucial problem of mobile payment is the commercial operation pattern, at present domesticly mainly contain four kinds: " Mobile banking " pattern that bank promotes mainly, " mobile phone wallet " pattern that mobile operator promotes mainly, third party's payment platform pattern, and the cell phone intelligent fiscard of financial institution and mobile operator cooperation implantation pattern.
Easily see international data presentation, China Mobile's payment number of users reached 7,280 ten thousand families in 2009, and income scale is 19.9 hundred million yuan.This mechanism expect 2010 the end of the year market scale will break through 3,000,000,000 yuan, then be expected to break through 10,000,000,000 yuan in 2012.
Operator: in move and to fight in the van, UNICOM, telecommunications are trailed
" mobile phone wallet " pattern that operator promotes mainly allows the mobile phone charge consumption of user to prestore.What wherein, eat crab at first is China Mobile's (call in the following text " in move ").
As far back as 2006, in move and just to have set up mobile e-business pilot base in the Hunan, 2007, the scope of pilot extended to Chongqing and Guangzhou again from the Hunan.In March, 2009, in mobile the whole network mobile-phone payment platform reach the standard grade, at present in the Hunan, more than 10 provinces and cities such as Beijing, Shanghai, Guangdong realize that examination is commercial.
On the mobile-phone payment Technology Selection, in move to adopt " full card strategy ", utilization RF-SIM card technique, the user only need change a SIM card just can be at " the POS machine " of appointment last bankcard consumption.
Take this pattern, because " in move do not think only to do network channel ".
But in move getting through on retail shop's terminal and still make slow progress.Have only part retail shops such as subway, McDonald, Startbuck that the RF-POS machine has been installed at present, support cell phone to swipe the card.
Another difficult problem is owing to there is not financial qualification, in move and do not have the wholesale obligation authority, present mobile-phone payment can only be used for the small amount payment below 1000 yuan.
March 10 this year, in move to announce with 39,800,000,000 yuan of Pudong Development Banks of becoming a shareholder (600000.SH).The insider analyzes, in move this a large number of purchase, on the one hand in order to evade its financial qualification problem, when the mobile-phone payment business was professional by small amount traffic diversion wholesale, bank's effect therein can't neglect on the other hand.
With in move march on a large scale and compare, CHINAUNICOM's (calling " UNICOM " in the following text), China Telecom have taked the attitude of looking around and follow up more.
UNICOM reaches strategic cooperation with industrial and commercial bank, Bank of Communications, Bank of China, Chinese safety and Guangdong Development Bank at present, and plan is carried out cooperation with each affiliate in the mobile payment field comprehensively.
It is mostly that China Telecom has is landline telephone customers, but does not also want naturally to fall for mobile-phone payment is professional.
Shanghai telecommunications reveals that will expand this professional contractor to the whole city each commercial circle the second half year in this year from the Nanjing Road, expect 2010 the end of the year contractor will be between 3000～4000 families.
But with in move equally, China Telecom need bear the UIM blocking and make cost and POS machine replacement cost, and the mobile phone customers that China Telecom had well below in mobile and UNICOM.
China Unionpay: scheme mobile payment industry leader's position
When each big telecom operators enters the mobile-phone payment field with great strength and vigour, in the time of intention contention " market of swiping the card ", China Unionpay is unwilling this piece cake is surrendered submissively naturally.
China Unionpay announced that its mobile-phone payment business of new generation had entered extensive pilot phase at present March 16, and the pilot zone has extended to areas such as Shanghai, Shandong, Zhejiang, Hunan, Sichuan, Guangdong.
It is reported that Unionpay cellphones payment transaction of new generation is to be the payment account carrier with the financial smart card in the mobile phone, the user need be at corresponding bank or mobile operator application customization financial smart card, just can specify retail shop's consumption after inserting mobile phone.
Compare with operator, the advantage of China Unionpay is that it is domestic unique nationwide bank card united organization, grasps the hugest domestic bank card and accepts network.And there is not the problem of financial qualification in Unionpay, uses the hand call payment system of Unionpay not have the restriction of wholesale payment and small amount payment.
But also there is self weakness in Unionpay, and Unionpay itself can not issue the bank card that has payment function, must also must cooperate with the operator on the mechanics of communication by commercial bank's hair fastener.And the prior art of Unionpay involves and will carry out upgrading to 2,610,000 the storage POS terminals in the whole nation, and this expense is very high, and commercial bank and operator can't independently not finish hand in hand in Unionpay.
Gold dollar securities analyst Qiu Hong days is to China Business News's " FQ " expression, in move the RF-SIM card technique of taking, its signal frequency is 2.4GHz, and the mobile-phone payment technology signal frequency that UNICOM, China Telecom, China Unionpay adopt is 13.56MHz.The latter is the international frequency that contactless payment is used, and is accepted by most application organizes and relevant manufacturer, has application foundation widely.Though " signal frequency that UNICOM, China Telecom and China Unionpay adopt is identical, because the technology difference of taking, the three is also inequality to the requirement of POS machine." but he emphasizes that " technology is not a problem, and key is who can dominate the market.”
Easily see international analyst king and stay to give birth to and represent when being interviewed by this newspaper, aspect payment closely, mobile operator has clear superiority, and at first the mobile operator cellphone subscriber that can go directly can rely on its site simultaneously and promote and propagate.And the implementation capacity of Unionpay and marketing ability comparatively speaking a little less than.
Commercial bank: promote userbase by resource in many ways
From 2004, domestic how tame big-and-middle-sized bank was all in the Mobile banking that promotes oneself.
After the user opened Mobile banking, promptly available mobile phone was logined bank's webpage and is enjoyed financial service.In this mode, operator only is equivalent to channel function.
But after operator adds " mobile payment " market, the mobile payment market competition will be aggravated, and the epoch that allow the external world have bank to play protagonist will become the leading sensation of operator.But in fact, the consequence of competition often is not who just can unify rivers and lakes with a kind of pattern.
Many tame banks represent that to this newspaper operator's development " mobile payment " can't make bank abandon promoting the Mobile banking of self.On the contrary, art is already specialized in, and there is obviously difference in " mobile payment " that bank and operator develop separately." bank is more absorbed does remote payment such as transfer accounts, and more absorbed near-end payment and the small amount remote payment done of operator.”
Popular, the near-end payment just is meant with mobile phone " drips " this form of swiping the card on the POS machine.And operator can not do wholesale payment, then is that telephone expenses or operator are by the direct deduction mobile payment expense from user's telephone expenses of SIM card and STK card because the user prestores, and its expense volume is subject to user's " telephone expenses total value ".
" most of user can never prestore thousands of assets in the mobile phone telephone expenses, need mark 1,000,000 yuan of funds such as doing a deal, still gets used to doing in bank." certain personage of portion of e-bank of big bank sighs with deep feeling.
" each role will have the position of oneself in the mobile-phone payment industrial chain; the position of bank, operator is now also uncertain; more there is leading position in near-end payment operator, and the far-end draw bank more has right of speech, but concrete later stage development key sees which kind of modality for co-operation both sides adopt.Cooperation transboundary need be considered win-win." the professional senior responsible official of certain joint-equity bank mobile-phone payment represents this newspaper.
" and this market of mobile payment is not can realize, just as 3G, has propagated a lot of years at once, but also be the implementation procedure of very slow heat.This market of mobile payment is also in the nurturing period, and is all the same concerning each side's strength." the aforementioned personage of big bank represents.
Data can verify that bank released Mobile banking from 2004, nearly up till now 6 years, but it is reported that the user of banking industry Mobile banking approximately rises to 2,000 ten thousand people at present, only account for whole nation cellphone subscriber's more than 700,000,000 2.8%.
So bank participates in mobile payment service, fundamental purpose is by resource in many ways, promotes the userbase expansion.
Third party's payment: more absorbed remote payment
In mobile payment market, except operator, bank and Unionpay, also have the third party to pay this burst strength.
Along with popularizing of 3G, traditional internet, applications just promptly shifts to mobile phone, and " third party's mobile-phone payment " is the typical case who the online payment platform is moved to mobile phone.
According to the easy report of seeing the world, do not calculate Unionpay and pay by mails, Chinese third party in 2009 pays the marketing scale and reaches 5808.4 hundred million yuan, and wherein internet payment reaches 5,257 hundred million yuan, and third party's mobile-phone payment reaches 26,600,000,000 yuan, and third party's phone-payment reaches 1,600,000,000 yuan.
Such as, Alipay has been released cell-phone customer terminal at present, can realize inquiry, payment services such as pay dues and transfer accounts.Wealth is paid functions such as logical mobile-phone payment is also supported account inquiries, topped up, film ticket purchase, and the user can login wealth by mobile phone and pay the logical WAP page and operate.
Easily seeing international senior analyst Cao Fei represents this newspaper, also far away now between third party's payment, bank and the operator less than the stage of fighting for the market share, because operator mainly develops the near-end payment, own client's stickiness mainly improves in bank by Mobile banking, the advantage that the third party pays company is remote payment.
Cao Fei introduces, and in the present online payment, the profit that the third party pays company mainly relies on rate poor, and the profit model of development mobile-phone payment can not have too big difference therewith yet.
Goal of the invention
By the present as can be known trouble waters of top report.If continue to develop by this direction, do not solve the intercommunication problem of closely paying in bank, so in the near future, will a plurality of closely setting up a separatist regime by force of arms of payment appear.Market of possibility need provide the payment terminal of how tame telecommunications operator and bank; May use the mobile-phone payment of China Mobile in this market, the mobile-phone payment of CHINAUNICOM is used in that market; Use the mobile phone of China Telecom to pay the electricity charge possibly, pay water rate, pay gas charge with the mobile phone of China Mobile with the mobile phone of CHINAUNICOM.Caused the waste of social resources, increased telecom operators and each payment transaction merchant's transition, the user also can't follow, and its drawback is conspicuous.
The purpose of this method is exactly for slowing down the situation of above confusion, as far as possible with closely modes of payments simplification.For improving the bank card security of payment, enlarge the scope of bank card payment simultaneously.
Summary of the invention
This method is based on the invention of " binding common card with bank card is realized transaction method on terminal device " of the applicant's application.This patent No. is 200910193664.3, enters the examination as to substances stage on July 7th, 2010.This patent proposes to use common radio-frequency card (as mass transit card, gate inhibition's card etc.) binding bank card to realize the mode of payment on terminal.
The implementation process of this patent is: selected generic card and bank card are bound, and the content of binding comprises the card number of generic card and bank card, and system management platform carries out record to the binding relationship between generic card and the bank card; The generic card of brush and bank card binding on terminal device, import the corresponding amount of money, the password of input bank card, become ciphertext behind the PSAM card encryption of password via issued by banks, deliver on the system management platform on the ciphertext password of terminal device with the card number of brush generic card and bank card, transmission was given to bank after system management platform replaced with corresponding bank's card number with the binding card number in the information packet, after bank carries out payment transaction, result with payment transaction feeds back to system management platform again, system management platform is done the payment transaction operation with the operator that service is provided again, system management platform sends to payment terminal with the information of transaction results again, and payment terminal directly is shown to the user; Generic card can be (second generation) I.D. or card or magnetic stripe card or the card for realizing that present technique is issued by bus.
The present invention does a lifting on the basis of above-mentioned patent: by the third party issue non-contact smart payment card, this Payment Card and different bank card bind realize unified, the Payment Card of the interface of unified bank paying, unified key and the interface of units such as payment terminal, unification and water supply office of power office have solved the problem of bank's intercommunication when closely paying; Also solved bank card on terminal, do supplement with money, pay the fees, service security problem such as purchase.
Technical scheme of the present invention comprises following feature:
1, characteristic principle: issue non-contact smart payment card and PSAM card by the third party, realize the payment transaction of corresponding bank with the binding of different bank magnetic stripe card by Payment Card; Setting up the electronic bankbook and the stored value card account number of counterpart expenditure card during binding at bank main, is exactly consumption to the binding bank card to the consumption of Payment Card; Can on payment terminal, carry out on-line transaction after the Payment Card binding; After depositing (Payment Card is supplemented with money), the payment collar can carry out online and offline transaction; Can continue after the Transaction Success to carry out follow-up business such as paying the fees, buy, supplement with money or finish the on-site payment business; Safety during the Payment Card offline transaction is by the PSAM card control.
2, feature hair fastener: the third party issues Payment Card and PSAM card; Payment Card is a contactless smart card, satisfies the demand for security of financial payment, comprises antenna, processor, memory module, security module etc. on the card, and the encapsulation of various ways can be arranged, and is Payment Card hereinafter to be referred as such card; The security feature of Payment Card is controlled by the card issuer; On Payment Card, write information such as Payment Card sequence number, electronic bankbook, stored value card, set of cipher key during hair fastener, on the PSAM card, write information such as PSAM card sequence number, set of cipher key; The security of Payment Card offline transaction is by the PSAM card control of card issuer's distribution; The hair fastener key is disperseed by encryption equipment after being responsible for input more than two, realizes a card one key function; The Payment Card of distribution need to be selected the bank card binding of binding by the user.
3, character network structure: bank's processor links to each other by bank's internal network with bank main; Bank's processor links to each other by bank's internal network with the binding terminal; Bank's processor links to each other by dedicated network with third party's processor; Link to each other by third-party processor between the processor of different bank; Third party's processor links to each other by wireless network or dedicated network with payment terminal; Third party's processor links to each other by dedicated network with the processor of other unit such as power office, water supply office etc.
4, feature binding: the user uses bank's magnetic stripe card of expectation and Payment Card to bind on the binding terminal; Bank main is that the Payment Card of every binding is set up corresponding electronic bankbook account number and stored value card account number; Bank's processor writes down this binding relationship, and information such as part bank card number, payment card number are sent to third party's processor; A Payment Card can be bound many bank's magnetic stripe cards, and bank's magnetic stripe card can be bound many Payment Cards.
During binding, the user is brush bank magnetic stripe card, brush Payment Card, input customer contact phone number, month Spending Limit etc. on the binding terminal; The binding terminal sends to bank's processor with these information; Bank's processor writes down these information; And information such as bank card credit card issuer code, Card Type, bank card part account number, Payment Card card number, customer contact phone number, month Spending Limit are sent to third-party processor, binding procedure is finished.
For preventing that forging the binding terminal steals the bank card account number, the binding terminal is installed in the business hall of bank's Attended mode, and links to each other with the bank processor by bank's internal network, and data can not leaked when guaranteeing to bind.It is to prevent that the third party from can obtain user's bank card account number and password simultaneously that bank's processor only sends part bank card account number (such as four at end) to third party's processor, realize the purpose of user account security, when the user brushes Payment Card consumption, can in time notify the user to be to use which account number transaction again.Input contact phone number is the consumption situation that the third party can in time notify user account number in order to consume by the third party.Input month consumption restriction can prevent that the disabled user from doing a large amount of consumer sales at the appointed time, reduces user's loss.
5, feature user account number: banking system is that the Payment Card of every binding is set up electronic bankbook account number and stored value card account number; Electronic bankbook on the electronic bankbook account number counterpart expenditure card on the banking system, stored value card account number counterpart expenditure card stored value card on the banking system, electronic bankbook, stored value card on the electronic bankbook account number on the banking system, stored value card account number and the Payment Card are synchronous.The user do circle deposit when transaction with the allocation of the funds on user's primary account number on corresponding electronic bankbook of banking system or stored value card account number, do not deduct from primary account number immediately, user's fund before customer consumption by bank's trustship, third party's dishoarding user fund.
6, feature payment collar is deposited: when the user need use Payment Card to do offline transaction, need the user earlier Payment Card to be made circle and deposit transaction (electronic bankbook or stored value card to Payment Card are supplemented with money), the Payment Card after circle is deposited just can be done offline transaction.Circle is deposited flow process and is:
User's selection is deposited by the electronic bankbook circle of Payment Card or the stored value card circle is deposited, and the input circle is deposited the amount of money, primary account number password etc.; Payment terminal sends circle to third party's processor and deposits request; When retrieving many bank cards of this Payment Card binding, third party's processor which selects to use open bank card by the user; Third party's processor sends circle to bank's processor and deposits request; Bank's processor request bank main transfers electronic bankbook account number or the stored value card account number of corresponding fund to this Payment Card correspondence from the primary account number of the bank card of Payment Card binding; After third party's processor receives replying of funds transfer success, under safe key control, electronic bankbook on the Payment Card or stored value card circle are deposited by payment terminal; Payment Card after circle is deposited can be used for off-line consumption; Electronic bankbook account number on the bank main, stored value card account number are corresponding synchronously with electronic bankbook, stored value card on the Payment Card; User's fund before customer consumption by bank's trustship, third party's dishoarding user fund
7, the online consumer sale of feature: directly from bank's primary account number of Payment Card binding transfer fund to the receiving personnel account number to realize online consumer sale; When user's Payment Card has been bound many bank cards, need on payment terminal, to select the bank card of operation by the user; Third party's processor sends to bank's processor with information such as Payment Card card number, bank card part card number, bank card password, receiving personnel account numbers, transfers fund to the receiving personnel account number by bank's processor from bank's primary account number of this Payment Card correspondence; Transfer fund success back and finish relevant subsequent operation again with payment terminal by third party's processor.
Because the third party does not also know bank's card number that the user is complete, promptly enable to analyze the password of user's primary account number, the user carries out on-line transaction in the third party system be safe.
8, feature off-line consumption transaction: directly withhold to realize the off-line consumption transaction from Payment Card; The safety of offline transaction is by the PSAM card control that is installed in the payment terminal, the card issuer issues; When offline transaction is used for on-the-spot consumption such as market POS, payment terminal pull on deliver easy record back by bank main with user's Payment Card the funds transfer on corresponding electronic bankbook or the stored value card to the receiving personnel account number; Offline transaction is used to supplement with money, pays the fees, purchase etc. needs online when professional, payment terminal is deducted fees after the success to Payment Card information such as transaction request and consumption record is sent to third party's processor, is finished follow-up corresponding processing and the result is replied to payment terminal by third party's processor; When follow-up business is failed, third party's processor will be asked bank main, funds transfer on this Payment Card electronic bankbook account number or the stored value card account number to bank's primary account number of this Payment Card binding, is guaranteed that fund is synchronous on bank main account number fund and the Payment Card; When the follow-up business success, third party's processor will be asked bank main, and corresponding receiving personnel account number is arrived in the funds transfer on this Payment Card electronic bankbook account number or the stored value card account number.
Third party's processor is by the validity of encryption equipment checking offline transaction, and the purpose of checking is in order to prevent terminal forgery payment transaction.
9, feature funds transfer: when carrying out on-line transaction, transfer the receiving personnel account number after the fund deduction service fee with user's primary account number behind the bank main checking bank cipher; After bank main receives the funds transfer request that third party's processor sends, will the corresponding electronic bankbook account number of this Payment Card or the stored value card account number on fund deduction service fee after transfer the receiving personnel account number; If corresponding account number of Payment Card and receiving personnel account number then directly transfer in same bank; Otherwise, transmit funds transfer to the receiving personnel account number by third party's processor; Receiving personnel is the signatory businessman that accepts payment card services, and receiving personnel all has good grounds, and guarantees the safety of user's fund.
10, feature clearing: in the enforcement of this programme, data are transmitted by third party's processor between bank and the bank, transmit leg provides PKI, uses private key that data are encrypted, and the take over party uses validity, the legitimacy of a PKI data decryption that provides with verification msg is provided; Bank and interbank are by third party's accounting checking, clearing.
Above feature request scope is limited to the distribution non-contact smart payment card, and realizes the method for different bank payment services by Payment Card and bank's magnetic stripe card binding; Other staff without departing from the inventive concept of the premise, some other technology of done accurately, the deduction that beautifies or simplify, all should belong to protection scope of the present invention; By the distribution of financial unit, Payment Card that uses on the terminal that this unit provides and enforcement is not then at this claimed range.
Beneficial effect
The present invention compared with prior art has following obvious improvement and outstanding characteristics:
1, unified non-contact smart payment card interface has been saved social public resource.
2, use contactless smart card to do offline transaction, improved the security of transaction.Use banking system special issue and the synchronous mode of Payment Card account number, increased the cash reserve of bank.
3, reduce the risk of using bank's magnetic stripe card, expanded the usable range of bank card, improved the utilization rate of bank card; Mode of operation of the present invention is more secure to the security of banking system.
4, the user just can directly enclose in payment terminal and deposit, and has made things convenient for the user; Use the unmanned terminal, continual service in 24 hours can be provided, made things convenient for the user.
6, operator has increased channel of disbursement, can cut operating costs, and improves competitive strength.
7, the bank card registration that opens a bank account is system of real name, and is for later system of real name policy provides the foundation, safer.
Description of drawings
Fig. 1 is a network structure of the present invention.
Wherein: 11 to 19 is several bank's processors; 21 is the bank main that is connected with bank processor 11, and 29 is the bank main that is connected with bank processor 19; 311 to 319 is several binding terminals that are connected with bank processor 11, and 391 to 399 be that several that be connected with bank processor 19 are bound terminals; 4 is the card user who carries out bindings on binding terminal 311; 11,21,311 to 319 be classified as a tame bank, 19,29,391 to 399 are classified as a tame bank; 8 is third party's processor; 51 for being power office's processor, and 52 for water supply office processor, is other processed in units machine to 59; 61 to 69 is the payment terminal that is connected with third party's processor 8; 9 is the card user who carries out delivery operation on payment terminal 61.
Specific embodiments
Embodiment one: Payment Card and bank card binding
According to shown in Figure 1, card user 4 carries out the bindings of Payment Card and bank card on binding terminal 311.Card user 4 is data such as brush bank magnetic stripe card, brush Payment Card, input contact phone number, month Spending Limit on binding terminal 311; Binding terminal 311 sends to bank's processor 11 with binding information; The binding relationship of bank's processor 11 records two cards, to the request that bank main 21 sends this bank card primary account number open system electronic bankbook account number and stored value card account number, send the bind request of information such as comprising part bank card number, payment card number, contact phone number, month Spending Limit to third party's processor 8; Third party's processor 8 these binding relationships of record send the successful note of binding to user mobile phone.Binding is finished.
Embodiment two: the online electricity payment of user
According to shown in Figure 1, card user 9 carries out the operation of online electricity payment on payment terminal 61.Card user 9 brushes Payment Card, selects primary account number (online) to pay the fees, select data such as electricity payment, the electric table number of input and the month of paying the fees on payment terminal 61; Payment terminal 61 sends to third party's processor 8 with information such as the electric table number and the months of paying the fees; Third party's processor 8 sends the query requests that these electricity table numbers should month to power office's processor 51; Power office's processor 51 these electricity table numbers of inquiry should after the amount owed in month be replied the result to third party's processor 8; Third party's processor 8 sends to payment terminal 61 with the part card number of all bank cards of inquiry response information and the binding of card user 9 Payment Card of brushing; The password of input binding bank card after card user 9 confirms to pay the fees the amount of money and selects required bank card; Payment terminal 61 sends the request of paying the fees to third party's processor 8; Third party's processor 8 sends the request of paying the fees to bank's processor 11, and request msg comprises that payment card number, bank card part card number, premium received, receiving personnel that card user 9 brushes are power office etc.; Bank's processor 11 sends the funds transfer request to bank main 21; Bank main 21 replys the funds transfer result to bank's processor 11; Bank's processor 11 is replied third party's processor 8 with funds transfer; Third party's processor 8 sends the information of subscriber payment success to power office's processor 51; Reply third party's processor 8 after the information of paying the fees of power office's processor 51 these electricity table numbers of record; Third party's processor 8 sends replying of the success of paying the fees to payment terminal 61, and the phone number of input when Payment Card is bound sends the note of the success of paying the fees; Show the result that pays the fees on the payment terminal 61; Card user's 9 buttons withdraw from.Pay the fees and finish, whole process is efficient and convenient.
Embodiment three: the user uses electronic bankbook to pay water rate
According to shown in Figure 1, card user 9 carries out the operation that electronic bankbook is paid water rate on payment terminal 61.Card user 9 brushes Payment Card, selects electronic bankbook to pay the fees, select to pay data such as water rate, input water table number and the month of paying the fees on payment terminal 61; Payment terminal 61 sends to third party's processor 8 with information such as the water table number and the months of paying the fees; Third party's processor 8 sends the query requests that these water table numbers should month to water supply office processor 52; Water supply office processor 52 these water table numbers of inquiry should after the amount owed in month be replied the result to third party's processor 8; Third party's processor 8 sends to payment terminal 61 with inquiry response information; Card user 9 confirms to pay the fees the amount of money, input electronic bankbook password; Send the solicited message of paying the fees to third party's processor 8 after payment terminal 61 is deducted fees from Payment Card, information comprises the information of deducting fees and paying information etc.; Third party's processor 8 sends the information of subscriber payment success to water supply office processor 52; Reply third party's processor 8 after the information of paying the fees of water supply office processor 52 these water table numbers of record; Third party's processor 8 sends replying of the success of paying the fees to payment terminal 61, and the phone number of input when Payment Card is bound sends the note of the success of paying the fees; Show the result that pays the fees on the payment terminal 61; Card user's 9 buttons withdraw from.Pay the fees and finish, whole process is efficient and convenient.
Embodiment four: the user uses the electronic bankbook market shopping
According to shown in Figure 1, the market cashier imports the shopping amount of money and selects electronic bankbook consumption on payment terminal 61; Card user 9 is brushing Payment Card behind the input electronic bankbook password on the payment terminal 61; Payment terminal 61 is carried out deducting fees of electronic bankbook, shows success after the success of deducting fees and prints document.Pay the fees and finish, whole process is efficient and convenient.
Embodiment five: the user uses stored value card by bus
According to shown in Figure 1, the fixing stored value card consumption amount of money is set on payment terminal 61; User 6 brushes Payment Card on payment terminal 61; Payment terminal 61 is carried out deducting fees of stored value card, shows after the success of deducting fees successfully and auditory tone cues.Pay the fees and finish, whole process is efficient and convenient.
More than implementing use-case is in conjunction with further describing that concrete main embodiment is done, and can not assert that concrete enforcement of the present invention is confined to these and implements use-case.
Claims (10)
- The method of a kind of non-contact smart payment card and support different bank payment services thereof.Comprise following feature:1. issue non-contact smart payment card and PSAM card by the third party, set up payment network; Realize the payment transaction of corresponding bank by Payment Card with the binding of different bank magnetic stripe card; Payment Card can done on-line transaction after the binding on payment terminal, Payment Card can be done online on terminal and offline transaction deposit (Payment Card electronic bankbook or stored value card are supplemented with money) at circle after.
- 2. the hair fastener described in the claim 1, it is characterized in that: the third party issues Payment Card and PSAM card; Payment Card is a contactless smart card, satisfies the demand for security of financial payment, comprises antenna, processor, memory module, security module etc. on the card, and the encapsulation of various ways can be arranged.
- 3. the network described in the claim 1, it is characterized in that: bank's processor links to each other by bank's internal network with bank main; Bank's processor links to each other by bank's internal network with the binding terminal; Bank's processor links to each other by dedicated network with third party's processor; The processor of different bank links to each other by third-party processor; Third party's processor links to each other by wireless network or dedicated network with payment terminal; Third party's processor links to each other by dedicated network with the processor of other unit such as power office, water supply office etc.
- 4. the binding described in the claim 1 is characterized in that: the user uses bank's magnetic stripe card of expectation and Payment Card to bind on the binding terminal; Bank main is that the Payment Card of every binding is set up corresponding electronic bankbook account number and stored value card account number; Bank's processor writes down this binding relationship, and information such as Payment Card card number, bank card part card number are sent to third party's processor; A Payment Card can be bound many bank's magnetic stripe cards, and bank's magnetic stripe card can be bound many Payment Cards.
- 5. the account number described in the claim 4 is characterized in that: bank main is that the Payment Card of every binding is set up corresponding electronic bankbook account number and stored value card account number; Electronic bankbook on the electronic bankbook account number counterpart expenditure card on the bank main, stored value card on the stored value card account number counterpart expenditure card on the bank main.
- 6. the circle described in the claim 1 is deposited, and it is characterized in that: user's selection is deposited by the electronic bankbook circle of Payment Card or the stored value card circle is deposited, and the input circle is deposited the amount of money, primary account number password etc.; Payment terminal sends circle to third party's processor and deposits request; When retrieving many bank cards of this Payment Card binding, third party's processor which selects to use open bank card by the user; Third party's processor sends circle to bank's processor and deposits request; Bank's processor request bank main transfers electronic bankbook account number or the stored value card account number of corresponding fund to this Payment Card correspondence from the primary account number of the bank card of Payment Card binding; After third party's processor receives replying of funds transfer success, under safe key control, electronic bankbook on the Payment Card or stored value card circle are deposited by payment terminal; Payment Card after circle is deposited can be used for off-line consumption; Electronic bankbook account number on the bank main, stored value card account number are corresponding synchronously with electronic bankbook, stored value card on the Payment Card; User's fund before customer consumption by bank's trustship, third party's dishoarding user fund.
- 7. the on-line transaction described in the claim 1 is characterized in that: directly from bank's primary account number of Payment Card binding transfer fund to the receiving personnel account number to realize online consumer sale; Third party's processor sends to bank's processor with information such as Payment Card card number, bank card part card number, bank card password, receiving personnel account numbers; Bank's processor request bank main transfers fund to the receiving personnel account number from bank's primary account number of this Payment Card binding; Transfer fund success back and finish follow-up relevant operation by third party's processor and payment terminal.
- 8. the offline transaction described in the claim 1 is characterized in that: directly withhold to realize offline transaction from Payment Card; The safety of offline transaction is by the PSAM card control of card issuer's distribution; When offline transaction is used for on-the-spot consumption such as market POS, payment terminal pull on deliver easy record back by bank main with user's Payment Card the funds transfer on corresponding electronic bankbook or the stored value card to the receiving personnel account number; Offline transaction is used to supplement with money, pays the fees, purchase etc. needs online when professional, payment terminal is deducted fees after the success to Payment Card information such as transaction request and consumption record is sent to third party's processor, is finished follow-up corresponding processing and the result is replied to payment terminal by third party's processor; When follow-up business is failed, third party's processor will be asked bank main, funds transfer on this Payment Card electronic bankbook account number or the stored value card account number to bank's primary account number of this Payment Card binding, is guaranteed that fund is synchronous on bank main account number fund and the Payment Card; When the follow-up business success, third party's processor will be asked bank main, and corresponding receiving personnel account number is arrived in the funds transfer on this Payment Card electronic bankbook account number or the stored value card account number.
- 9. the funds transfer described in the claim 7,8 is characterized in that: when carrying out on-line transaction, transfer the receiving personnel account number after the fund deduction service fee with user's primary account number after the bank main checking user bank card password; When carrying out offline transaction, after bank main receives the funds transfer request that third party's processor sends, will the corresponding electronic bankbook account number of this Payment Card or the stored value card account number on fund deduction service fee after transfer the receiving personnel account number; If corresponding account number of Payment Card and receiving personnel account number then directly transfer in same bank; Otherwise, transmit funds transfer to the receiving personnel account number by third party's processor; Receiving personnel is the signatory businessman that accepts payment card services, guarantees the safety of user's fund; Transmit data and clearing by third party's processor between the bank.
- 10. the forwarding described in the claim 9, clearing, it is characterized in that: data are transmitted by third party's processor between bank and the bank, transmit leg provides PKI, uses private key that data are encrypted, and the take over party uses PKI data decryption that transmit leg provides validity, the legitimacy with verification msg; Bank and interbank are by third party's accounting checking, clearing.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201010265947 CN101930572A (en) | 2010-08-24 | 2010-08-24 | Non-contact smart payment card and method thereof for supporting different bank payment services |
| CN2011800041576A CN102667838A (en) | 2010-08-24 | 2011-08-23 | Non-contact smart payment card and method thereof for supporting different bank payment services |
| PCT/CN2011/001402 WO2012024894A1 (en) | 2010-08-24 | 2011-08-23 | Contactless smart card and method for same to support payment services of different banks |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201010265947 CN101930572A (en) | 2010-08-24 | 2010-08-24 | Non-contact smart payment card and method thereof for supporting different bank payment services |
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| Publication Number | Publication Date |
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| CN101930572A true CN101930572A (en) | 2010-12-29 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN 201010265947 Pending CN101930572A (en) | 2010-08-24 | 2010-08-24 | Non-contact smart payment card and method thereof for supporting different bank payment services |
| CN2011800041576A Pending CN102667838A (en) | 2010-08-24 | 2011-08-23 | Non-contact smart payment card and method thereof for supporting different bank payment services |
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| CN2011800041576A Pending CN102667838A (en) | 2010-08-24 | 2011-08-23 | Non-contact smart payment card and method thereof for supporting different bank payment services |
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| WO (1) | WO2012024894A1 (en) |
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| WO2012024894A1 (en) * | 2010-08-24 | 2012-03-01 | Zhang Longqi | Contactless smart card and method for same to support payment services of different banks |
| CN102521747A (en) * | 2011-12-05 | 2012-06-27 | 中国联合网络通信集团有限公司 | Method for binding electronic wallet account, method, device and system for processing service of electronic wallet |
| WO2012149836A1 (en) * | 2011-05-04 | 2012-11-08 | Hou Wanchun | Electronic bank card capable of bearing magnetic stripe card |
| CN102867377A (en) * | 2012-09-20 | 2013-01-09 | 中国农业银行股份有限公司 | Method and system for realizing services on point-of-sale (POS) terminal machine and POS terminal machine |
| CN103003831A (en) * | 2012-02-14 | 2013-03-27 | 张龙其 | Method for supporting multi-bank smart card off-line trade |
| CN103258387A (en) * | 2012-02-15 | 2013-08-21 | 中国银联股份有限公司 | Method and system for swiping and loading card by bank card |
| WO2013120231A1 (en) * | 2012-02-14 | 2013-08-22 | Zhang Longqi | Smart-card payment system |
| CN103295344A (en) * | 2012-02-22 | 2013-09-11 | 普天信息技术研究院有限公司 | Memory card, terminal and transaction system |
| CN105095942A (en) * | 2014-05-22 | 2015-11-25 | 中兴通讯股份有限公司 | Intelligent card management method and system |
| CN105160776A (en) * | 2015-09-09 | 2015-12-16 | 建亿通（北京）数据处理信息有限公司 | City card, business platform, card business system and realization method |
| CN106557973A (en) * | 2015-09-30 | 2017-04-05 | 美的集团股份有限公司 | For the management method of bank card, device, mobile terminal and system |
| CN112118227A (en) * | 2017-11-29 | 2020-12-22 | 华为技术有限公司 | Card binding method and terminal |
| CN113673974A (en) * | 2021-08-09 | 2021-11-19 | 苏州优炫智能科技有限公司 | Electronic currency off-line transaction method and transaction device |
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Family Cites Families (4)
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| CN101222246A (en) * | 2008-01-29 | 2008-07-16 | 中兴通讯股份有限公司 | Method and device for implementing automatic charging by near-field communication terminal, and mobile communication terminal |
| CN101615274A (en) * | 2008-06-25 | 2009-12-30 | 阿里巴巴集团控股有限公司 | Utilize the method and system of communication terminal to pay |
| CN101710408A (en) * | 2009-11-05 | 2010-05-19 | 张龙其 | Method for realizing transactions on terminal equipment by binding common card with bank card |
| CN101930572A (en) * | 2010-08-24 | 2010-12-29 | 张龙其 | Non-contact smart payment card and method thereof for supporting different bank payment services |
-
2010
- 2010-08-24 CN CN 201010265947 patent/CN101930572A/en active Pending
-
2011
- 2011-08-23 CN CN2011800041576A patent/CN102667838A/en active Pending
- 2011-08-23 WO PCT/CN2011/001402 patent/WO2012024894A1/en active Application Filing
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| WO2012024894A1 (en) * | 2010-08-24 | 2012-03-01 | Zhang Longqi | Contactless smart card and method for same to support payment services of different banks |
| WO2012149836A1 (en) * | 2011-05-04 | 2012-11-08 | Hou Wanchun | Electronic bank card capable of bearing magnetic stripe card |
| CN102521747A (en) * | 2011-12-05 | 2012-06-27 | 中国联合网络通信集团有限公司 | Method for binding electronic wallet account, method, device and system for processing service of electronic wallet |
| CN103003831B (en) * | 2012-02-14 | 2015-07-08 | 张龙其 | Smart card payment system |
| CN103003831A (en) * | 2012-02-14 | 2013-03-27 | 张龙其 | Method for supporting multi-bank smart card off-line trade |
| WO2013120231A1 (en) * | 2012-02-14 | 2013-08-22 | Zhang Longqi | Smart-card payment system |
| CN103258387B (en) * | 2012-02-15 | 2015-07-15 | 中国银联股份有限公司 | Method and system for swiping and loading card by bank card |
| CN103258387A (en) * | 2012-02-15 | 2013-08-21 | 中国银联股份有限公司 | Method and system for swiping and loading card by bank card |
| CN103295344A (en) * | 2012-02-22 | 2013-09-11 | 普天信息技术研究院有限公司 | Memory card, terminal and transaction system |
| CN102867377B (en) * | 2012-09-20 | 2015-01-28 | 中国农业银行股份有限公司 | Method and system for realizing services on point-of-sale (POS) terminal machine and POS terminal machine |
| CN102867377A (en) * | 2012-09-20 | 2013-01-09 | 中国农业银行股份有限公司 | Method and system for realizing services on point-of-sale (POS) terminal machine and POS terminal machine |
| CN105095942A (en) * | 2014-05-22 | 2015-11-25 | 中兴通讯股份有限公司 | Intelligent card management method and system |
| WO2015176396A1 (en) * | 2014-05-22 | 2015-11-26 | 中兴通讯股份有限公司 | Intelligent card management method and system |
| CN105160776A (en) * | 2015-09-09 | 2015-12-16 | 建亿通（北京）数据处理信息有限公司 | City card, business platform, card business system and realization method |
| CN106557973A (en) * | 2015-09-30 | 2017-04-05 | 美的集团股份有限公司 | For the management method of bank card, device, mobile terminal and system |
| CN112118227A (en) * | 2017-11-29 | 2020-12-22 | 华为技术有限公司 | Card binding method and terminal |
| CN112118227B (en) * | 2017-11-29 | 2023-02-03 | 华为技术有限公司 | Binding method and terminal |
| CN113673974A (en) * | 2021-08-09 | 2021-11-19 | 苏州优炫智能科技有限公司 | Electronic currency off-line transaction method and transaction device |
| CN115049379A (en) * | 2022-06-16 | 2022-09-13 | 中国工商银行股份有限公司 | Third party payment method and device, processor and electronic equipment |
Also Published As
| Publication number | Publication date |
|---|---|
| CN102667838A (en) | 2012-09-12 |
| WO2012024894A1 (en) | 2012-03-01 |
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