CN106127462A - Method of mobile payment under the line of prepaid card account carrier - Google Patents
Method of mobile payment under the line of prepaid card account carrier Download PDFInfo
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- CN106127462A CN106127462A CN201610444155.3A CN201610444155A CN106127462A CN 106127462 A CN106127462 A CN 106127462A CN 201610444155 A CN201610444155 A CN 201610444155A CN 106127462 A CN106127462 A CN 106127462A
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- 239000000969 carrier Substances 0.000 claims description 9
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- 238000004891 communication Methods 0.000 description 3
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- 230000001965 increasing effect Effects 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
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Abstract
The invention discloses a kind of method of mobile payment under the line of prepaid card account carrier, when paying under line using prepaid card account carrier to carry out, whether prepaid card payment platform can be prejudged this prepaid card account balance and be sufficient for this time tying and pay, pay if it is not, Third-party payment platform then can be asked further to carry out knot；By that analogy, the situation that Third-party payment account balance is not enough met by Third-party payment platform, credit card issuer payment platform (i.e. bank) can be asked equally further this time to tie and pay.The technical scheme provided by the present invention, pay even if prepaid card account balance is not enough to knot, Third-party payment platform can also be continued through and bank carries out knot and pays, the knot realizing off-line transaction by payment platforms multiple on line is paid, i.e. fill i.e. use, improve the payment success rate of off-line transaction and user and to the use wish of prepaid card account carrier and use frequency.
Description
Technical Field
The invention belongs to the field of mobile payment, and particularly relates to an offline mobile payment method for a prepaid card account carrier.
Background
Prepaid cards, which are issued by prepaid card issuers in a specific carrier and format, can be used outside of the prepaid card issuer to purchase goods or services. The prepaid card is used in such a way that a consumer prestores a certain amount of money in the prepaid card, and in the case that a merchant supporting payment of the prepaid card conducts a transaction without cash, one or more shopping actions can be implemented within the prepaid amount of money by only the prepaid card.
The popularization and use of the prepaid card have the following advantages for the merchant: 1. the safety is enhanced. The consumer uses the prepaid card, the merchant does not need to hand cash, the circulation of the cash is reduced, the loss caused by receiving counterfeit money can be avoided, and the risks of robbery and the like can be reduced; 2. the profit is increased. The method increases the earning channels of the merchants by using the prepaid cards and increasing the payment means, and the consumers have strong consumption desire when shopping by using the prepaid cards, so that the merchants can realize sales increase; 3. the efficiency is improved, and the cost is reduced. By using the prepaid card, the cash collection and the account balance are greatly reduced, so that the efficiency can be improved, and the expenses of manpower and equipment can be reduced; 4. can stabilize the source of the guest. After the customer prestores cash in a store of a certain system and obtains a prepaid card, the customer can be handed off with stores of other systems within a certain time to become a stable customer of the store of the system; 5. the infrequent or obsolete use of the prepaid card can result in a stable deposit of funds for the issuer of the prepaid card.
There are also many benefits to consumers using prepaid cards in that: 1. the threshold for the user to obtain the prepaid card is lower than that for obtaining the credit card and the bank card; 2. when the prepaid card is acquired, if the semi-real-name authentication is used, the trouble that a user opens the card in a business hall can be avoided, and the procedure is relatively simple; 3. the prepaid card is generally consumed in small amount, the prepaid balance is limited, and in case of loss and theft, the loss is small and the risk is controllable; 4. the prepaid card can be taken without or with less cash, so that the risk of theft is reduced, and the safety is enhanced; 5. the prepaid card is easy to carry, can display balance after shopping, can not fall into a pocket for change, and is more convenient to use; 6. when a consumer purchases a prepaid card for payment, the card issuing organization sometimes gives a certain discount (for example, nine folds) for charging, so that the consumption desire of the consumer is enhanced, and the preference is better.
Although the prepaid card has the advantages, there are some disadvantages, such as that when the consumer uses the prepaid card to consume, if the balance of the account of the prepaid card is not enough to pay the current consumption amount, the transaction of payment by the prepaid card is blocked, and other payment means are used instead. Because the consumer cannot recharge the prepaid card in time/real time under the condition of insufficient account balance of the prepaid card, the enthusiasm of the consumer for consuming the prepaid card is weakened, and the prepaid card is inconvenient to popularize and use as a preferred payment means.
Disclosure of Invention
The technical problem to be solved by the invention is to provide an offline mobile payment method for a prepaid card account carrier, wherein when the offline payment is carried out by using the prepaid card account carrier, a prepaid card payment platform judges whether the balance of the prepaid card account is enough to carry out the payment, and if not, the prepaid card payment platform further requests a third party payment platform to carry out the payment; in this way, when the third party payment platform meets the situation that the balance of the third party payment account is insufficient, the third party payment platform further requests the issuing bank payment platform (namely the bank) to carry out the payment. By means of the technical scheme provided by the invention, even if the balance of the account of the prepaid card is not enough to be paid, the balance can be continuously paid through the third-party payment platform and the bank, and the payment of offline transaction, namely charging and using, is realized through a plurality of online payment platforms, so that the payment success rate of the offline transaction, and the use willingness and the use frequency of a user on the account carrier of the prepaid card are improved.
In order to solve the technical problems, the invention adopts the following technical scheme:
an offline mobile payment method for prepaid card account carriers, comprising the steps of:
s10, the prepaid card account carrier transmits the payment message to the POS terminal;
s20, the POS terminal sends the received payment message to a prepaid card payment platform through a POS operator; wherein,
s201, judging whether the balance of the account of the prepaid card is enough to carry out the payment by the prepaid card payment platform,
if the quantity is sufficient, payment settlement is carried out, and a settlement message is returned to the POS terminal through the POS operator;
if the third party payment balance is not enough, the prepaid card payment platform sends a third party payment settlement request to a third party payment platform with the bill receiving qualification; further, in the above-mentioned case,
s202, the third party payment platform receives the third party payment ending request and judges whether the balance of the third party payment account bound to the prepaid card account is enough to carry out the payment ending,
if the quantity is sufficient, payment settlement is carried out, and a settlement message is returned to the POS terminal through the prepaid card payment platform and the POS operator;
if the payment is not enough, the third-party payment platform sends a bank payment request to an issuer payment platform which establishes a quick payment binding relationship with the third-party payment platform; further, in the above-mentioned case,
s203, the card issuing bank payment platform receives the bank payment ending request and judges whether the balance of the bank card account bound to the third party payment account is enough to carry out the payment ending,
if the quantity is sufficient, payment settlement is carried out, and a settlement message is returned to the POS terminal through a third party payment platform, a prepaid card payment platform and a POS operator;
if not, the transaction is rejected.
In a preferred embodiment, the prepaid card account carrier is a prepaid card of an entity.
In a preferred embodiment, the prepaid card account carrier is a prepaid card payment device.
In a preferred embodiment, the prepaid card payment device is a wearable device.
In a preferred embodiment, the prepaid card payment platform and the POS operator transmit payment messages and payment settlement messages through the unionpay payment platform.
In a preferred embodiment, the prepaid card payment device comprises a control module, a financial card module and a transmitting antenna, wherein the financial card module generates a payment message for payment according to the stored prepaid card account information and transmits the payment message to the POS terminal through the transmitting antenna.
In a preferred embodiment, the prepaid card account information includes payment indicia.
In a preferred embodiment, the prepaid card account information includes prepaid card number information and prepaid card expiration date information.
In a preferred embodiment, the transmitting antenna comprises a magnetic pulse transmitting antenna.
In a preferred embodiment, the transmitting antenna comprises an NFC antenna.
The invention has the following beneficial effects:
1. the method and the device adopt a plurality of online payment platforms to carry out real-time payment, even if the balance of the account of the prepaid card is insufficient, the payment of offline transaction of the account carrier of the prepaid card can be carried out through a third party payment platform and an issuing bank payment platform (bank), compared with the traditional prepaid card transaction which only adopts the balance of the account of the prepaid card to carry out payment, the method and the device can greatly improve the success rate of payment.
2. The traditional instant charging and instant using method can throw away the prepaid card after the prepaid card is charged for the first time (generally, other people substitute), but according to the technical scheme provided by the embodiment of the invention, the prepaid card carrier does not need to be charged in advance, and only needs to be bound with a third party payment account and a bank account, so that a payment means which is frequently used by consumers, such as a credit card or a bank card, is formed.
3. The embodiment of the invention can adopt a prepaid card payment device to send the payment message to the POS terminal by a NFC (magnetic Near Field Communication)/NFC (Near Field Communication) Near Field payment means, and a user can use the prepaid card payment device to pay at all POS terminals on the market, thereby ensuring the full coverage of an online lower payment scene.
4. The payment method provided by the embodiment of the invention can simultaneously relate to a prepaid card payment platform, a third party payment platform and a bank, and the current mainstream payment platforms are associated to realize information transfer among a plurality of payment platforms and mutual benefits and benefits.
Drawings
FIG. 1 is a flow chart of an offline mobile payment method for prepaid card account carriers according to an embodiment of the present invention;
fig. 2 is a schematic diagram of main blocks of a prepaid card payment device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, an embodiment of the present invention provides an offline mobile payment method for prepaid card account carriers, which mainly includes the following steps:
s10, the prepaid card account carrier 100 transmits a payment message to the POS terminal 101;
s20, the POS terminal 101 sends the received payment message to a prepaid card payment platform 104 through the POS operator 102; wherein,
s201, judging whether the balance of the account of the prepaid card is enough to perform the payment settlement or not by the prepaid card payment platform 104, if so, performing the payment settlement and returning a settlement message to the POS terminal 101 through the POS operator 102; if the number of the third party accounts is not enough, the prepaid card payment platform 104 sends a third party payment settlement request to a third party payment platform 105 with the income qualification; further, in the above-mentioned case,
s202, the third party payment platform 105 receives a third party payment settlement request and judges whether the balance of a third party payment account bound to a prepaid card account is enough to perform the payment settlement, if so, the payment settlement is performed, and a payment settlement message is returned to the POS terminal 101 through the prepaid card payment platform 104 and the POS operator 102; if the payment is not enough, the third-party payment platform 105 sends a bank payment request to an issuer payment platform 106 which establishes a quick payment binding relationship with the third-party payment platform; further, in the above-mentioned case,
s203, the issuer payment platform 106 receives the bank payment settlement request and judges whether the balance of the bank card account bound to the third party payment account is enough to perform the settlement, if so, the payment settlement is performed and a payment settlement message is returned to the POS terminal 101 through the third party payment platform 105, the prepaid card payment platform 104 and the POS operator 102; if not, the transaction is rejected.
In the embodiment of the present invention, when a customer uses the prepaid card account carrier 100 to pay by swiping or inserting a card at the POS terminal 101 of a merchant, the POS terminal 101 obtains a payment message and forwards the payment message to the prepaid card payment platform 104 through the POS operator 102. If the prepaid card account carrier used by the consumer is an entity prepaid card, the prepaid card payment platform can directly find the corresponding prepaid card account according to the received payment message. If the prepaid card account carrier used by the consumer at the moment is a prepaid card payment device, there are two situations: 1. when the payment message sent by the prepaid card payment device contains direct information such as the number of the prepaid card and the like, the prepaid card payment platform can directly find the corresponding prepaid card account according to the received payment message; 2. when the payment message sent by the prepaid card payment device is a dynamic payment message generated according to an algorithm, a secret key, and a payment tag (or a prepaid card number) set by a TSP (Token service provider) server of a prepaid card payment platform, after the prepaid card payment platform 104 receives the payment message, it first identifies that TSP analysis is required through a card BIN (bank identity number), and then analyzes and verifies the payment message sent by the POS operator 102 through the TSP server to find out a prepaid card account corresponding to the payment message, that is, analyzes and maps the payment message to primary account number information (PAN, prepaid account number).
Further, after finding the corresponding prepaid card account, the prepaid card payment platform judges whether the balance of the prepaid card account is enough to carry out payment, if so, directly carrying out payment from the prepaid card account, returning a payment message to the POS terminal 101 through the POS operator 102, outputting bill information by the POS terminal 101 and printing a payment receipt, thereby realizing real-time payment of the prepaid card payment platform 104; if not, prepaid card payment platform 104 may find a third party payment account bound to the prepaid card account and send a third party payment settlement request to third party payment platform 105.
After receiving the third party payment settlement request sent by the prepaid card payment platform 104, the third party payment platform 105 firstly analyzes and verifies the third party payment settlement request to find out a corresponding third party payment account, judges whether the balance of the prepaid card account is settled or not, if so, settles payment from the third party payment account, returns a payment settlement message to the POS terminal 101 through the prepaid card payment platform 104 and the POS operator 102, and outputs bill information by the POS terminal 101; if the third party payment account is not enough, the third party payment platform finds the bank card account bound to the third party payment account and continues to send the bank payment ending request to the issuer payment platform 106 so as to request the issuer payment platform 106 to carry out payment ending. Before the technical scheme provided by the invention is implemented to carry out payment, a user needs to bind the account of the prepaid card with the third party payment account of the user, so that after receiving the third party payment closing request sent by the prepaid card payment platform 104, the third party payment platform 105 can find the third party payment account corresponding to the prepaid card account instantly after analyzing the third party payment closing request, and judge whether the balance of the prepaid card account is closed or not.
After receiving the bank payment settlement request sent by the third-party payment platform 105, the issuer payment platform 106 firstly analyzes and verifies the bank payment settlement request to find out a corresponding bank card account, judges whether the balance of the bank card account is enough for the settlement, if so, performs the settlement from the bank card account, and returns a settlement message to the POS terminal 101 through the third-party payment platform 105, the prepaid card payment platform 104 and the POS operator 102 in sequence, and the POS terminal 101 outputs bill information; if the transaction is not enough, the issuer payment platform 106 directly rejects the transaction request, and returns information such as transaction failure information or insufficient balance to the POS terminal 101 through the third party payment platform 105, the prepaid card payment platform 104 and the POS operator 102 in sequence, and the POS terminal 101 outputs the payment failure information. Before the technical scheme provided by the invention is implemented to carry out payment, the user needs to bind the bank card account of the user with the third party account, and the quick payment can be carried out through the bank card account. After receiving the third party payment settlement request sent by the third party payment platform 105, the issuer payment platform 106 resolves the third party payment settlement request, then instantly finds out the bank card account having a quick payment relationship with the third party account, and judges whether the balance of the prepaid card account is paid for the settlement.
In an alternative embodiment of the present invention, if the payment request or the payment settlement request is not verified through the prepaid card payment platform 104, the third party payment platform 105 or the issuer payment platform 106 may directly generate information such as transaction failure or transaction rejection, and return the information to the POS terminal 101 through the prepaid card payment platform 104.
The prepaid card issuer (under the same authority flag as the prepaid card payment platform) enters prepaid card account information (including, for example, card number information and amount information earmarked in advance in the card) into the prepaid card payment platform 104 before issuing the prepaid card. In addition, before implementing the payment process, the user needs to bind between the prepaid card account and a third party payment account (e.g., a third party payment account such as a baibao, a fiscal payment, a telecom wing payment, a joint wow payment, etc.), between the third party payment account and a bank card account (e.g., a bank account such as a construction bank, a business bank, a chinese bank, a money carrier bank, etc.) to associate the prepaid card account with the third party payment account, and between the third party payment account and the bank card account. Optionally, one third party payment account may be bound to multiple prepaid card accounts or bank card accounts at the same time; or one prepaid card account is bound to a plurality of third party payment accounts, and corresponding use priority is set; or, and so on. To simplify the login and authentication procedure, it is preferable that the third party payment account and the prepaid card account can be set with the same password while facilitating the memory of the consumer.
In the present invention, referring to fig. 1, in another embodiment, a payment message and a payment balance message are transmitted between the prepaid card payment platform 104 and the POS operator 102 through the unipay payment platform 103, the POS operator 102 sends the payment message to the prepaid card payment platform 104 through the unipay payment platform 103, and the prepaid card payment platform 104 returns the payment balance message or information of transaction failure and the like to the POS terminal 101 through the POS operator 102 through the unipay payment platform 103. The invention realizes cross-bank/institution transaction clearing by accessing the Unionpay payment platform, can realize interconnection and intercommunication and resource sharing between the prepaid card payment platform 104 and other financial institution payment platform systems, and ensures the use of prepaid cards in cross-bank, cross-region and cross-border.
In an alternative embodiment of the present invention, the prepaid card account carrier 100 is a physical prepaid card, that is, the prepaid card may be a physical prepaid card having a magnetic stripe and/or a chip, and the payment message transmitted from the prepaid card account carrier 100 is received by swiping/inserting the card at the POS terminal. At this time, the payment message is a static two-track payment message or an IC payment message.
In another alternative embodiment of the present invention, the above-described prepaid card account carrier 100 is a prepaid card payment device including multiple electronic components. The prepaid card payment apparatus may receive a control signal of an external mobile terminal to generate and transmit a payment message to the POS terminal 101, or may directly generate and transmit a payment message to the POS terminal 101 by itself without the aid of an external device. Referring to fig. 2 (an exemplary schematic diagram), the prepaid card payment apparatus includes a financial card module 10, a control module 11, and a transmitting antenna, and the financial card module 10 generates a payment message for payment from the stored prepaid card account information and transmits the payment message to the POS terminal 101 via the transmitting antenna. When a customer uses the prepaid card payment device to simulate 'card swiping' consumption, the financial card module 10 may generate a payment message for payment according to the prepaid card account information stored therein and transmit the payment message to the POS terminal 101 through the transmitting antenna.
Further, the transmitting antenna may be the magnetic pulse transmitting antenna 12. The magnetic pulse transmitting antenna 12 transmits a payment message (in the form of a magnetic pulse signal) to the POS terminal 101 in the form of nfc communication. Specifically, after the financial card module 10 generates the payment message, the payment message may be sent to the control module 11 of the prepaid card payment device, the payment message is sent to the magnetic pulse transmitting antenna 12 through the control module 11, and the payment message is sent to the inductive magnetic head of the POS terminal 101 through the magnetic pulse transmitting antenna 12 in the form of a magnetic pulse signal. In another alternative embodiment, the transmitting antenna may be an NFC antenna 13, and the NFC antenna 13 transmits the payment message to the POS terminal 101 in an NFC non-contact manner. Specifically, after the financial card module 10 generates the payment message, the payment message may be directly sent to the POS terminal 101 supporting the NFC flash payment function through the NFC antenna 13.
When the magnetic pulse transmitting antenna is used as the transmitting antenna of the prepaid card payment device, the magnetic pulse transmitting antenna can transmit a payment message in the form of a magnetic pulse signal to the POS terminal 101, the POS terminal 101 decodes the received payment message in the form of the magnetic pulse signal and then transmits the decoded payment message to the POS operator 102 (or called a receipt platform), the POS operator 102 performs verification on the payment message and then transmits the verification message to the Unionpay platform 103, the Unionpay platform 103 continuously verifies the payment message and then transmits the verification message to the prepaid card payment platform 104, the prepaid card payment platform 104 verifies two magnetic channel data and judges whether the balance of an account of the prepaid card is enough for the payment, if so, the payment is finished and the payment finished message is returned to the POS terminal 101 through the POS operator 102; if not, the following steps S202 and S203 are continued (if necessary) until the transaction is successful or the transaction fails.
In an alternative embodiment, the financial card module 10 has a secure element (i.e., SE chip) in which prepaid card account information is stored, the control module 11 sends a payment request including a payment message generation instruction to the financial card module 10, and the financial card module 10 receives the payment request and generates a payment message for payment according to the prepaid card account information.
In an alternative embodiment, the prepaid card account information includes prepaid card number information and prepaid card expiration information.
In another embodiment, the prepaid card account information includes a payment token (or prepaid card number) and a secret key. The financial card module 10 generates a payment message according to the payment token and the secret key. The payment message is a dynamic payment message generated according to an algorithm, a secret key and a payment mark (or a prepaid card number) set by a TSP (short message service) of the prepaid card payment platform. Wherein, the payment sign stored in the financial card module can be generated by the unionpay payment platform 103 or the prepaid card payment platform 104.
For convenience of use and enhanced security, the financial card payment device is a wearable device. Of course, it will be understood by those skilled in the art that the financial card payment device may be provided in other hardware or in a form of a bio-embedded chip.
It is to be understood that the exemplary embodiments described herein are illustrative and not restrictive. Although one or more embodiments of the present invention have been described with reference to the accompanying drawings, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention as defined by the following claims.
Claims (10)
1. An offline mobile payment method for prepaid card account carriers, comprising the steps of:
s10, the prepaid card account carrier transmits the payment message to the POS terminal;
s20, the POS terminal sends the received payment message to a prepaid card payment platform through a POS operator; wherein,
s201, judging whether the balance of the account of the prepaid card is enough to carry out the payment by the prepaid card payment platform,
if the quantity is sufficient, payment settlement is carried out, and a settlement message is returned to the POS terminal through the POS operator;
if the third party payment balance is not enough, the prepaid card payment platform sends a third party payment settlement request to a third party payment platform with the bill receiving qualification; further, in the above-mentioned case,
s202, the third party payment platform receives the third party payment ending request and judges whether the balance of the third party payment account bound to the prepaid card account is enough to carry out the payment ending,
if the quantity is sufficient, payment settlement is carried out, and a settlement message is returned to the POS terminal through the prepaid card payment platform and the POS operator;
if the payment is not enough, the third-party payment platform sends a bank payment request to an issuer payment platform which establishes a quick payment binding relationship with the third-party payment platform; further, in the above-mentioned case,
s203, the card issuing bank payment platform receives the bank payment ending request and judges whether the balance of the bank card account bound to the third party payment account is enough to carry out the payment ending,
if the quantity is sufficient, payment settlement is carried out, and a settlement message is returned to the POS terminal through a third party payment platform, a prepaid card payment platform and a POS operator;
if not, the transaction is rejected.
2. An offline mobile payment method for a prepaid card account carrier according to claim 1, characterized in that said prepaid card account carrier is a physical prepaid card.
3. Method for offline mobile payment of prepaid card account carriers according to claim 1, characterised in that said prepaid card account carriers are prepaid card payment means.
4. An offline mobile payment method for a prepaid card account carrier according to claim 3, characterized in that said prepaid card payment device is a wearable device.
5. Method for offline mobile payment for prepaid card account carriers according to any of claims 1 to 4, characterised in that the transfer of payment messages, payment closing messages, is performed between the prepaid card payment platform and the POS operator through the Unionpay platform.
6. An offline mobile payment method for a prepaid card account carrier according to claim 3 or 4, characterized in that said prepaid card payment means comprise a control module, a financial card module and a transmitting antenna, said financial card module generating a payment message for payment from the stored prepaid card account information and transmitting the payment message to the POS terminal via the transmitting antenna.
7. An offline mobile payment method for a prepaid card account carrier according to claim 6, wherein said prepaid card account information includes payment indicia.
8. An offline mobile payment method for a prepaid card account carrier according to claim 6, wherein said prepaid card account information comprises prepaid card number information and prepaid card expiration date information.
9. An offline mobile payment method for prepaid card account carriers according to claim 6, wherein said transmitting antenna comprises a magnetic pulse transmitting antenna.
10. An offline mobile payment method for prepaid card account carriers according to claim 6, wherein said transmitting antenna comprises an NFC antenna.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610444155.3A CN106127462A (en) | 2016-06-20 | 2016-06-20 | Method of mobile payment under the line of prepaid card account carrier |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610444155.3A CN106127462A (en) | 2016-06-20 | 2016-06-20 | Method of mobile payment under the line of prepaid card account carrier |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106127462A true CN106127462A (en) | 2016-11-16 |
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| CN201610444155.3A Pending CN106127462A (en) | 2016-06-20 | 2016-06-20 | Method of mobile payment under the line of prepaid card account carrier |
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| CN107808287A (en) * | 2017-11-21 | 2018-03-16 | 艾体威尔电子技术(北京)有限公司 | A kind of aggregate payment system |
| CN108717652A (en) * | 2018-03-30 | 2018-10-30 | 北京三快在线科技有限公司 | Order processing system and method, order placement service end, the second client |
| CN109118369A (en) * | 2018-08-18 | 2019-01-01 | 柳州市嘉乐投资有限公司 | A kind of internet socialization investment system |
| CN110956469A (en) * | 2019-11-21 | 2020-04-03 | 北京三快在线科技有限公司 | Payment method, device, equipment and storage medium |
| CN112714921A (en) * | 2018-09-18 | 2021-04-27 | 比邻系统株式会社 | Real-time recharge payment system, real-time recharge payment device, real-time recharge payment method, and real-time recharge payment program |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107808287A (en) * | 2017-11-21 | 2018-03-16 | 艾体威尔电子技术(北京)有限公司 | A kind of aggregate payment system |
| CN108717652A (en) * | 2018-03-30 | 2018-10-30 | 北京三快在线科技有限公司 | Order processing system and method, order placement service end, the second client |
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| CN112714921A (en) * | 2018-09-18 | 2021-04-27 | 比邻系统株式会社 | Real-time recharge payment system, real-time recharge payment device, real-time recharge payment method, and real-time recharge payment program |
| CN110956469A (en) * | 2019-11-21 | 2020-04-03 | 北京三快在线科技有限公司 | Payment method, device, equipment and storage medium |
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