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CN101840599B - Earmark method and system of electronic purse - Google Patents

Earmark method and system of electronic purse Download PDF

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Publication number
CN101840599B
CN101840599B CN2009102446124A CN200910244612A CN101840599B CN 101840599 B CN101840599 B CN 101840599B CN 2009102446124 A CN2009102446124 A CN 2009102446124A CN 200910244612 A CN200910244612 A CN 200910244612A CN 101840599 B CN101840599 B CN 101840599B
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China
Prior art keywords
card
server
user
stored value
circle
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Expired - Fee Related
Application number
CN2009102446124A
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Chinese (zh)
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CN101840599A (en
Inventor
李崇
盛春雷
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Beijing WatchData System Co Ltd
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Beijing WatchData System Co Ltd
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Filing date
Publication date
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Priority to CN2009102446124A priority Critical patent/CN101840599B/en
Publication of CN101840599A publication Critical patent/CN101840599A/en
Application granted granted Critical
Publication of CN101840599B publication Critical patent/CN101840599B/en
Expired - Fee Related legal-status Critical Current
Anticipated expiration legal-status Critical

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Abstract

The invention provides an earmark method and a system of an electronic purse, which relate to the communication field, and are convenient for the user to earmark. The utility model proposes the technical scheme that: an earmark request is transmitted to an electronic purse server through a Web terminal, individualized data information of a user card which is read by a read-write card device is transmitted to the electronic purse server, and the Web terminal is connected with the read-write card device; the electronic purse server verifies the account information of the user card according to the individualized data information, and after being verified to success, the electronic purse server transmits a successful confirmation information to the Web terminal; a transfer request is transmitted to a bank account server through the Web terminal; the bank account server carries out the transfer from the bank account of the user to the electronic purse account of the electronic purse server according to the transfer request; and after the transfer is succeeded, the electronic purse server transmits a message about the successful transfer to the user card through the Web terminal and the read-write card device, and the user card writes in the earmark amount according to the message.

Description

A kind of circle deposit method of stored value card and system
Technical field
The present invention relates to the communications field, relate in particular to a kind of circle deposit method and system of stored value card.
Background technology
Some application based on the double-interface card payment scheme of mobile phone intelligent card have appearred at present on the market, through closely noncontact wireless communication technique realization.This technology is a kind of of NFC (Near FieldCommunication, close range wireless communication), and it has merged DI card technique and SIM (SubscriberIdentity Module, card is user identification module) card technique, perhaps is called double-interface SIM card.
The existing circle that depends on the double-interface card stored value card of mobile phone intelligent card is deposited and mainly comprised two aspects: a kind of is the Payment System of Electronic Purse that is provided by telecom operators, and a kind of is the Payment System of Electronic Purse that is provided by bank.These two kinds of existing modes of payments all have the system service provider for the user account to be provided; This account is the stored value card account; The circle process of depositing is rechargeable card or the bank account that is provided through the system service provider, supplemented with money by the user, but the process of supplementing with money is mainly passed through the data SMS completion; Promptly enclose and deposit through OTA (Over The Air, air download) mode.
In realizing the process that the stored value card circle is deposited, the inventor finds that the mode of supplementing with money in the prior art is too single, supplements with money to the user and causes inconvenience, has greatly limited the application of stored value card.
Summary of the invention
Embodiments of the invention provide a kind of stored value card circle deposit method and system based on Web, make things convenient for the user to enclose and deposit.
For achieving the above object, embodiments of the invention adopt following technical scheme:
A kind of circle deposit method of stored value card comprises:
Send circle through Web end to the stored value card server and deposit request, and the personal data information of sending the user's card that reads by card reader device to said stored value card server, wherein, said Web end is connected with said card reader device;
Said stored value card server verifies the accounts information of said user's card according to said personal data information, verify successfully after, said stored value card server sends checking success confirmation message to said Web end;
Send transfer request through said Web end to the bank account server;
Said bank account server is according to said transfer request, from user's the bank account stored value card account transfer to said stored value card server;
Transfer accounts after the success, said stored value card server sends the success message of transferring accounts through said Web end and said card reader device to said user's card, and said user's card is write circle according to the said success message of transferring accounts and deposited the amount of money.
A kind of stored value card circle deposit system comprises:
User's card, Web end, card reader device, stored value card server and bank account server; Wherein, said Web end is connected with said card reader device, and said Web end is connected through network with said stored value card server and said bank account server each other;
Said card reader device is used to read the personal data information of said user's card, and in said user's card, writes circle and deposit the amount of money;
Said Web end; Be used for sending circle and deposit request to said stored value card server; The personal data information of sending the said user's card that reads by said card reader device to said stored value card server, and send transfer request to said bank account server;
Said stored value card server; Be used for the accounts information of said user's card being verified according to said personal data information; After verifying successfully; Send checking success confirmation message to said Web end, and send the success message of transferring accounts to said user's card through said Web end and said card reader device;
Said bank account server is used for according to said transfer request, from user's the bank account stored value card account transfer to said stored value card server.
The circle deposit method of the stored value card that the embodiment of the invention provides and system can realize from the bank account server to the transferring accounts of stored value card server based on Web, thereby the circle of realizing stored value card are deposited.The embodiment of the invention provides a kind of new circle to deposit mode, has solved because existing circle is deposited the single circle that brings to the user of mode and has deposited inconvenience, and is convenient for users, improved user experience, helps applying of stored value card.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art; To do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below; Obviously, the accompanying drawing in describing below only is some embodiments of the present invention, for those of ordinary skills; Under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.
The FB(flow block) of the circle deposit method of the stored value card that Fig. 1 provides for the embodiment of the invention;
The schematic flow sheet of the circle deposit method of the stored value card that Fig. 2 provides for another embodiment of the present invention;
The synoptic diagram of the stored value card circle deposit system that Fig. 3 provides for the embodiment of the invention;
The synoptic diagram of another stored value card circle deposit system that Fig. 4 provides for the embodiment of the invention.
Embodiment
To combine the accompanying drawing in the embodiment of the invention below, the technical scheme in the embodiment of the invention is carried out clear, intactly description, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills are not making the every other embodiment that is obtained under the creative work prerequisite, all belong to the scope of the present invention's protection.
The circle deposit method of the stored value card that the embodiment of the invention provides, as shown in Figure 1, this method step comprises:
S101, send circle through Web end to the stored value card server and deposit request, and the personal data information of sending the user's card that reads by card reader device to the stored value card server, wherein, the Web end is connected with card reader device.
S102, stored value card server verify the accounts information of user's card according to personal data information, verify successfully after, the stored value card server sends checking success confirmation message to the Web end.
S103, send transfer request to the bank account server through Web end.
S104, bank account server be according to transfer request, from user's the bank account stored value card account transfer to the stored value card server.
After S105, the success of transferring accounts, the stored value card server sends the success message of transferring accounts through Web end and card reader device to user's card, and user's card is write circle according to this success message of transferring accounts and deposited the amount of money.
The circle deposit method of the stored value card that the embodiment of the invention provides can realize from the bank account server to the transferring accounts of stored value card server based on Web, thereby the circle of realizing stored value card is deposited.The embodiment of the invention provides a kind of new circle to deposit mode, has solved because existing circle is deposited the single circle that brings to the user of mode and has deposited inconvenience, and is convenient for users, improved user experience, helps applying of stored value card.
The circle deposit method of the stored value card that another embodiment of the present invention provides, as shown in Figure 2, this method step comprises:
S201, user deposit the page (being the Web end) through the network circle of PC (Personal Computer, personal computer), send circle and deposit request, and wherein, the request of depositing of this circle comprises stored value card id information, key and random number.
S202, real time data swap server receive after this circle deposits request, according to stored value card id information, key and the random number of user's input, put out an APDU (Application ProtocolData Unit in order through encryption; Application Protocol Data Unit) instruction, promptly first instruction is handed down to PC; Card reader through being connected then with PC; Be card reader device, issue user's card, to read the personal data of card.Card reader can be divided into contact card reader, Non-contact Media Reader; Non-contact Media Reader has easy-to-use; Advantage such as not easy to wear; The present invention need use card reader to realize and the communicating by letter of stored value card carrier-user's card, use any card reader all can, present embodiment is example with the Non-contact Media Reader.
S203, user's card are deciphered this APDU, and authentication secret, verify successfully after, the personal data of encrypting is returned to the real time data swap server with response (Response) mode.This personal data comprises that the amount of money, last circle that the account ID, remaining sum of stored value card, last circle are deposited deposit information such as time.
S204, real time data swap server are deciphered the personal data of this encryption, the plaintext personal data after the deciphering is issued backstage stored value card server carry out the personal data checking.
S205, stored value card server stores the personal data information of all user's cards; After account ID through the stored value card that receives searches out corresponding stored value card account; The stored value card server is deposited information to the last time circle; Remaining sum is carried out verification and is checked, if the data that user's card is uploaded and the data consistent of stored value card server stores, representes that verification demonstrate,proves successfully.The stored value card server sends checking success confirmation message to the real time data swap server.
A new APDU instruction is encrypted and put in order out to S206, real time data swap server to this checking success confirmation message; I.e. second instruction; Return to the PC that the request circle is deposited, comprised checking result, proving time in this APDU instruction and asked card to accept the information that circle is deposited.This APDU instruction is issued card via contactless card reader.
S207, user's card decipher this APDU instruction, oneself state is adjusted into from original state treats that circle deposits state, treating that circle deposits under the state user's card and will only accept circle and deposit operation, refuse any other operation requests.Secondly, this APDU instruction meeting is deposited time register to the circle of user's card and is upgraded, and returns a response (Response) to the real time data swap server.This response the inside is comprising the card personalization data equally---time and some enciphered messages of account ID, transmission response.
S208, real time data swap server can know that card returns the time of response after this response is deciphered, if the time ratio current time value that user's card returns early, mean that then time sequencing is reasonable.Can obtain the register information of card in addition, this register information represent card be in treat the circle deposit state, the real time data swap server can be notified the Webpage of PC, can carry out the ensuing operation of transferring accounts.
S209, user insert the related data of transferring accounts on the Webpage of PC, send transfer request to the bank account server.
S210, bank account server be according to this transfer request, from user's the bank account stored value card account transfer to the stored value card server, accomplishes circle and deposit.
After S211, the success of transferring accounts, the stored value card server can send to the real time data swap server with comprising the success message of transferring accounts that encloses the information of depositing the amount of money.
S212, real time data swap server are encrypted this success message of transferring accounts; Be organized into a new APDU instruction; I.e. the 3rd instruction has comprised in this APDU instruction that backstage stored value card account successfully encloses time, the amount of money, remaining sum and some enciphered messages of depositing.This APDU instruction is sent to user's card through PC and contactless card reader.
S213, user's card are deciphered it after receiving this APDU instruction, obtain circle and deposit the amount of money, through contactless card reader this circle are deposited the amount of money and write.And the related register of its inside upgraded, comprise that circle deposits time, the amount of money and remaining sum, also to user's card mode be set to the original state before supplementing with money.Simultaneously; User's card also can return the response message of an encryption to the real time data swap server; Comprised personal data information---account ID, time, mode of operation and the enciphered message of user's card after upgrading in this response message, the completion that its expression is correct once circle deposit flow process.
S214, real time data server are deciphered this response message, and the personal data information after the renewal that deciphering is obtained is sent to the stored value card server, so that the accounts information of the said user's card of stored value card server update.
The circle deposit method of the stored value card that the embodiment of the invention provides can realize from the bank account server to the transferring accounts of stored value card server based on Web, thereby the circle of realizing stored value card is deposited.The embodiment of the invention provides a kind of new circle to deposit mode, has solved because existing circle is deposited the single circle that brings to the user of mode and has deposited inconvenience, and is convenient for users, improved user experience, helps applying of stored value card.In addition, because real time data server to the cryptographic operation of data, effectively transmits the confidentiality of data in the protecting network.
The stored value card circle deposit system that the embodiment of the invention provides, as shown in Figure 3, comprising:
User's card 301, Web end 302, card reader device 303, stored value card server 304 and bank account server 305; Wherein, Web end 302 is connected with card reader device 303, and Web holds 302 to be connected through network each other with stored value card server 304 and bank account server 305.
Card reader device 303 is used to read the personal data information of user's card 301, and in user's card 301, writes circle and deposit the amount of money.
Web end 302 is used for sending circle to stored value card server 304 and deposits request, the personal data information of sending the user's card 301 that reads by card reader device 303 to stored value card server 304, and send transfer request to bank account server 305.
Stored value card server 304; Be used for the accounts information of user's card 301 being verified according to personal data information; After verifying successfully, send checking success confirmation message, and send the success message of transferring accounts to user's card 301 through Web end 302 and card reader device 303 to Web end 302.
Bank account server 305 is used for according to this transfer request, from user's the bank account stored value card account transfer to stored value card server 304.
The stored value card circle deposit system that the embodiment of the invention provides can realize from the bank account server to the transferring accounts of stored value card server based on Web, thereby the circle of realizing stored value card is deposited.The embodiment of the invention provides a kind of new circle to deposit mode, has solved because existing circle is deposited the single circle that brings to the user of mode and has deposited inconvenience, and is convenient for users, improved user experience, helps applying of stored value card.
Further, as shown in Figure 4, this system also comprises:
The real time data swap server 306 that is connected through network with Web end 302 and stored value card server 304.
Real time data swap server 306 is used for after the circle that receives 302 transmissions of Web end is deposited request, and the request of depositing is encrypted and obtained first instruction to this circle, and this first instruction is sent to user's card 301 through Web end 302 and card reader device 303; Decipher with the personal data information of the encryption that user's card 301 is sent; And to 304 transmissions of stored value card server; Checking success confirmation message to stored value card server 304 sends is encrypted; Obtain second instruction, this second instruction is sent to user's card 301 through Web end 302 and card reader device 303; And the response message that user's card 301 sends deciphered and verify; After verifying successfully; Notice Web end 302 operation of transferring accounts; The success message of transferring accounts to stored value card server 304 sends is encrypted, and obtains the 3rd instruction, and sends to user's card 301 through Web end 302 and card reader device 303.
In addition, user's card 301 also is used for after writing circle to deposit the amount of money, upgrading personal data information, with sending to real time data swap server 306 after the personal data information encryption after upgrading.
Real time data swap server 306 also is used for the personal data information after upgrading is deciphered, and sends to stored value card server 304.
Stored value card server 304 also is used for the user account information according to user's card 301 of the personal data information updating storage after upgrading.
Further, after this user's card 301 is write circle and is deposited the amount of money, the original state before the state of user's card 301 can be set to supplement with money.
This shows; The real time data swap server is the intermediate conversion device that connects Web end and stored value card server; Undertaking the task of encrypting and decrypting; Be the gateway of backstage stored value card server and communicating between users, because real time data server to the cryptographic operation of data, effectively transmits the confidentiality of data in the protecting network.
The above; Be merely embodiment of the present invention, but protection scope of the present invention is not limited thereto, any technician who is familiar with the present technique field is in the technical scope that the present invention discloses; Can expect easily changing or replacement, all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion by said protection domain with claim.

Claims (10)

1. the circle deposit method of a stored value card is characterized in that, comprising:
Send circle through the Web end to the stored value card server and deposit request; And the personal data information of sending the user's card that reads by card reader device to said stored value card server; Comprise: the webpage through the Web end sends the request of depositing of enclosing to the real time data swap server; Wherein, said real time data swap server is connected with said stored value card server with said Web end through network, and said Web end is connected with said card reader device; Said real time data swap server receives after said circle deposits request, and the request of depositing is encrypted and obtained first instruction to said circle, will said first instruction holds through said Web and said card reader device sends to said user's card; Said user's card to said first instruction decryption and the checking, verify successfully after, with the encryption personal data information send to said real time data swap server; Said real time data swap server is deciphered the personal data information of said encryption, and sends to said stored value card server;
Said stored value card server verifies the accounts information of said user's card according to said personal data information, verify successfully after, said stored value card server sends checking success confirmation message to said Web end;
Send transfer request through said Web end to the bank account server;
Said bank account server is according to said transfer request, from user's the bank account stored value card account transfer to said stored value card server;
Transfer accounts after the success, said stored value card server sends the success message of transferring accounts through said Web end and said card reader device to said user's card, and said user's card is write circle according to the said success message of transferring accounts and deposited the amount of money.
2. the circle deposit method of stored value card according to claim 1 is characterized in that,
The request of depositing of said circle comprises stored value card ID, key and random number;
Said personal data information comprises that stored value card account ID, remaining sum, last circle are deposited the amount of money, last circle is deposited the time.
3. the circle deposit method of stored value card according to claim 2 is characterized in that, said verify successfully after, said stored value card server sends checking success confirmation message to said Web end, comprising:
After verifying successfully, said stored value card server sends checking success confirmation message to said real time data swap server;
Said real time data swap server is encrypted said checking success confirmation message; Obtain second instruction; Said second instruction is sent to said user's card through said Web end and said card reader device; Wherein, contain checking result, proving time and request user card in said second instruction and accept the information that circle is deposited;
Said user's card is deciphered said second instruction, according to said second instruction after the deciphering state is adjusted to and waits to enclose the state of depositing, and send the response message of encrypting to said real time data swap server;
Said real time data swap server is deciphered the response message of said encryption and is verified, verify successfully after, notify the operation of transferring accounts of said Web end.
4. the circle deposit method of stored value card according to claim 3; It is characterized in that; After the said success of transferring accounts; Said stored value card server sends the success message of transferring accounts through said Web end and said card reader device to said user's card, and said user's card is write circle according to the said success message of transferring accounts and deposited the amount of money, comprising:
Transfer accounts after the success, said stored value card server sends to comprise to enclose to said real time data swap server deposits the success message of transferring accounts of amount information;
Said real time data swap server is encrypted the said success message of transferring accounts, and obtains the 3rd instruction, and sends to said user's card through said Web end and said card reader device;
Said user's card is deciphered said the 3rd instruction, obtains circle and deposits amount information, through said card reader device said circle is deposited the amount of money and writes.
5. the circle deposit method of stored value card according to claim 1; It is characterized in that; After the said success of transferring accounts; Said stored value card server sends the success message of transferring accounts through said Web end and said card reader device to said user's card, and after said user's card write according to the said success message of transferring accounts, this method also comprised:
Said user's card upgrades said personal data information, with sending to said real time data swap server after the personal data information encryption after the said renewal;
The personal data information of said real time data swap server after to said renewal is deciphered, and sends to said stored value card server, so that the user account information of said user's card of said stored value card server update storage.
6. the circle deposit method of stored value card according to claim 1 is characterized in that, said user's card writes circle deposit the amount of money after, the original state before the state of said user's card is set to supplement with money.
7. a stored value card circle deposit system is characterized in that, comprising:
User's card, Web end, card reader device, stored value card server, bank account server and real time data swap server; Wherein, said Web end is connected with said card reader device, and said Web end is connected through network with said stored value card server and said bank account server each other; Said real time data swap server is connected with said stored value card server with said Web end through network;
Said card reader device is used to read the personal data information of said user's card, and in said user's card, writes circle and deposit the amount of money;
Said Web end; Be used for sending circle and deposit request to said real time data swap server; First instruction decryption to said real time data swap server sends is also verified; After verifying successfully, send to said real time data swap server after the personal data information encryption of said user's card that said card reader device is read; And to said bank account server transmission transfer request;
Said real time data swap server; Be used for after the said circle that receives the transmission of said Web end is deposited request; The request of depositing is encrypted and is obtained first instruction to said circle, and said first instruction is sent to said user's card through said Web end and said card reader device; Hold the personal data information of the encryption of sending to decipher to said Web, and send to said stored value card server;
Said stored value card server; Be used for the accounts information of said user's card being verified according to said personal data information; After verifying successfully; Send checking success confirmation message to said Web end, and send the success message of transferring accounts to said user's card through said Web end and said card reader device;
Said bank account server is used for according to said transfer request, from user's the bank account stored value card account transfer to said stored value card server.
8. stored value card circle deposit system according to claim 7 is characterized in that,
Said real time data swap server also is used for the checking success confirmation message that said stored value card server sends is encrypted, and obtains second instruction, and said second instruction is sent to said user's card through said Web end and said card reader device; And the response message that said user's card sends deciphered and verify; After verifying successfully; Notify said Web to hold the operation of transferring accounts; The success message of transferring accounts to said stored value card server sends is encrypted, and obtains the 3rd instruction, and sends to said user's card through said Web end and said card reader device.
9. stored value card circle deposit system according to claim 7 is characterized in that,
Said user's card also is used for after writing circle to deposit the amount of money, upgrading said personal data information, with sending to said real time data swap server after the personal data information encryption after the said renewal;
Said real time data swap server also is used for the personal data information after the said renewal is deciphered, and sends to said stored value card server;
Said stored value card server also is used for the user account information according to said user's card of the storage of the personal data information updating after the said renewal.
10. stored value card circle deposit system according to claim 7 is characterized in that, said user's card writes circle deposit the amount of money after, the original state before the state of said user's card is set to supplement with money.
CN2009102446124A 2009-12-31 2009-12-31 Earmark method and system of electronic purse Expired - Fee Related CN101840599B (en)

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CN102568095B (en) * 2010-12-20 2014-09-03 中国移动通信集团山东有限公司 Smart card recharging method and system and device utilizing same
CN102289893A (en) * 2011-04-29 2011-12-21 中国联合网络通信集团有限公司 Method for earmarking electronic wallet and device and system
CN102892096B (en) * 2011-07-19 2015-04-22 中国移动通信集团公司 System, method, business operation support system (BOSS) and equipment for realizing account recharge
CN103108277B (en) * 2012-12-29 2016-03-09 深圳市康索特软件有限公司 Based on air traffic implementation method and the system of cell-phone customer terminal
CN103500404A (en) * 2013-09-25 2014-01-08 小付钱包技术(北京)有限公司 Terminal and E-wallet information interaction method
CN103714624B (en) * 2013-12-19 2016-08-24 吴根佑 Electronic purse recharging method, system and supplement operation terminal with money
CN104574653B (en) * 2014-11-13 2017-12-29 深圳市金溢科技股份有限公司 The method and system that stored value card IC-card supplements with money online are realized based on board units
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