CN101354802A - Method and system for processing consumption record information - Google Patents
Method and system for processing consumption record informationDownload PDFInfo
- Publication number
- CN101354802A CN101354802ACNA2008101197219ACN200810119721ACN101354802ACN 101354802 ACN101354802 ACN 101354802ACN A2008101197219 ACNA2008101197219 ACN A2008101197219ACN 200810119721 ACN200810119721 ACN 200810119721ACN 101354802 ACN101354802 ACN 101354802A
- Authority
- CN
- China
- Prior art keywords
- mobile phone
- recording information
- sim card
- consumption recording
- payment platform
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Images
Landscapes
- Telephone Function (AREA)
- Telephonic Communication Services (AREA)
Abstract
Translated fromChinese
Description
Translated fromChinese技术领域technical field
本发明涉及移动通信领域，特别是一种消费记录信息的处理方法及系统。The invention relates to the field of mobile communication, in particular to a method and system for processing consumption record information.
背景技术Background technique
随着电子银行业务的发展，现代人的消费支付工具已经不局限于现金，而是扩展到银行卡、网上银行、电话银行甚至手机银行。随着手机的日益普及，这一现代化通信工具被赋予了更多的功能。如今，利用手机，我们不仅可以通话、发短信，还可以进行购物、缴费。这些借助手机延伸的功能性服务已经越来越贴近人们的生活。With the development of electronic banking business, the consumer payment tools of modern people are not limited to cash, but have expanded to bank cards, online banking, telephone banking and even mobile banking. With the increasing popularity of mobile phones, this modern communication tool has been endowed with more functions. Nowadays, with mobile phones, we can not only talk and send text messages, but also shop and pay bills. These functional services extended with the help of mobile phones have become closer to people's lives.
小额非接触手机支付的基本原理是利用手机终端或者用户身份识别模块(Subscriber Identity Module，简称SIM)卡的非接触界面与商户销售点终端(Point of Sales，简称POS)机之间的数据通信完成脱机交易，利用SIM卡的高安全性特征，实现加密算法及鉴权认证。该支付方式操作简单，实时性高、安全性好，可以随时随地进行交易，交易记录同步上传到服务器，方便用户查询。The basic principle of small non-contact mobile payment is to use the data communication between the mobile terminal or the contactless interface of the Subscriber Identity Module (SIM) card and the merchant's Point of Sales terminal (POS). Complete offline transactions, and use the high security features of the SIM card to implement encryption algorithms and authentication. This payment method is easy to operate, has high real-time performance and good security, and can conduct transactions anytime and anywhere, and the transaction records are uploaded to the server synchronously, which is convenient for users to inquire.
由于SIM卡内空间有限，其一般只能存储SIM卡钱包的最近几条消费记录。为了满足用户的需求，支付平台需要提供近期的详细消费记录以供用户进行查询。但是，现有的手机支付尚无将用户通过手机支付所产生的消费记录信息通过空中接口上传到支付平台，降低了查询的有效性。Due to the limited space in the SIM card, it generally can only store the last few consumption records of the SIM card wallet. In order to meet the needs of users, the payment platform needs to provide recent detailed consumption records for users to query. However, the existing mobile payment does not upload the consumption record information generated by the user through the mobile payment to the payment platform through the air interface, which reduces the effectiveness of the query.
发明内容Contents of the invention
本发明实施例提供一种消费记录信息的处理方法及系统，用以实现将用户通过手机支付所产生的消费记录信息通过空中接口上传到支付平台，以供用户进行详细地查询。The embodiment of the present invention provides a method and system for processing consumption record information, which is used to upload the consumption record information generated by the user through the mobile phone payment to the payment platform through the air interface, so that the user can query in detail.
本发明实施例提供了一种消费记录信息的处理方法，包括：An embodiment of the present invention provides a method for processing consumption record information, including:
手机向SIM卡发送触发命令，以触发所述SIM卡向所述手机返回状态字；The mobile phone sends a trigger command to the SIM card to trigger the SIM card to return the status word to the mobile phone;
所述手机根据所述状态字向所述SIM卡发送主动命令以获取消费记录信息；The mobile phone sends an active command to the SIM card according to the status word to obtain consumption record information;
所述手机向支付平台转发所获取的消费记录信息，并将所获取的所述支付平台对所述消费记录信息的处理结果信息向所述SIM卡转发。The mobile phone forwards the acquired consumption record information to the payment platform, and forwards the acquired processing result information of the payment platform to the consumption record information to the SIM card.
本发明实施例还提供了一种消费记录信息的处理系统，包括手机、SIM卡和支付平台；其中The embodiment of the present invention also provides a processing system for consumption record information, including a mobile phone, a SIM card and a payment platform; wherein
所述手机用于向所述SIM卡发送触发命令，以触发所述SIM卡向所述手机返回状态字，根据所述状态字向所述SIM卡发送主动命令以获取消费记录信息，向支付平台转发所获取的消费记录信息，并将所获取的所述支付平台对所述消费记录信息的处理结果信息向所述SIM卡转发；The mobile phone is used to send a trigger command to the SIM card to trigger the SIM card to return a status word to the mobile phone, send an active command to the SIM card according to the status word to obtain consumption record information, and send the payment platform Forwarding the acquired consumption record information, and forwarding the acquired processing result information of the payment platform to the consumption record information to the SIM card;
所述SIM卡用于根据所述手机发送的触发命令向所述手机返回状态字，以及根据所述手机发送的主动命令向所述手机发送消费记录信息，并接收所述手机转发的所述支付平台对所述消费记录信息的处理结果信息；The SIM card is used to return the status word to the mobile phone according to the trigger command sent by the mobile phone, send consumption record information to the mobile phone according to the active command sent by the mobile phone, and receive the payment forwarded by the mobile phone Information on the processing results of the consumption record information by the platform;
所述支付平台用于接收所述手机转发的消费记录信息，并存储所述消费记录信息，以及向所述手机返回对所述消费记录信息的处理结果信息。The payment platform is used to receive the consumption record information forwarded by the mobile phone, store the consumption record information, and return the processing result information of the consumption record information to the mobile phone.
由上述技术方案可知，本发明实施例通过手机将用户通过手机支付所产生的消费记录信息通过空中接口上传到支付平台，使得支付平台可以存储大量详细的消费记录信息，以供用户进行详细地查询，提高了查询的有效性。本发明实施例只需对现有的SIM卡软件和支付平台软件做一定的修改，成本较低，开发周期较短。It can be seen from the above technical solution that the embodiment of the present invention uploads the consumption record information generated by the user through the mobile phone payment to the payment platform through the air interface through the mobile phone, so that the payment platform can store a large amount of detailed consumption record information for the user to query in detail , which improves the effectiveness of the query. The embodiment of the present invention only needs to make certain modifications to the existing SIM card software and payment platform software, and the cost is low and the development period is short.
下面结合附图对本发明的具体实施例作进一步详细的说明。Specific embodiments of the present invention will be described in further detail below in conjunction with the accompanying drawings.
附图说明Description of drawings
图1为本发明消费记录信息的处理方法的第一实施例的流程示意图；FIG. 1 is a schematic flow chart of a first embodiment of a method for processing consumption record information of the present invention;
图2为本发明消费记录信息的处理方法的第二实施例的流程示意图；FIG. 2 is a schematic flowchart of a second embodiment of the method for processing consumption record information of the present invention;
图3为本发明消费记录信息的处理系统实施例的结构示意图。Fig. 3 is a schematic structural diagram of an embodiment of a system for processing consumption record information in the present invention.
具体实施方式Detailed ways
图1为本发明消费记录信息的处理方法的第一实施例的流程示意图，如图1所示，本实施例可以包括以下步骤：Fig. 1 is a schematic flow chart of the first embodiment of the method for processing consumption record information of the present invention. As shown in Fig. 1, this embodiment may include the following steps:
步骤101、手机向SIM卡发送触发命令，以触发SIM卡向手机返回状态字；
步骤102、手机根据状态字向SIM卡发送主动命令以获取消费记录信息；
步骤103、手机向支付平台转发所获取的消费记录信息，并将所获取的支付平台对消费记录信息的处理结果信息向SIM卡转发。
本实施例通过手机将SIM卡中的用户通过手机支付所产生的消费记录信息通过空中接口上传到支付平台，使得支付平台可以存储大量详细的消费记录信息，以供用户进行详细地查询，提高了查询的有效性。In this embodiment, the consumption record information generated by the user in the SIM card through the mobile phone payment is uploaded to the payment platform through the air interface through the mobile phone, so that the payment platform can store a large amount of detailed consumption record information for the user to query in detail, which improves the efficiency of the payment platform. Validity of the query.
图2为本发明消费记录信息的处理方法的第二实施例的流程示意图，如图2所示，本实施例可以包括以下步骤：Fig. 2 is a schematic flow chart of the second embodiment of the method for processing consumption record information of the present invention. As shown in Fig. 2, this embodiment may include the following steps:
步骤201、SIM卡对用户通过手机支付所产生的消费记录信息依照预设的数据结构进行打包后缓存；Step 201, the SIM card packs and caches the consumption record information generated by the user through the mobile phone payment according to the preset data structure;
步骤202、手机向SIM卡发送触发命令STATUS命令；
步骤203、SIM卡接收到STATUS命令后，向手机返回状态字91xx；
步骤204、手机根据上述状态字91xx中的xx字节向SIM卡发送主动式命令FETCH命令以获取消费记录信息；
步骤205、SIM卡接收到FETCH命令后，向手机返回所缓存的消费记录信息；
步骤206、手机以短消息的方式通过空中接口向支付平台转发所获取的消费记录信息；
步骤207、手机接收支付平台以短消息的方式返回的对上述消费记录信息的处理结果信息。
其中的处理结果信息可以是用于表示成功接收到短消息的消费记录信息传输成功的信息RP-ACK，还可以是用于表示未成功接收到短消息的消费记录信息传输失败的信息RP-ERROR；The processing result information may be the information RP-ACK used to indicate the successful transmission of the consumption record information of the short message successfully received, or the information RP-ERROR used to indicate the failure of the transmission of the consumption record information of the unsuccessfully received short message ;
步骤208、手机将所获取的处理结果信息通过TERMINAL RESPONSE命令向SIM卡转发。
本实施例中，用户在POS机上刷手机进行支付，如果支付不成功，用户可以重复执行该操作，直至支付成功。SIM卡提取交易过程中的消费记录信息依照预设的数据结构打包缓存，等待手机发送STATUS命令的触发。接收到STATUS命令后，SIM卡通过主动式命令将手机支付记录信息发送给手机，手机再将该信息转发给支付平台处理。手机接收网络侧返回的处理结果信息，并将其转发到SIM卡。In this embodiment, the user swipes the mobile phone on the POS machine to make payment. If the payment is unsuccessful, the user can repeat the operation until the payment is successful. The consumption record information in the SIM card extraction transaction process is packaged and cached according to the preset data structure, and waits for the trigger of the mobile phone to send the STATUS command. After receiving the STATUS command, the SIM card sends the mobile phone payment record information to the mobile phone through an active command, and the mobile phone forwards the information to the payment platform for processing. The mobile phone receives the processing result information returned by the network side and forwards it to the SIM card.
本实施例中，从网络收到RP-ACK或RP-ERROR短消息后，手机就发送含命令执行结果值的命令(指示短消息传输成功或失败)以通知SIM卡。若SIM卡提供α标识符，手机收到RP-ACK或RP-ERROR短消息后不给用户提供任何信息；若网络没有成功接收短消息，手机可以发送含“网络当前不能处理命令”结果值的TERMINAL RESPONSE命令以通知SIM卡。若SIM卡提供一空值α标识符，在网络接收不成功的情况下，手机不给用户提供任何信息。In this embodiment, after receiving the RP-ACK or RP-ERROR short message from the network, the mobile phone sends a command containing the command execution result value (indicating the success or failure of the short message transmission) to notify the SIM card. If the SIM card provides an α identifier, the mobile phone will not provide any information to the user after receiving the RP-ACK or RP-ERROR short message; if the network fails to receive the short message, the mobile phone can send a message containing the result value of "the network cannot currently process the command" TERMINAL RESPONSE command to inform the SIM. If the SIM card provides a null value α identifier, the mobile phone will not provide any information to the user if the network reception is unsuccessful.
图3为本发明消费记录信息的处理系统实施例的结构示意图，如图3所示，本实施例可以包括手机31、SIM卡32和支付平台33。其中，手机31用于向SIM卡32发送触发命令，以触发SIM卡32向手机31返回状态字，根据状态字向SIM卡32发送主动命令以获取消费记录信息，向支付平台33转发所获取的消费记录信息，并将所获取的支付平台33对消费记录信息的处理结果信息向SIM卡32转发；SIM卡32用于根据手机31发送的触发命令向手机31返回状态字，以及根据手机31发送的主动命令向手机31发送消费记录信息，并接收手机31转发的支付平台33对消费记录信息的处理结果信息；支付平台33用于接收手机31转发的消费记录信息，并存储上述消费记录信息，以及向手机31返回对上述消费记录信息的处理结果信息。FIG. 3 is a schematic structural diagram of an embodiment of a system for processing consumption record information of the present invention. As shown in FIG. 3 , this embodiment may include a mobile phone 31 , a SIM card 32 and a payment platform 33 . Among them, the mobile phone 31 is used to send a trigger command to the SIM card 32 to trigger the SIM card 32 to return the status word to the mobile phone 31, send an active command to the SIM card 32 according to the status word to obtain the consumption record information, and forward the acquired information to the payment platform 33. Consumption record information, and the acquired payment platform 33 forwards the processing result information of the consumption record information to the SIM card 32; the SIM card 32 is used to return the status word to the mobile phone 31 according to the trigger command sent by the mobile phone 31, and send The active command sends the consumption record information to the mobile phone 31, and receives the processing result information of the payment platform 33 forwarded by the mobile phone 31 to the consumption record information; the payment platform 33 is used to receive the consumption record information forwarded by the mobile phone 31, and store the above consumption record information, And return the processing result information to the above-mentioned consumption record information to the mobile phone 31.
本实施例可以适用于本发明消费记录信息的处理方法的上述两个实施例的流程。This embodiment can be applied to the processes of the above two embodiments of the method for processing consumption record information of the present invention.
本实施例通过手机将SIM卡中的用户通过手机支付所产生的消费记录信息通过空中接口上传到支付平台，使得支付平台可以存储大量详细的消费记录信息，以供用户进行详细地查询，提高了查询的有效性。In this embodiment, the consumption record information generated by the user in the SIM card through the mobile phone payment is uploaded to the payment platform through the air interface through the mobile phone, so that the payment platform can store a large amount of detailed consumption record information for the user to query in detail, which improves the efficiency of the payment platform. Validity of the query.
本领域普通技术人员可以理解：实现上述方法实施例的全部或部分步骤可以通过程序指令相关的硬件来完成，前述的程序可以存储于一计算机可读取存储介质中，该程序在执行时，执行包括上述方法实施例的步骤；而前述的存储介质包括：ROM、RAM、磁碟或者光盘等各种可以存储程序代码的介质。Those of ordinary skill in the art can understand that all or part of the steps for realizing the above-mentioned method embodiments can be completed by hardware related to program instructions, and the aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the It includes the steps of the above method embodiments; and the aforementioned storage medium includes: ROM, RAM, magnetic disk or optical disk and other various media that can store program codes.
最后应说明的是：以上实施例仅用以说明本发明的技术方案，而非对其限制；尽管参照前述实施例对本发明进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本发明各实施例技术方案的精神和范围。Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit them; although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that: it can still be Modifications are made to the technical solutions described in the foregoing embodiments, or equivalent replacements are made to some of the technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the various embodiments of the present invention.
Claims (8)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2008101197219ACN101354802B (en) | 2008-09-05 | 2008-09-05 | Method and system for processing consumption recording information |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2008101197219ACN101354802B (en) | 2008-09-05 | 2008-09-05 | Method and system for processing consumption recording information |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101354802Atrue CN101354802A (en) | 2009-01-28 |
| CN101354802B CN101354802B (en) | 2010-12-22 |
Family
ID=40307601
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2008101197219AActiveCN101354802B (en) | 2008-09-05 | 2008-09-05 | Method and system for processing consumption recording information |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101354802B (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102685313A (en)* | 2011-03-18 | 2012-09-19 | 中兴通讯股份有限公司 | Inquiry method of payment information of mobile terminal and mobile terminal |
| CN101841805B (en)* | 2009-03-18 | 2012-12-12 | 中国移动通信集团公司 | Card writing operation processing and synchronizing method of electronic card and relevant equipment |
| CN104184699A (en)* | 2013-05-21 | 2014-12-03 | 中国银联股份有限公司 | Security information interaction system, equipment and method thereof |
| CN105488668A (en)* | 2014-09-16 | 2016-04-13 | 中国移动通信集团辽宁有限公司沈阳分公司 | Method and system for uploading off-line transaction information of SIM card payment application in real time |
| CN108628781A (en)* | 2018-05-14 | 2018-10-09 | 星汉智能科技股份有限公司 | Smart card proactive command sending method, device, smart card and terminal device |
- 2008
- 2008-09-05CNCN2008101197219Apatent/CN101354802B/enactiveActive
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101841805B (en)* | 2009-03-18 | 2012-12-12 | 中国移动通信集团公司 | Card writing operation processing and synchronizing method of electronic card and relevant equipment |
| CN102685313A (en)* | 2011-03-18 | 2012-09-19 | 中兴通讯股份有限公司 | Inquiry method of payment information of mobile terminal and mobile terminal |
| CN104184699A (en)* | 2013-05-21 | 2014-12-03 | 中国银联股份有限公司 | Security information interaction system, equipment and method thereof |
| CN104184699B (en)* | 2013-05-21 | 2018-06-22 | 中国银联股份有限公司 | Security information interaction system, device and method |
| CN105488668A (en)* | 2014-09-16 | 2016-04-13 | 中国移动通信集团辽宁有限公司沈阳分公司 | Method and system for uploading off-line transaction information of SIM card payment application in real time |
| CN108628781A (en)* | 2018-05-14 | 2018-10-09 | 星汉智能科技股份有限公司 | Smart card proactive command sending method, device, smart card and terminal device |
| CN108628781B (en)* | 2018-05-14 | 2019-03-26 | 星汉智能科技股份有限公司 | Smart card proactive command sending method, device, smart card and terminal device |
Also Published As
| Publication number | Publication date |
|---|---|
| CN101354802B (en) | 2010-12-22 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US8918334B2 (en) | Camera as a vehicle to identify a merchant access device | |
| US9390407B2 (en) | Method and apparatus for providing real time mutable credit card information and for providing timestamp functionality | |
| US9189783B2 (en) | Wireless mobile transaction system and the procedure for carrying out transactions with a mobile phone | |
| CN101567109B (en) | Device integrating payment and gathering functions, system and trade method | |
| CN101582187B (en) | Sending method for electronic certificate and point-of-sale terminal equipment | |
| CN101329800B (en) | Method for processing mobile phones POS consumptive data and mobile phones POS consumption system | |
| AU2020200743B2 (en) | Real time EFT network-based person-to-person transactions | |
| WO2003046777B1 (en) | Portable messaging device adapted to perform financial transactions | |
| CN102378988A (en) | System and method of conducting transactions using a wireless device | |
| WO2011134259A1 (en) | Method and system for transmitting electronic certificate, point of sale machine and near field communication terminal based on near field communication | |
| CN102346941A (en) | Financial transaction detection and prompting system and implementation method thereof | |
| CN103577983A (en) | Load method of electronic currency for off-line consumption | |
| EP3424230B1 (en) | Mid-range reader interactions | |
| CN101354802A (en) | Method and system for processing consumption record information | |
| US20220398565A1 (en) | Type 4 nfc tags as protocol interface | |
| WO2014146566A1 (en) | Negotiation working mode method, device, and system | |
| CN103220408A (en) | A method for exchanging business cards based on a mobile phone with a near-field communication module | |
| CN102982449A (en) | Mobile terminal and transaction system and method | |
| CN103685145B (en) | Security information interaction system, device and method | |
| CN101431561A (en) | Account locking method, system and correlated apparatus | |
| CN103177364A (en) | Transaction processing method based on electronic signature | |
| CN105488668B (en) | Method and system for reporting offline transaction information of SIM card payment application in real time | |
| TWM649170U (en) | transaction processing system | |
| TWM633757U (en) | Credit card limit processing system | |
| KR20100103759A (en) | System for providing card settlement using usim characteristics information |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| ASS | Succession or assignment of patent right | Owner name:CHINA UNITED NETWORK TELECOMMUNICATION GROUP CO., Free format text:FORMER OWNER: UNICOM BROADBAND SERVICES APPLICATION NATIONAL ENGINEERING LABORATORY CO., LTD. Effective date:20141125 | |
| C41 | Transfer of patent application or patent right or utility model | ||
| C56 | Change in the name or address of the patentee | Owner name:UNICOM BROADBAND SERVICES APPLICATION NATIONAL ENG Free format text:FORMER NAME: CHINA NET COMMUNICATION GROUP WIDEBAND APPLIANCE STATE ENGINEERING LAB CO., LTD. | |
| CP03 | Change of name, title or address | Address after:100033 Beijing Finance Street, No. 21, Xicheng District Patentee after:UNICOM BROADBAND SERVICES APPLIC NAT ENGINEERING LAB Co.,Ltd. Address before:100176 No. 1 Zhonghe street, Yizhuang economic and Technological Development Zone, Beijing Patentee before:CNC Broadband Business Applications National Engineering Laboratory Co.,Ltd. | |
| TR01 | Transfer of patent right | Effective date of registration:20141125 Address after:100033 Beijing Finance Street, No. 21, Xicheng District Patentee after:CHINA UNITED NETWORK COMMUNICATIONS GROUP Co.,Ltd. Address before:100033 Beijing Finance Street, No. 21, Xicheng District Patentee before:UNICOM BROADBAND SERVICES APPLIC NAT ENGINEERING LAB Co.,Ltd. |