CN102892096B - System, method, business operation support system (BOSS) and equipment for realizing account recharge - Google Patents

Abstract

The invention discloses a system and method for realizing account recharging, which is used to solve the problem that the mutual recharging between an agent's payment background account and a user's payment service account cannot be realized by using the prior art. The system includes: POS service platform, receiving POS identification, recharge amount information, recharge type information, and user card identification; determining the user identification corresponding to the user card identification, and the agent identification corresponding to the POS identification; receiving the recharge amount information, recharge type information And the user ID and agent ID are sent to BOSS; BOSS determines the user payment background account and the agent payment background account; sends the recharge type information, recharge amount information, user payment background account, and agent payment background account to the central payment platform; The central payment platform adjusts the amount information of the user's payment background account and the agent's payment background account. The invention also discloses a business operation support system and POS service platform equipment.

Description

System, method, business operation support system and equipment for realizing account recharge

technical field

The present invention relates to the field of communication technology, in particular to a system and method for realizing account recharge, a business operation support system and equipment.

Background technique

With the development of mobile communication technology, mobile payment services such as mobile wallet services are becoming more and more popular. Among them, taking the mobile wallet service as an example, it is a small-amount electronic wallet service based on radio frequency identification technology (RFID, Radio Frequency IDentification) developed by mobile network operators. After the user opens the mobile phone wallet service, he can change a mobile phone wallet card in the business hall of the mobile network operator (generally, the mobile phone wallet card here can be but not limited to a special SIM card supporting RFID function, an ordinary integrated circuit card (IC card, Integrated Circuit Card), patch card, etc.). Thereafter, the user can use the terminal (such as a mobile phone) installed with the special SIM card to swipe the card (swipe the phone) on-site at merchants (such as convenience stores, shopping malls, supermarkets, and buses) that have POS (Point Of Sale). )Consumption.

Users who open the mobile wallet business will have a local account for the mobile wallet card. When using the local account of the mobile wallet card, a certain amount of money needs to be charged into the local account of the mobile wallet card in advance, and then operations such as purchasing items can be carried out by "swiping the machine" similar to using a POS to swipe a bus card. Similarly, when a user opens other mobile payment services other than the mobile wallet service, he will also have one or more accounts accordingly, and these accounts can be collectively referred to as user payment service accounts. Generally, user payment service accounts include card local accounts (for example, mobile wallet card local accounts and local accounts generated by opening other mobile payment services can be regarded as card local accounts) and user payment background accounts.

The user payment service account of the user is different from the call account of the user. In the prior art, there is a very mature system that supports recharging a user's call account. Take the process of recharging a conversation fee account by a user through an agent as an example. This process is based on a very mature system consisting of users, agents, and a business operation support system (BOSS, Business & Operation Support System). The specific implementation schematic diagram is shown in Figure 1, including the following steps:

Step 11, the user pays the call fee at the agency;

Step 12, the agent initiates an air recharge request to the BOSS through an interactive voice response (IVR, Interactive Voice Response)/short message, and the air recharge request includes the user's mobile phone number, the agent's mobile phone number, the recharge amount, etc.;

Step 13: After receiving the air recharge request, BOSS deducts the amount corresponding to the recharge amount from the agent's phone bill account according to the agent's mobile phone number and recharge amount, and pays the user's phone bill according to the user's mobile phone number and recharge amount. The account is charged with the amount corresponding to the recharge amount;

Step 14, BOSS returns a successful recharge response to the agent through IVR/SMS;

In step 15, after receiving the recharge success response, the agent prompts the user that the recharge is successful, and the process ends.

The above steps are the process of recharging the user's phone bill account through the agent. However, for the user's payment service account, since the agent cannot know the corresponding relationship between the special SIM card used by the user and the user's payment service account, and the BOSS only knows the agent's phone bill account but not the agent's payment background account, therefore, the above steps It is not applicable to the scenario where the agent uses the agent's payment background account to recharge the user's user payment business account. For the same reason, the above steps are also not applicable to the scenario where the user's user payment business account is used to recharge the agent's payment background account.

Contents of the invention

The embodiment of the present invention provides a system and method for realizing account recharge, which is used to solve the problem that the mutual recharge between the agent's payment background account and the user's payment business account cannot be realized by using the existing technology.

The embodiment of the present invention also provides a BOSS and POS service platform device.

Embodiments of the present invention adopt the following technical solutions:

A system for realizing account recharge, including a POS service platform, a business operation support system BOSS and a central payment platform, wherein:

The POS service platform is used to receive the POS ID sent by the POS, the recharge amount information, the recharge type information, the user card ID read by the POS, and determine the corresponding relationship with the POS sent from the pre-stored correspondence between the user card ID and the user ID. The user identification corresponding to the user card identification, and from the corresponding relationship between the stored POS identification and the agency identification, determine the agency identification corresponding to the POS identification sent by the POS; and the recharge amount information, recharge type information and the determined user identification and the agent ID are sent to the business operation support system BOSS; BOSS is used to determine the user payment background account corresponding to the user ID sent by the POS service platform from the corresponding relationship between the pre-stored user ID and the user payment background account, and from the pre-stored In the corresponding relationship between the stored agent ID and the agent payment background account, determine the agent payment background account corresponding to the user ID sent by the POS service platform; The merchant payment background account is sent to the central payment platform; the central payment platform is used to adjust the determined amount information in the user payment background account and the agent payment background account according to the recharge type information and recharge amount information.

Optionally, the central payment platform specifically includes: a recharge strategy determination unit, used to determine the recharge strategy corresponding to the recharge type information sent by BOSS from the pre-stored recharge type information and the corresponding relationship between the recharge strategy; and a recharge execution unit, using When the recharge strategy determined by the recharge strategy determination unit is to use the agent payment background account to recharge the user payment background account, perform deduction of the amount corresponding to the recharge amount information from the determined agent payment background account. The operation of increasing the corresponding amount in the user’s payment background account; when the recharge strategy determined by the recharge strategy determination unit is to use the agent’s payment background account to recharge the card local account stored in the user’s card, perform payment from the determined agent The operation of deducting the corresponding amount from the background account and increasing the corresponding amount in the determined user payment background account; and from the pre-stored corresponding relationship between the user payment background account and the mapping account of the card local account, determine and The mapping account corresponding to the determined user payment background account, and performing the operation of deducting the corresponding amount from the determined user payment background account and increasing the corresponding amount in the determined mapping account; when the recharge strategy determination unit The determined recharge strategy is to use the user’s user payment background account to recharge the agent’s payment background account, to deduct the amount corresponding to the recharge amount information from the determined user’s payment background account, and to use the determined agent’s payment background account. The operation of increasing the corresponding amount of money; when the recharge strategy determined by the recharge strategy determination unit is to use the user’s card local account to recharge the agent’s payment background account, from the pre-stored mapping of the user’s payment background account and the card local account In the corresponding relationship of accounts, determine the mapping account corresponding to the determined user payment background account, and perform the operation of deducting the corresponding amount from the determined mapping account; The operation of the corresponding amount.

Optionally, the system further includes a POS, and when the determined recharging strategy is to recharge the card local account stored in the user card by using the agent payment background account, the POS specifically includes: an identification reading unit, configured to read from the user Read the user card identification in the card; the information obtaining unit is used to obtain the recharge amount information and the recharge type information; the information sending unit is used to read the POS identification of the POS itself, the user card identification read by the identification reading unit, and the information obtaining unit The obtained recharge amount information and recharge type information are sent to the POS service platform; the recharge result receiving unit is used to receive the user information sent by the central payment platform after the central payment platform executes the operation of increasing the corresponding amount in the determined mapping account. To instruct the agent to pay the background account and the recharge result of the current amount information in the mapping account; the verification request sending unit is used to send a verification request to the user card after the recharge result receiving unit receives the recharge result; the random number The receiving unit is used to receive the random number fed back by the user card according to the verification request sent by the verification request sending unit; the verification code information generating unit is used to receive the random number received by the random number receiving unit and the user card in advance. The verification code generation algorithm generates the first verification code information and sends it to the user card; the confirmation message receiving unit is used to receive the first verification code information sent by the user card after comparing the verification code information generation unit with the user card The verification message sent after the second verification code information generated by the algorithm matches the random number and the algorithm; the update unit is configured to update the stored value in the user card according to the recharge result received by the recharge result receiving unit The amount information in the card's local account.

Optionally, the central payment platform specifically includes:

The information obtaining unit is used to obtain the verification code information read by the POS from the user card; the information determining unit is used to determine the determined information from the pre-stored correspondence between the user's payment background account and the verification code information. The verification code information corresponding to the user’s payment background account; the comparison unit is used to compare whether the verification code information determined by the information determination unit matches the verification code information obtained by the information acquisition unit; the amount adjustment unit is used to obtain the comparison result obtained by the comparison unit If yes, adjust the amount information in the determined user payment background account and agent payment background account according to the recharge type information and recharge amount information.

Optionally, the system also includes POS, and POS specifically includes:

The request message sending unit is used to send a card reading request message carrying a read key to the user card; the card reading unit is used to read the POS card reading notification message fed back by the user card after receiving the user card. The user card identification, wherein, the notification message allowing POS card reading is to include the card reading request message sent by the request message sending unit in the POS reading key that the user card judges that it has pre-stored card reading authority. It is sent after reading the key carried in it; the information obtaining unit is used to obtain the recharge amount information and the recharge type information; the sending unit is used to obtain the POS identification of the POS itself, the user card identification and information read by the card reading unit The recharge amount information and recharge type information obtained by the unit are sent to the POS service platform.

A method for recharging an account, comprising:

The POS service platform receives the POS identification, recharge amount information, recharge type information, and user card identification read by the POS from the sales terminal POS; the POS service platform determines the corresponding relationship with the POS sending The user ID corresponding to the user card ID of the user, and from the stored correspondence between the POS ID and the agency ID, determine the agency ID corresponding to the POS ID sent by the POS; the POS service platform will recharge amount information, recharge type information and determine The user ID and agent ID sent to the business operation support system BOSS; BOSS determines the user payment background account corresponding to the user ID sent by the POS service platform from the corresponding relationship between the pre-stored user ID and the user payment background account, and from the pre-stored In the corresponding relationship between the stored agent ID and the agent payment background account, determine the agent payment background account corresponding to the user ID sent by the POS service platform; BOSS will recharge type information, recharge amount information and the determined user payment background account and agent The merchant payment background account is sent to the central payment platform; the central payment platform adjusts the determined amount information in the user payment background account and the agent payment background account according to the recharge type information and the recharge amount information.

A POS service platform device, comprising: a receiving unit for receiving POS identification sent by POS, recharge amount information, recharge type information, user card identification read by POS; a determination unit for pre-stored user card identification and In the corresponding relationship of the user identification, determine the user identification corresponding to the user card identification received by the receiving unit, and from the corresponding relationship between the stored POS identification and the agency identification, determine the corresponding agency identification of the POS identification received by the receiving unit; is used to send the recharge amount information, recharge type information received by the receiving unit, and the user ID and agent ID determined by the determining unit to the business operation support system BOSS.

A business operation support system, comprising: a receiving unit for receiving recharge amount information, recharge type information, user identification, and agent identification sent by a POS service platform; In the account correspondence, determine the user payment background account corresponding to the user identification received by the receiving unit, and determine the agent corresponding to the user identification received by the receiving unit from the correspondence between the pre-stored agent identification and the agent payment background account The payment background account; the sending unit is used to send the recharge type information received by the receiving unit, the recharge amount information and the determined user payment background account and agent payment background account determined by the determination unit to the central payment platform.

The beneficial effects of the embodiments of the present invention are as follows:

The above solution provided by the embodiment of the present invention uses the POS service platform to determine the agent ID according to the POS ID sent by the POS, determines the user ID according to the user card ID sent by the POS, and provides the agent ID and the user ID to the BOSS, so that the BOSS can Determine the user’s payment background account from the corresponding relationship between the pre-stored user ID and the user’s payment background account, and determine the agent’s payment background account from the corresponding relationship between the agent’s ID and the agent’s payment background account, and finally the central payment platform according to the recharge The type information and the recharge amount information adjust the amount information in the user's payment background account and the agent's payment background account, so that mutual recharge between the user's payment background account and the agent's payment background account can be realized.

Description of drawings

Fig. 1 is a schematic diagram of the process in which the user completes the recharging of the conversation fee account through an agent in the prior art;

FIG. 2 is a schematic flowchart of a method for realizing account recharge provided by an embodiment of the present invention;

Figure 3a is a schematic diagram of implementation scenarios of Embodiments 1-4;

Fig. 3b is a schematic flow diagram of using POS to recharge the user's user payment background account;

Figure 4 is a schematic diagram of the specific process of using POS to recharge the user's card local account;

Fig. 5 is a schematic diagram of the specific process of using the user's user payment background account to recharge the agent's payment background account;

Figure 6 is a schematic diagram of the specific process of using the user's card local account to recharge the agent's payment background account;

FIG. 7 is a schematic flow diagram of exchanging encrypted information between functional entities as shown in FIG. 2;

FIG. 8 is a schematic structural diagram of a system for implementing account recharge provided by an embodiment of the present invention.

Detailed ways

In order to solve the problem that the account recharge scheme provided by the existing technology cannot realize the recharge of the user's user payment service account by using the agent's payment background account, and the problem that the user's payment service account cannot be used to recharge the agent's payment background account, the embodiment of the present invention Provides a method for recharging an account based on POS. Whether it is using the agent’s payment background account to recharge the user’s user payment business account, or using the user’s payment business account to recharge the agent’s payment background account, the method provided by the embodiment of the present invention is adopted. All plans can meet these recharge requirements.

The solutions provided by the embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings.

First, the embodiment of the present invention provides a method for recharging an account based on POS as shown in Figure 2, the method mainly includes the following main steps:

Step 21, the POS service platform receives the user card identification read from the POS identification, recharge amount information, recharge type information, and POS sent by the POS;

Generally, POS reads and sends the above-mentioned user card identification from a user card supporting radio frequency identification technology.

Step 22, the POS service platform determines the user ID corresponding to the user card ID sent by the POS from the pre-stored correspondence between the user card ID and the user ID, and determines from the stored corresponding relationship between the POS ID and the agent ID The agent ID corresponding to the POS ID sent by the POS;

Step 23, the POS service platform sends the recharge amount information, recharge type information, and the determined user ID and agent ID to BOSS;

Step 24, BOSS determines the user payment background account corresponding to the user ID sent by the POS service platform from the pre-stored correspondence between the user ID and the user payment background account, and determines the user payment background account from the pre-stored agent ID and the agent payment background account. In the corresponding relationship, determine the agency payment background account corresponding to the user ID sent by the POS service platform;

Step 25, BOSS sends the recharge type information, recharge amount information and the determined user payment background account and agent payment background account to the central payment platform;

Step 26, the central payment platform adjusts the determined amount information in the user's payment background account and the agent's payment background account according to the recharge type information and the recharge amount information.

For the above step 26, its specific implementation method can be as follows: the central payment platform determines the recharge strategy corresponding to the recharge type information sent by the BOSS from the corresponding relationship between the pre-stored recharge type information and the recharge strategy; and then according to the recharge strategy and the recharge amount information, and adjust the amount information in the determined user payment background account and the agent payment background account. In the embodiment of the present invention, the recharge strategy may have the following situations:

Case 1: The recharge strategy is to use the agent’s payment background account to recharge the user’s payment background account. At this time, the central payment platform executes the operation of deducting the amount corresponding to the recharge amount information from the determined agent's payment background account, and adding the corresponding amount to the determined user's payment background account.

Situation 2: The recharge strategy is to use the agent's payment background account to recharge the card's local account stored in the user's card. At this time, the central payment platform executes the operation of deducting the amount corresponding to the recharge amount information from the determined agent's payment background account, and adding the corresponding amount to the determined user's payment background account. Further, the central payment platform also determines the mapping account corresponding to the determined user payment background account from the pre-stored correspondence between the user payment background account and the mapping account of the card local account, and then executes the mapping from the determined user payment background account. The operation of deducting the amount corresponding to the recharge amount information and adding the corresponding amount to the determined mapping account.

Case 3: The recharge strategy is to use the user's user payment background account to recharge the agent's payment background account. At this time, the central payment platform executes the operation of deducting the amount corresponding to the recharge amount information from the determined user payment background account, and adding the corresponding amount to the determined agent payment background account.

Situation 4: The recharge strategy is to use the user's card local account to recharge the agent's payment background account. At this time, from the pre-stored correspondence between the user payment background account and the mapping account of the card local account, determine the mapping account corresponding to the determined user payment background account, and perform deduction from the determined mapping account corresponding to the recharge amount information. and the operation of increasing the amount corresponding to the recharge amount information in determining the agent's payment background account.

For the above case two, when the determined recharge strategy is to recharge the card local account stored in the user card by using the agent’s payment background account, after the operation of increasing the amount corresponding to the recharge amount information in the determined mapped account, the present invention The above method provided by the embodiment may further include the following steps:

First, after receiving the recharge result sent by the central payment platform to instruct the agent to pay the background account and the current amount information in the mapping account (generally, the recharge result is transmitted through the central payment platform, BOSS, and POS service platform in sequence) After sending to POS), send a verification request to the user card, and receive the random number fed back by the user card according to the verification request;

Then, according to the random number sent by the user card and the verification code generation algorithm agreed with the user card in advance, the POS generates the first verification code information and sends it to the user card, and receives the user card and compares the first verification code information with the user card according to the first verification code information. The verification message sent after the random number matches the second verification code information generated by the above algorithm;

Finally, the POS updates the amount information in the card local account stored in the user card according to the above recharge result.

Optionally, in the embodiment of the present invention, when the central payment platform performs the recharging operation, it may first verify the legitimacy of the user card, so as to avoid recharging an illegal user card. Specifically, the central payment platform can first obtain the verification code information read by the POS from the user card; then, the central payment platform determines and determines the user payment background account from the pre-stored correspondence between the user's payment background account and the verification code information. The verification code information corresponding to the account; finally, when the central payment platform compares the determined verification code information with the read verification code information, it adjusts the determined user payment background account and agent according to the recharge type information and recharge amount information. The amount information in the merchant's payment background account.

Optionally, in order to prevent illegal POS from reading the data in the user card, the process of POS reading the user card identification from the user card can be as follows:

First, the POS sends a card reading request message carrying a reading key to the user card;

Then, the POS reads the identification of the user card after receiving the notification message of allowing the POS to read the card fed back by the user card. Wherein, the notification message for allowing POS card reading is sent after the user card determines that the pre-stored POS reading key with card reading authority contains the reading key carried in the card reading request message.

The following uses specific embodiments 1 to 4 as examples to describe in detail the actual application process of the solutions provided by the embodiments of the present invention. Among them, embodiment 1 is the process of using POS to recharge the user's user payment background account, that is, using the agent payment background account to recharge the user's user payment background account; embodiment 2 is using POS to recharge the user's card local account The process, that is, the process of using the agent payment background account to recharge the user's card local account; embodiment 3 is the process of using the user's user payment background account to recharge the agent payment background account; embodiment 4 is the use of the user's card local account The account is the process of recharging the background account of the agent's payment.

Before introducing various embodiments, it is necessary to introduce the implementation scenarios of the embodiments. The implementation scenarios of Embodiments 1 to 4 are similar, and its schematic diagram is shown in Figure 3a, which mainly includes a user card (or a terminal including a user card) 201 and a POS-C 202 (i.e. used by an agent) that support the RFID function used by the user. POS), L-POSP 203 (ie local POS service platform), BOSS 204 and central payment platform 205. The detailed introduction of the above functional entities included in this scenario is as follows:

User card (or terminal containing user card) 201: used to maintain the user's card local account and the serial number of user card (or terminal containing user card) 201, user card (or terminal containing user card) 201 can but not It is limited to the special card supporting RFID function described in the background technology section, and the type of the card can be but not limited to SIM card, USIM card, IC card, etc.;

POS-C 202: the POS used by the agent, which is mainly used to read the serial number of the user card (or the terminal containing the user card) 201 from the user card (or the terminal containing the user card) 201, and complete the verification Authentication and verification of the user card (or terminal containing the user card) 201, as well as functions such as recharging and debiting the card local account maintained in the user card (or terminal containing the user card) 201. -POSP 203 initiates the function of recharge request and payment request;

L-POSP 203: the local POS service platform, which is mainly used to process the recharge request and payment request initiated by POS-C 202, and maintain the POS-C 202 identification (such as serial number) and agent identification (such as agent The number of the fixed telephone used, the corresponding relationship of the mobile terminal number (such as mobile phone number, etc.) The corresponding relationship between the number of the fixed telephone number of the user, the mobile terminal number (such as mobile phone number, etc.) used by the user, and according to the change of these corresponding relationships, the dynamic update of these corresponding relationships maintained by it is realized;

BOSS 204: Mainly responsible for managing the user's user payment background account and agent payment background account, and maintaining the corresponding relationship between the user's user payment background account and the user ID, and the corresponding relationship between the agent payment background account and the agent ID. In addition, it is also used to request the central payment platform 205 to deduct or recharge the corresponding payment background account by sending the corresponding recharge request and payment request to the central payment platform 205 according to the recharge request and payment request initiated by the POS-C 202. operation;

Central payment platform 205: mainly used to maintain payment background accounts (including user payment background accounts and agent payment background accounts), and perform deduction or recharge of corresponding payment background accounts according to recharge requests and payment requests sent by BOSS 204 operation, and notify the BOSS 204 of the operation result.

Each embodiment is introduced respectively below.

Example 1

In the first embodiment, what is to be implemented is to use the POS to recharge the user's user payment background account, that is, to use the agent's payment background account to recharge the user's user payment background account. Based on the implementation scenario shown in Figure 2, the implementation process of Embodiment 1 may include the following steps as shown in Figure 3b:

Step 31, POS-C 202 reads the sequence of the user card (or the terminal containing the user card) 201 after receiving the signal "user payment background account recharge" entered by the agent after entering the POS-C 202 recharge menu number, and receive the recharge amount information entered by the agent;

Step 32, POS-C 202 sends to L-POSP 203 a request for recharging the user's user payment background account, the request carries the serial number of the read user card (or terminal containing the user card) 201, the received recharge Quota information, the identification of POS-C 202 itself (for example, the identification of POS-C 202 mentioned here can be the serial number of POS-C 202), etc.;

Optionally, the request may also carry the serial number of the operation of recharging the user's user payment background account performed this time, wherein the serial numbers of different operations are different from each other. The advantage of setting the serial number for the operation is that when there are many recharging operations, it is convenient to find the corresponding recharging operation according to the serial number.

Optionally, the request may also carry a recharge password previously agreed upon by the user with the BOSS. The recharge password can be regarded as authentication information that can be used to authenticate the legal identity of the user.

Step 33, after L-POSP 203 receives the request for recharging the user's user payment background account, it parses out the POS-C 202 identifier from the request, and communicates with the agent's mobile phone according to the pre-stored POS-C 202 identifier. Corresponding relationship of numbers, determine the agent mobile phone number corresponding to the identified POS-C 202;

Step 34, L-POSP 203 further resolves the serial number of the user card (or the terminal containing the user card) 201 from the above-mentioned request, and according to the serial number of the pre-stored user card (or the terminal containing the user card) 201 and the user The corresponding relationship of the mobile phone number determines the user's mobile phone number corresponding to the serial number of the user card (or the terminal comprising the user card) 201 parsed out;

It should be noted that those skilled in the art can understand that the execution order of the above steps 33 and 34 can be very flexible. In addition to the execution order of performing step 33 first and then step 34 as shown above, it is also possible to perform step 34 first and then step 33, or to perform steps 33 and 34 in parallel. This embodiment of the present invention does not limit this.

Step 35, L-POSP 203 sends the recharge amount information carried in the above request and the determined agent mobile phone number and user mobile phone number to BOSS 204, and at the same time, L-POSP 203 also sends "for User's user payment background account recharge request" request type, send a recharge identifier A for indicating that the user's user payment background account needs to be recharged to BOSS 204;

Optionally, if the above request also carries the serial number and recharge password, then L-POSP 203 can also send the serial number and recharge password to BOSS 204.

Step 36, BOSS 204 determines the user corresponding to the received mobile phone number from the correspondence between the pre-stored user mobile phone number and the user's user payment background account according to the received user mobile phone number sent by L-POSP 203 Pay the background account, and according to the received agent mobile phone number sent by L-POSP 203, from the corresponding relationship between the pre-stored agent mobile phone number and the agent's payment background account, determine the correspondence between the received agent's mobile phone number The agent pays the background account, and then executes step 37;

Optionally, after the user payment background account and the agent payment background account are determined, the legitimacy of the user payment background account and the agent payment background account can be further verified, and the determined user payment background account and the agent payment background account can be verified. After the agent's payment background account is legal, go to step 37. Specifically, the user may be required to input the user legality ID assigned by BOSS 204 when opening the user payment background account, and compare the user legality ID with the user legality corresponding to the user's user payment background account stored by BOSS 204. Whether the gender identity is matched or not is used to verify the legitimacy of the user's payment background account. Similarly, for the agent's payment background account, the agent can also be required to use the POS-C 202 to input the agent's legality identifier assigned to the agent, and compare the agent's legality identifier with the one stored in the BOSS 204 with the agent's Verify the legitimacy of the agent's payment background account by checking whether the agent's legality identifier corresponding to the agent's payment background account is consistent.

Step 37, BOSS 204 sends the determined user payment background account and agent payment background account, the recharge amount information and recharge identification A sent by L-POSP 203 to the central payment platform 205;

Optionally, if the above request also carries a serial number, the BOSS 204 can also send the serial number to the central payment platform 205.

Step 38, the central payment platform 205 determines from the pre-agreed correspondence between the recharge ID and the recharge policy based on the recharge ID A sent by the BOSS 204 that the recharge policy corresponding to the recharge ID A is "pay for the user's user in the background After "recharging the account", execute according to the recharge amount information sent by BOSS 204, deduct the amount corresponding to the recharge amount information from the agent payment background account sent by BOSS 204, and add it to the user payment background account sent by BOSS 204 The operation of the amount corresponding to the recharge amount information;

Step 39, the central payment platform 205 sends the recharge result to BOSS 204, wherein, the recharge result here can generally be the current amount information in the agent's payment background account and the current amount information in the user's user payment background account;

Optionally, if in step 37, BOSS 204 also sends the serial number to the central payment platform 205, then in step 39, when the central payment platform 205 sends the recharge result to BOSS 204, it also sends the corresponding serial number Give BOSS 204.

Step 310, BOSS 204 sends the above recharge result to L-POSP 203;

Optionally, if the central payment platform 205 sends the corresponding serial number to BOSS 204, then BOSS 204 sends the serial number to L-POSP 203.

Step 311, L-POSP 203 sends the recharge result to POS-C 202;

Optionally, if BOSS 204 sends the serial number to L-POSP 203, then L-POSP 203 sends the serial number to POS-C 202.

Step 312, POS-C 202 displays the recharge result, and prints the recharge voucher, and the process ends.

Optionally, if L-POSP 203 sends the serial number to POS-C 202, then POS-C 202 can store the serial number and the above recharge result correspondingly.

Optionally, step 313 may be further performed in Embodiment 1. In this step 313, the central payment platform 205 sends a short message to the user card (or the terminal containing the user card) 201 for notifying the user that the user payment background account recharge is successful. Optionally, the short message may carry the current amount information in the user's user payment background account, the time information when this recharge operation occurs, and the like. The central payment platform 205 can send the short message immediately after the operation of increasing the amount of money corresponding to the recharge amount information in the user's payment background account; can be 5s etc.) to send the short message. It should be noted that, for the former sending method, step 313 is generally executed immediately after step 38 and before step 39, while for the latter sending method, according to the length of the delay time and the real-time communication status of the communication network, step 313 The execution time of is characterized by uncertainty.

Example 2

Different from Embodiment 1, what Embodiment 2 needs to achieve is to use the POS to recharge the user's card local account, that is, to realize the use of the agent's payment background account to recharge the user's card local account. Based on the implementation scenario shown in Figure 2, in order to complete the recharge operation to be realized in Embodiment 2, the central payment platform 205 needs to deduct the amount from the agent's payment background account, and charge the corresponding amount into the user's user payment background account, Then deduct the amount from the user's user payment background account, and charge the corresponding amount into the mapping account of the user's card local account in the background (for the convenience of description, in Embodiment 2, the mapping account of the card local account in the background is referred to as user pays subaccount).

Specifically, the specific implementation process of Embodiment 2 is shown in Figure 4, including the following steps:

Step 41, POS-C 202 reads the serial number of the user card (or the terminal containing the user card) 201 after receiving the signal of "card local account recharge" entered by the agent after entering the POS-C 202 recharge menu , and receive the recharge amount information entered by the agent;

Step 42, POS-C 202 sends a request to L-POSP 203 to recharge the user's card local account, the request carries the read serial number of the user card (or the terminal containing the user card) 201, and the received recharge amount Information, POS-C 202 own identification (such as the identification of POS-C 202 mentioned here can be the serial number of POS-C 202), etc.;

Optionally, the request may also carry the serial number of the operation of recharging the user's card local account this time. Optionally, the request may also carry a recharge password previously agreed upon by the user with the BOSS. The recharge password can be regarded as authentication information that can be used to authenticate the legal identity of the user.

Step 43, after L-POSP 203 receives the request for recharging the user's card local account, it parses out the POS-C 202 identifier from the request, and according to the pre-stored POS-C 202 identifier and the agent's mobile phone number Corresponding relationship, determine the agent mobile phone number corresponding to the identified POS-C 202;

Step 44, L-POSP 203 further resolves the serial number of the user card (or the terminal containing the user card) 201 from the above-mentioned request, and according to the serial number of the pre-stored user card (or the terminal containing the user card) 201 and the user The corresponding relationship of the mobile phone number determines the user's mobile phone number corresponding to the serial number of the user card (or the terminal comprising the user card) 201 parsed out;

It should be noted that those skilled in the art can understand that the execution order of the above steps 43 and 34 can be very flexible. In addition to the execution order of performing step 43 first and then step 44 as shown above, it is also possible to perform step 44 first and then step 43, or to perform steps 43 and 34 in parallel. This embodiment of the present invention does not limit this.

Step 45, L-POSP 203 sends the recharge amount information carried in the above request and the determined agent mobile phone number and user mobile phone number to BOSS 204, and at the same time, L-POSP 203 also sends the "for The request type of "request for recharging the user's card local account" sends a recharging identifier B to BOSS204 indicating that the user's card local account needs to be recharged;

Optionally, if the above request also carries the serial number and recharge password, then L-POSP 203 can also send the serial number and recharge password to BOSS 204.

Step 46, BOSS 204 determines the user corresponding to the received user mobile phone number from the correspondence between the pre-stored user mobile phone number and the user's user payment background account according to the received user mobile phone number sent by L-POSP 203 Pay the background account, and according to the received agent mobile phone number sent by L-POSP 203, from the corresponding relationship between the pre-stored agent mobile phone number and the agent's payment background account, determine the correspondence between the received agent's mobile phone number The agent pays the background account, and then executes step 47;

Step 47, BOSS 204 sends the determined user payment background account and agent payment background account, the recharge amount information and recharge identification B sent by L-POSP 203 to the central payment platform 205;

Optionally, if the above request also carries a serial number, the BOSS 204 can also send the serial number to the central payment platform 205.

Step 48, the central payment platform 205 determines from the pre-agreed correspondence between the recharge ID and the recharge policy according to the recharge ID B sent by the BOSS 204 that the recharge policy corresponding to the recharge ID A is "for the user's card local account After recharging", execute according to the recharge amount information sent by BOSS 204, deduct the amount corresponding to the recharge amount information from the agent payment background account sent by BOSS 204, and add the corresponding amount to the user payment background account sent by BOSS 204 The operation of the amount corresponding to the recharge amount information;

Step 49, the central payment platform 205 according to the user payment background account sent by BOSS 204, from the corresponding relationship between the user payment background account and the user payment sub-account pre-stored in the central payment platform 205 (that is, the mapping account of the card local account in the background) , determine the user payment sub-account corresponding to the user payment background account sent by BOSS 204, and according to the recharge amount information sent by BOSS 204, execute the deduction from the user payment background account sent by BOSS 204 corresponding to the recharge amount information Amount, the operation of increasing the amount corresponding to the recharge amount information in the determined user payment sub-account;

Step 410, the central payment platform 205 sends the recharge result to the BOSS 204, wherein the recharge result here is generally the current amount information in the agent's payment background account and the current amount information in the user's user payment sub-account;

Optionally, if in step 47, BOSS 204 also sends the serial number to the central payment platform 205, then in step 410, when the central payment platform 205 sends the recharge result to BOSS 204, it also sends the corresponding serial number Give BOSS 204.

Step 411, BOSS 204 sends the above recharge result to L-POSP 203;

Optionally, if the central payment platform 205 sends the corresponding serial number to BOSS 204, then BOSS 204 sends the serial number to L-POSP 203.

Step 412, L-POSP 203 sends the recharge result to POS-C 202;

Optionally, if BOSS 204 sends the serial number to L-POSP 203, then L-POSP 203 sends the serial number to POS-C 202.

Step 413, POS-C 202 displays the recharge result and prints the recharge voucher;

Optionally, if L-POSP 203 sends the serial number to POS-C 202, then POS-C 202 can store the serial number and the corresponding recharge result accordingly.

Step 414, POS-C 202 sends verification request to user card (or the terminal that comprises user card) 201;

Step 415, after receiving the verification request, the user card (or the terminal containing the user card) 201 generates a random number a and sends it to the POS-C 202, and according to the user card (or the terminal containing the user card) 201 and the POS-C 202 The agreed first verification code generation algorithm and the generated random number a generate the verification code MAC1;

Step 416, after receiving the random number a, the POS-C 202 generates a verification code MAC2 according to the first verification code generation algorithm agreed between the user card (or the terminal containing the user card) 201 and the POS-C 202 and the random number a , and send to the user card (or the terminal containing the user card) 201 the card local account recharge instruction carrying the MAC2;

Step 417, the user card (or the terminal including the user card) 201 verifies the MAC2 sent by the POS-C 202, that is, compares whether the MAC1 generated by itself matches the MAC2 sent by the POS-C 202, if the comparison result is yes , then the verification is successful, at this time, the user card (or the terminal containing the user card) 201 allows the POS-C 202 to perform modification of its own data by sending a verification message to the POS-C 202;

Step 418, POS-C 202 updates the card local account maintained in the user card (or the terminal containing the user card) 201 according to the received recharge result, and updates the amount information in the card local account to correspond to the recharge result The current amount information in the user's payment sub-account is consistent;

Optionally, after the POS-C 202 updates the amount information in the card local account maintained in the user card (or the terminal containing the user card) 201, it can also generate the corresponding card local account recharge serial number and TAC code . Wherein, the function of the TAC code is to mark the recharge operation, for example, it can be regarded as the transaction confirmation code of the recharge operation.

In step 419, the POS-C 202 displays the updated amount information in the card local account to notify the user that the card local account has been recharged successfully, and the process ends.

Optionally, in Embodiment 1, step 420 may be further performed. In step 420, the central payment platform 205 sends a short message to the user card (or the terminal containing the user card) 201 for notifying the user that the user payment sub-account has been recharged successfully. Optionally, the short message may carry the current amount information in the user payment sub-account of the user, the time information when the recharge operation occurs, and the like. The central payment platform 205 can send the short message immediately after the operation of increasing the amount corresponding to the recharge amount information in the user's payment sub-account; it can also be based on a delay time estimated in advance (depending on the actual situation, the delay time can be 5s etc.) to send the short message. It should be noted that, for the former sending method, step 420 is generally executed immediately after step 49 and before step 410, while for the latter sending method, according to the length of the delay time and the real-time communication status of the communication network, step 420 The execution time of is characterized by uncertainty.

Example 3

In Embodiment 3, what needs to be realized is that the user uses the POS and the user's user payment background account to make consumption, that is, the user's user payment background account is used to recharge the agent's payment background account. When the user consumes, he needs to enter the payment amount and payment password in the POS-C 202. Specifically, based on the implementation scenario shown in Figure 2, the implementation process of Embodiment 3 may include the following steps as shown in Figure 5:

Step 51, the user terminal comprising user card (or terminal comprising user card) 201 sends payment amount information and payment password to POS-C 202;

Step 52, POS-C 202 reads the serial number of the user card (or the terminal containing the user card) 201 after receiving the payment amount information and the payment password sent by the user terminal;

Step 53, POS-C 202 sends to L-POSP 203 a request to recharge the agent's payment background account through the user's user payment background account, and the request carries the read user card (or the terminal containing the user card) 201 Serial number, payment amount information and payment password sent by the user terminal, POS-C 202's own identification, etc.;

Optionally, the request may also carry the serial number of the operation of recharging the agent's payment background account through the user's payment background account this time.

Step 54, after L-POSP 203 receives the request to recharge the agent's payment background account through the user's payment background account, it parses out the POS-C 202 identifier from the request, and according to the pre-stored POS-C 202 identifier Corresponding relationship with the agent's mobile phone number, determine the agent's mobile phone number corresponding to the identified POS-C 202;

Step 55, L-POSP 203 further parses the serial number of the user card (or the terminal containing the user card) 201 from the above request, and according to the serial number of the pre-stored user card (or the terminal containing the user card) 201 and the user The corresponding relationship of the mobile phone number determines the user's mobile phone number corresponding to the serial number of the user card (or the terminal comprising the user card) 201 parsed out;

Step 56, L-POSP 203 sends the consumption quota information carried in the above request and the determined mobile phone number of the agent and the mobile phone number of the user to BOSS 204. The user payment background account is a request for recharging the agency payment background account" request type, send a recharge identifier C to the BOSS 204 to indicate that the agent payment background account needs to be recharged through the user's user payment background account;

Optionally, if the above request also carries the serial number and payment password, then L-POSP 203 can also send the serial number and payment password to BOSS 204.

Step 57, BOSS 204 determines the user corresponding to the received mobile phone number from the correspondence between the pre-stored user mobile phone number and the user's user payment background account according to the received user mobile phone number sent by L-POSP 203 Pay the background account, and according to the received agent mobile phone number sent by L-POSP 203, from the corresponding relationship between the pre-stored agent mobile phone number and the agent's payment background account, determine the correspondence between the received agent's mobile phone number The agent pays the background account, and then executes step 58;

Step 58, BOSS 204 sends the determined user payment background account and agent payment background account, the consumption amount information sent by L-POSP 203 and the recharge identification C to the central payment platform 205;

Optionally, if the above request also carries a serial number, the BOSS 204 can also send the serial number to the central payment platform 205.

Step 59, the central payment platform 205 determines from the pre-agreed correspondence between the recharge ID and the recharge strategy according to the recharge ID C sent by the BOSS 204 that the recharge strategy corresponding to the recharge ID C is "Payment through the user's user background After the account is recharged for the agent's payment background account", execute according to the consumption quota information sent by BOSS 204, execute the user's payment background account sent by BOSS 204 to deduct the amount corresponding to the consumption quota information, and send it from BOSS 204 The operation of increasing the amount corresponding to the consumption amount information in the agent's payment background account;

Step 510, the central payment platform 205 sends the recharge result to the BOSS 204, wherein the recharge result here is generally the current amount information in the agent's payment background account and the current amount information in the user's user payment background account;

Optionally, if in step 58, BOSS 204 also sends the serial number to the central payment platform 205, then in step 510, when the central payment platform 205 sends the recharge result to BOSS 204, it also sends the corresponding serial number Give BOSS 204.

Step 511, BOSS 204 sends the above recharge result to L-POSP 203;

Optionally, if the central payment platform 205 sends the corresponding serial number to BOSS 204, then BOSS 204 sends the serial number to L-POSP 203.

Step 512, L-POSP 203 sends the recharge result to POS-C 202;

Optionally, if BOSS 204 sends the serial number to L-POSP 203, then L-POSP 203 sends the serial number to POS-C 202.

Step 513, POS-C 202 displays the recharge result, and prints the recharge voucher, and the process ends.

Optionally, in Embodiment 1, step 514 may be further performed. In step 514, the central payment platform 205 sends a short message to the user card (or the terminal containing the user card) 201 for notifying the user that the user payment background account recharge is successful. Optionally, the short message may carry the current amount information in the user's user payment background account, the time information when this recharge operation occurs, and the like. The central payment platform 205 can send the short message immediately after the operation of increasing the amount of money corresponding to the consumption quota information in the agent's payment background account; The time can be 5s etc.) to send the short message.

Example 4

In Embodiment 4, what needs to be realized is that the user uses the POS and the user's card local account to consume, that is, the user's card local account is used to recharge the agent's payment background account. When the user consumes, he needs to enter the payment amount and payment password in the POS-C 202. Specifically, based on the implementation scenario shown in Figure 2, the implementation process of Embodiment 4 may include the following steps as shown in Figure 6:

Step 61, the user terminal comprising user card (or terminal comprising user card) 201 sends payment amount information and payment password to POS-C 202;

Optionally, in order to distinguish from the situation in Embodiment 3 where the user’s user payment background account is used to recharge the agent’s payment background account, in Embodiment 4, the user terminal not only sends the payment amount information to the POS-C 202 And payment password, can also send to POS-C 202 an identification that is used to indicate that this time is to use the user's card local account to recharge the agent's payment background account, such as identification 00. Similarly, in Embodiment 3, the user terminal may also send an identifier to the POS-C 202 indicating that the user's user payment background account is used to recharge the agent's payment background account at this time, such as the identifier 01.

Step 62, after receiving the payment amount information and payment password sent by the user terminal, the POS-C 202 generates a verification code MAC3, and sends a consumption initialization command carrying MAC3 to the user terminal;

Step 63: After receiving the consumption initialization instruction sent by POS-C 202, the user terminal judges whether the MAC3 carried in the instruction exists in the verification code corresponding to the pre-agreed legal POS, and when the judgment result is yes, determines the POS-C C 202 is a legal POS, so according to the above-mentioned payment amount information, the operation of deducting the corresponding amount in the card local account maintained by the user card (or the terminal containing the user card) 201 is performed, and according to the pre-agreed second verification code generation algorithm, Generate verification code MAC4;

Wherein, the verification code MAC4 here may be, but not limited to, generated by using the serial number of the user card (or the terminal including the user card) 201 and the second verification code generation algorithm.

Step 64, the user terminal sends a consumption response instruction to the POS-C 202, and the instruction carries MAC4;

Step 65, POS-C 202 reads the serial number of the user card (or the terminal comprising the user card) 201 in the user terminal;

Step 66, POS-C 202 generates MAC5 according to the serial number of the read user card (or the terminal containing the user card) 201 and the verification code generation algorithm stipulated in the above-mentioned pre-agreed verification code generation method; when comparing MAC4 When matching with MAC5, POS-C 202 determines the legitimacy of the user terminal that includes the user card (or the terminal that includes the user card) 201;

Step 67, POS-C 202 sends to L-POSP 203 a request to recharge the background account of the agent's payment through the user's card local account, and the request carries the read sequence of the user card (or the terminal containing the user card) 201 number, payment amount information and payment password sent by the user terminal, POS-C 202's own identification, etc.;

Optionally, the request may also carry the serial number of the operation of recharging the agent's payment background account through the user's card local account this time.

Step 68, after L-POSP 203 receives the request to recharge the agent's payment background account through the card local account, it parses out the POS-C 202 identifier from the request, and according to the parsed POS-C202 identifier, from The corresponding relationship between the identifier of POS-C 202 stored in advance and the mobile phone number of the agent determines the corresponding agent mobile phone number of the identifier of the POS-C 202 that has been parsed out. Or in the corresponding relationship between the serial number of the terminal) 201 containing the user card and the user's mobile phone number, determine the corresponding user's mobile phone number of the serial number of the user card (or terminal) 201 containing the user card sent by the POS-C 202;

Step 69, L-POSP 203 sends the consumption quota information carried in the above request and the determined agent mobile phone number and user mobile phone number to BOSS 204. The user's card local account is a request for recharging the agent's payment background account", and sends a recharge identifier D to BOSS 204 to indicate that the agent's payment background account needs to be recharged through the card local account;

Optionally, if the above request also carries the serial number and payment password, then L-POSP 203 can also send the serial number and payment password to BOSS 204.

Step 610, BOSS 204, according to the received agent's mobile phone number sent by L-POSP 203, determines from the correspondence between the pre-stored agent's mobile phone number and the agent's payment background account, that the received agent's mobile phone number corresponds to According to the user's mobile phone number sent by L-POSP 203, from the corresponding relationship between the pre-stored user's mobile phone number and the user's user payment background account, determine the user corresponding to the received user's mobile phone number Pay the background account, and then execute step 611;

Step 611, BOSS 204 sends the determined agent payment background account, user payment background account, consumption amount information sent by L-POSP 203 and recharge ID D to the central payment platform 205;

Optionally, if the above request also carries a serial number, the BOSS 204 can also send the serial number to the central payment platform 205.

Step 612, the central payment platform 205 determines from the pre-agreed correspondence between the recharge ID and the recharge policy according to the recharge ID D sent by the BOSS 204 that the recharge strategy corresponding to the recharge ID D is "using the card local account as an agent" After recharging the background account of merchant payment", from the corresponding relationship between the pre-stored user payment background account and the user payment sub-account, determine the user payment sub-account corresponding to the user payment background account sent by BOSS 204, and execute according to the user payment sub-account sent by BOSS 204 information on the consumption limit, the operation of deducting the amount corresponding to the consumption limit information from the determined user payment sub-account, and the operation of increasing the amount corresponding to the consumption limit information in the agent payment background account sent by BOSS 204;

Step 613, the central payment platform 205 sends the recharge result to the BOSS 204, wherein the recharge result here is generally the current amount information in the agent's payment background account and the current amount information in the user's payment sub-account;

Step 614, BOSS 204 sends the above recharge result to L-POSP 203;

Step 615, L-POSP 203 sends the recharge result to POS-C 202;

Step 616, POS-C 202 displays the recharge result, and prints the recharge voucher, and the process ends.

What needs to be emphasized is that in the embodiment of the present invention, in order to ensure the security of information when the information is interacted between the functional entities shown in Figure 2, the process shown in Figure 3a to Figure 6 can be added to the information between the functional entities The information exchanged between each other is encrypted, so that the processes shown in Figure 3a to Figure 6 meet the requirements of the existing bank's financial standard - PBOC security system design.

Taking the scene shown in Figure 2 as an example, the information exchanged between the user card (or the terminal containing the user card) 201 and the POS-C 202 can be a radio frequency signal that meets the physical layer security standard protocol ISO14443, and the POS-C 202 and L - The information exchanged between POSP 203 can be encrypted according to the standard protocol ISO8583, between L-POSP 203 and BOSS 204 and between BOSS 204 and central payment platform 205 can establish a connection based on a dedicated secure line, based on the established connection, The information exchanged between L-POSP 203 and BOSS 204 and the information exchanged between BOSS 204 and central payment platform 205 can be encrypted information.

In the embodiment of the present invention, almost all functional entities shown in FIG. 2 may store corresponding keys in advance, so as to perform encryption processing on transmitted information. For example, the reading key of the POS-C 202 with card reading authority can be prestored in the user card (or the terminal containing the user card) 201; the reading key of itself can be prestored in the POS-C 202 and used for The POS-C key for encrypting the received information and the information input into POS-C 202; L-POSP 203 can pre-store the corresponding relationship between the POS-C 202 identification and the POS-C key, and store the L-POSP key key; and the payment platform key can be stored in the central payment platform 205.

Taking the implementation process of Embodiment 2 as shown in FIG. 4 as an example, the schematic flow diagram of exchanging encrypted information between functional entities as shown in FIG. 2 is shown in FIG. 7 , including the following steps:

Step 71, after POS-C 202 receives the signal of "card local account recharging" entered by the agent after entering the POS-C 202 recharging menu, it sends a message carrying " Read key" card reading request message;

Step 72, the user card (or the terminal comprising the user card) 201, after receiving the card-reading request message, judges whether the reading key of the POS-C 202 with the card-reading authority stored in itself contains the card-reading request message The read key carried by the bearer, and when the judgment result is yes, feeds back to the POS-C 202 a notification message allowing the POS-C 202 to read the card, and generates a verification code MAC0;

Step 73, POS-C 202 reads the serial number and MAC0 of the user card (or the terminal containing the user card) 201, and receives the recharge amount information and recharge password information input by the agent;

Step 74, POS-C 202 according to the stored POS-C key, the serial number, MAC0 of the read user card (or terminal containing the user card) 201, and the recharge amount information and recharge password information entered by the agent After encryption, the obtained encrypted information and the identification of the POS-C 202 are carried together in the request for recharging the user's card local account and sent to the L-POSP 203;

Optionally, the POS-C key may not be stored in the POS-C 202, but the POS-C key is input by the agent through the POS-C 202 by setting a special PIN pad on the POS-C 202;

Step 75, after L-POSP 203 receives the request for recharging the user's card local account, it parses out the POS-C 202 identifier from the request, and according to the pre-stored POS-C 202 identifier and POS-C In the key correspondence, determine the corresponding POS-C key, and use the determined POS-C key to decrypt the encrypted information carried in the above request, so as to obtain the sequence of the user card (or the terminal containing the user card) 201 No., MAC0, recharge amount information and recharge password information entered by the agent;

Step 76, L-POSP 203 determines from the correspondence between the pre-stored POS-C 202 identification and the agent's mobile phone number, the agent's mobile phone number corresponding to the analyzed POS-C 202 identification, and selects the corresponding agent's mobile phone number from the pre-stored POS-C 202 identification. In the corresponding relationship between the serial number of the user card (or the terminal comprising the user card) 201 and the user's mobile phone number, determine the user's mobile phone number corresponding to the serial number of the user card (or the terminal comprising the user card) 201 obtained by deciphering;

Step 77, since the connection between L-POSP 203 and BOSS 204 is established based on a dedicated secure line, the security of information transmission can be guaranteed to a certain extent, therefore, L-POSP 203 can directly decrypt the obtained MAC0 and recharge amount The information and the confirmed mobile phone number of the agent and the mobile phone number of the user are sent to BOSS 204. At the same time, L-POSP 203 also sends a request to BOSS according to the request type of "recharging the user's card local account" sent by POS-C 202. 204 Send a recharge identifier B for indicating that the user's card local account needs to be recharged;

Step 78, BOSS 204 determines the user corresponding to the received mobile phone number from the correspondence between the pre-stored user mobile phone number and the user's user payment background account according to the received user mobile phone number sent by L-POSP 203 Pay the background account, and according to the received agent mobile phone number sent by L-POSP 203, from the corresponding relationship between the pre-stored agent mobile phone number and the agent's payment background account, determine the correspondence between the received agent's mobile phone number The agent pays the background account;

Optionally, BOSS 204 can notify the user to enter the user legality ID assigned by BOSS 204 when opening the user's payment background account through POS-C 202, and compare the user's legality ID with that stored by BOSS 204 and the user's Verify the legitimacy of the user's payment background account by checking whether the user legality identifier corresponding to the user's payment background account is consistent. Similarly, for the agent's payment background account, BOSS 204 can also notify the agent to use the POS-C 202 to input the agent's legality identifier assigned to the agent, and compare the agent's legality identifier with the one stored in BOSS 204 with the Verify the legitimacy of the agent’s payment background account by checking whether the agent’s legitimacy identifier corresponding to the agent’s agent’s payment background account is consistent. After verifying that both the user's payment background account and the agent's payment background account are legal, proceed to step 79;

Step 79, since the connection between the BOSS 204 and the central payment platform 205 is based on a dedicated secure line, the security of information transmission can be guaranteed to a certain extent, therefore, the BOSS 204 can directly transfer the determined user payment background account and agent Merchant payment background account, MAC0 sent by L-POSP 203, recharge amount information and recharge ID B are sent to the central payment platform 205;

Step 710, the central payment platform 205 determines the verification code MAC0' corresponding to the received user payment background account from the correspondence between the user's payment background account and the verification code, and compares whether the received MAC0 matches the determined MAC0' consistent, and when the comparison result is yes, execute step 711, otherwise end the process;

Step 711, the central payment platform 205 determines from the pre-agreed correspondence between the recharge ID and the recharge policy according to the recharge ID B sent by the BOSS 204 that the recharge strategy corresponding to the recharge ID A is "for the user's card local account After recharging", execute according to the recharge amount information sent by BOSS 204, deduct the amount corresponding to the recharge amount information from the agent payment background account sent by BOSS 204, and add the corresponding amount to the user payment background account sent by BOSS 204 The operation of the amount corresponding to the recharge amount information;

Step 712, the central payment platform 205 according to the user payment background account sent by BOSS 204, from the corresponding relationship between the user payment background account and the user payment sub-account pre-stored in the central payment platform 205 (that is, the mapping account of the card local account in the background) , determine the user payment sub-account corresponding to the user payment background account sent by BOSS 204, and according to the recharge amount information sent by BOSS 204, execute the deduction from the user payment background account sent by BOSS 204 corresponding to the recharge amount information Amount, the operation of increasing the amount corresponding to the recharge amount information in the determined user payment sub-account;

Step 713, the central payment platform 205 sends the recharge result to the BOSS 204, wherein the recharge result here is generally the current amount information in the agent's payment background account and the current amount information in the user's user payment sub-account;

Step 714, BOSS 204 sends the above recharge result to L-POSP 203;

Step 715, L-POSP 203 sends the recharge result to POS-C 202;

Step 716, POS-C 202 displays the recharge result, and prints the recharge voucher, and sends a verification request to the user card (or the terminal containing the user card) 201;

Step 717, after receiving the verification request, the user card (or the terminal containing the user card) 201 generates a random number a and sends it to the POS-C 202, and according to the user card (or the terminal containing the user card) 201 and the POS-C The verification code generation algorithm agreed in 202 and the generated random number a generate the verification code MAC1;

Step 718, after receiving the random number a, the POS-C 202 generates a verification code MAC2 according to the verification code generation algorithm agreed between the user card (or the terminal containing the user card) 201 and the POS-C 202 and the random number a, and Send the card local account recharge instruction carrying MAC2 to the user card (or the terminal containing the user card) 201;

Step 719, the user card (or the terminal containing the user card) 201 verifies the MAC2 sent by the POS-C 202, that is, compares whether the MAC1 generated by itself matches the MAC2 sent by the POS-C 202, if the comparison result is yes , then the verification is successful, at this time, the user card (or the terminal containing the user card) 201 allows the POS-C 202 to perform modification of its own data by sending a verification message to the POS-C 202;

Step 720, POS-C 202 updates the card local account maintained in the user card (or the terminal containing the user card) 201 according to the received recharge result, and updates the amount information in the card local account to correspond to the recharge result The current amount information in the user's payment sub-account is consistent;

In step 721, the POS-C 202 displays the updated amount information in the card local account to notify the user that the card local account has been recharged successfully, and the process ends.

Corresponding to the method for realizing account recharge based on POS provided by the embodiment of the present invention, the embodiment of the present invention also provides a system for realizing account recharge based on POS. The system includes components as shown in FIG. 8 , respectively POS service platform 81 , BOSS82 and central payment platform 83, wherein the specific functions of each unit are as follows:

The POS service platform 81 is used to receive the POS identification sent by the POS, the recharge amount information, the recharge type information, and the user card identification read by the POS; The user identification corresponding to the user card identification, and from the corresponding relationship between the stored POS identification and the agency identification, determine the agency identification corresponding to the POS identification sent by the POS; and the recharge amount information, recharge type information and the determined user ID The logo and agent logo are sent to the business operation support system BOSS82;

BOSS82 is used to determine the user payment background account corresponding to the user identification sent by the POS service platform 81 from the corresponding relationship between the pre-stored user identification and the user payment background account, and from the pre-stored agent identification and agent payment background account In the corresponding relationship, determine the agent payment background account corresponding to the user identification sent by the POS service platform 81; and send the recharge type information, recharge amount information, and the determined user payment background account and agent payment background account to the central payment platform 83 ;

The central payment platform 83 is used to adjust the amount information in the user's payment background account and the agent's payment background account determined and sent by the BOSS84 according to the recharge type information and the recharge amount information.

Optionally, in the embodiment of the present invention, the central payment platform 83 can be specifically divided into the following functional units, including:

A recharge strategy determining unit, configured to determine a recharge strategy corresponding to the recharge type information sent by BOSS82 from the pre-stored correspondence between recharge type information and recharge strategies; and

The recharging execution unit is used to perform deduction of the amount corresponding to the recharge amount information from the determined agent payment background account when the recharge strategy determined by the recharge strategy determination unit is to use the agent payment background account to recharge the user payment background account. Amount, the operation of increasing the corresponding amount in the determined user payment background account;

When the recharge strategy determined by the recharge policy determination unit is to use the agent payment background account to recharge the card local account stored in the user card, perform the deduction of the corresponding amount from the determined agent payment background account, and in the determined user The operation of increasing the corresponding amount in the payment background account; and determining the mapping account corresponding to the determined user payment background account from the pre-stored correspondence between the user payment background account and the mapping account of the card local account, and Execute the operation of deducting the corresponding amount from the determined user payment background account and increasing the corresponding amount in the determined mapping account;

When the recharge strategy determined by the recharge policy determination unit is to use the user's user payment background account to recharge the agent's payment background account, perform deduction from the determined user payment background account. The agent pays the operation of increasing the corresponding amount in the background account;

When the recharge strategy determined by the recharge strategy determination unit is to use the user's card local account to recharge the agent's payment background account, perform the operation of increasing the corresponding amount in determining the agent's payment background account; and from the pre-stored In the corresponding relationship between the user payment background account and the mapping account of the card local account, determine the mapping account corresponding to the determined user payment background account, and perform the operation of deducting the corresponding amount from the determined mapping account.

Optionally, when the above system also includes POS, and the determined recharge strategy is to recharge the card local account stored in the user card by using the agent's payment background account, the POS can be divided into the following functional modules, specifically including:

The identification reading unit is used to read the user card identification from the user card; the information obtaining unit is used to obtain the recharge amount information and the recharging type information; the information sending unit is used to read the POS identification of the POS itself and the identification reading unit The user card identification obtained, the recharge amount information and the recharge type information obtained by the information obtaining unit are sent to the POS service platform 81; the recharge result receiving unit is used to execute the increase of the corresponding amount in the determined mapping account on the central payment platform 83 After the operation, the recharge result sent by the central payment platform 83 for instructing the agent to pay the background account and the current amount information in the mapping account; the verification request sending unit is used to receive the recharge result after the recharge result receiving unit receives the recharge result , send a verification request to the user card; the random number receiving unit is used to receive the random number fed back by the user card according to the verification request sent by the verification request sending unit; the verification code information generating unit is used to receive the random number and the random number received by the random number receiving unit The verification code generation algorithm agreed with the user card in advance generates the first verification code information and sends it to the user card; the confirmation message receiving unit is used to receive the first verification code information sent by the user card after comparing the verification code information generation unit with the user card The verification message sent after the second verification code information generated by the algorithm matches the random number and the algorithm; the update unit is configured to update the stored value in the user card according to the recharge result received by the recharge result receiving unit The amount information in the card's local account.

Optionally, in the embodiment of the present invention, the central payment platform 83 can be specifically divided into the following functional units, specifically including:

The information obtaining unit is used to obtain the verification code information read by the POS from the user card; the information determination unit is used to determine and determine the user payment background account from the pre-stored correspondence between the user payment background account and the verification code information Corresponding verification code information; a comparison unit, used to compare whether the verification code information determined by the information determination unit matches the verification code information obtained by the information obtaining unit; an amount adjustment unit, used to determine whether the comparison result obtained by the comparison unit is yes, According to the recharge type information and the recharge amount information, adjust the amount information in the determined user payment background account and the agent payment background account.

Optionally, the above system can further include POS, which can be divided into the following functional units: a request message sending unit, which is used to send a card reading request message carrying a read key to the user card; a card reading unit, which is used to After receiving the notification message of allowing POS card reading fed back by the user card, read the user card identification, wherein the notification message of allowing POS card reading is the reading of the POS with the pre-stored card reading authority judged by the user card The key contains the read key carried in the card reading request message sent by the request message sending unit; the information obtaining unit is used to obtain recharge amount information and recharge type information; the sending unit is used to transfer the POS itself The POS identification, the user card identification read by the card reading unit, the recharge amount information and the recharge type information obtained by the information obtaining unit are sent to the POS service platform 81 .

Correspondingly, the embodiment of the present invention also provides a POS service platform device, which specifically includes the following functional units:

The receiving unit is used to receive the POS identification sent by the POS, the recharge amount information, the recharge type information, and the user card identification read by the POS; the determination unit is used to determine from the pre-stored correspondence between the user card identification and the user identification. The user identification corresponding to the user card identification received by the unit, and from the corresponding relationship between the stored POS identification and the agency identification, determine the agency identification corresponding to the POS identification received by the receiving unit; the sending unit is used to recharge the received unit The amount information, recharge type information, and the user ID and agent ID determined by the determination unit are sent to the business operation support system BOSS.

In addition, the embodiment of the present invention also provides a BOSS, which includes the following functional units:

The receiving unit is used to receive the recharge amount information, recharge type information, user ID, and agent ID sent by the POS service platform; the determining unit is used to determine the receiving unit from the correspondence between the pre-stored user ID and the user's payment background account The user payment background account corresponding to the received user identification, and from the corresponding relationship between the pre-stored agent identification and the agency payment background account, determine the agency payment background account corresponding to the user identification received by the receiving unit; the sending unit is used for Send the recharge type information received by the receiving unit, the recharge amount information, and the determined user payment background account and agent payment background account determined by the determination unit to the central payment platform.

Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalent technologies, the present invention also intends to include these modifications and variations.

Claims (12)

1. A system for realizing account recharge, characterized in that it includes a POS service platform, a business operation support system BOSS and a central payment platform, wherein: The POS service platform is used to receive the POS ID sent by the POS, the recharge amount information, the recharge type information, the user card ID read by the POS, and determine the corresponding relationship with the POS sent from the pre-stored correspondence between the user card ID and the user ID. The user identification corresponding to the user card identification, and from the corresponding relationship between the stored POS identification and the agency identification, determine the agency identification corresponding to the POS identification sent by the POS; and the recharge amount information, recharge type information and the determined user identification and the agent ID are sent to the business operation support system BOSS; BOSS is used to determine the user payment background account corresponding to the user ID sent by the POS service platform from the corresponding relationship between the pre-stored user ID and the user payment background account, and to determine the user payment background account corresponding to the user ID sent by the POS service platform, and from the pre-stored agent ID and the agent payment background account. In the corresponding relationship, determine the agent payment background account corresponding to the user ID sent by the POS service platform; and send the recharge type information, recharge amount information, and the determined user payment background account and agent payment background account to the central payment platform; The central payment platform is used to adjust the amount information in the determined user payment background account and agent payment background account according to the recharge type information and recharge amount information. 2. The system according to claim 1, wherein the central payment platform specifically includes: A recharge strategy determining unit, configured to determine a recharge strategy corresponding to the recharge type information sent by the BOSS from the pre-stored correspondence between the recharge type information and the recharge strategy; and The recharging execution unit is used to perform deduction of the amount corresponding to the recharge amount information from the determined agent payment background account when the recharge strategy determined by the recharge strategy determination unit is to use the agent payment background account to recharge the user payment background account. Amount, the operation of increasing the corresponding amount in the determined user payment background account; When the recharge strategy determined by the recharge policy determination unit is to use the agent payment background account to recharge the card local account stored in the user card, perform the deduction of the corresponding amount from the determined agent payment background account, and in the determined user The operation of increasing the corresponding amount in the payment background account; and determining the mapping account corresponding to the determined user payment background account from the pre-stored correspondence between the user payment background account and the mapping account of the card local account, and Execute the operation of deducting the corresponding amount from the determined user payment background account and increasing the corresponding amount in the determined mapping account; When the recharge strategy determined by the recharge policy determination unit is to use the user's user payment background account to recharge the agent's payment background account, perform deduction from the determined user payment background account. The agent pays the operation of increasing the corresponding amount in the background account; When the recharge strategy determined by the recharge strategy determination unit is to use the user's card local account to recharge the agent's payment background account, from the pre-stored correspondence between the user's payment background account and the mapping account of the card local account, determine the The determined user pays the mapping account corresponding to the background account, and performs the operation of deducting the corresponding amount from the determined mapping account; and performs the operation of increasing the corresponding amount in the determined agent payment background account. 3. The system according to claim 2, characterized in that the system further comprises a POS, and when the determined recharge strategy is to recharge the card local account stored in the user card by using the agency payment background account, the POS specifically include: The identification reading unit is used to read the identification of the user card from the user card; An information obtaining unit, configured to obtain recharge amount information and recharge type information; The information sending unit is used to send the POS identification of the POS itself, the user card identification read by the identification reading unit, the recharge amount information and the recharge type information obtained by the information obtaining unit to the POS service platform; The recharge result receiving unit is used to receive the information sent by the central payment platform to instruct the agent to pay the background account and the current amount in the mapped account after the central payment platform executes the operation of increasing the corresponding amount in the determined mapping account Information recharge result; A verification request sending unit, configured to send a verification request to the user card after the recharge result receiving unit receives the recharge result; a random number receiving unit, configured to receive the random number fed back by the user card according to the verification request sent by the verification request sending unit; The verification code information generation unit is used to generate the first verification code information and send it to the user card according to the random number received by the random number receiving unit and the verification code generation algorithm pre-agreed with the user card; A confirmation message receiving unit, configured to receive that the first verification code information sent by the user card is matched with the second verification code information generated by the user card according to the random number and the algorithm after comparing the first verification code information sent by the verification code information generation unit The verification message sent later; An update unit, configured to update the amount information in the card local account stored in the user card according to the recharge result received by the recharge result receiving unit. 4. The system according to any one of claims 1 to 3, wherein the central payment platform specifically includes: An information obtaining unit, configured to obtain verification code information read by the POS from the user card; An information determination unit, configured to determine the verification code information corresponding to the determined user payment background account from the pre-stored correspondence between the user payment background account and the verification code information; A comparing unit, configured to compare whether the verification code information determined by the information determination unit matches the verification code information obtained by the information obtaining unit; The amount adjustment unit is used to adjust the amount information in the determined user payment background account and agent payment background account according to the recharge type information and recharge amount information when the comparison result obtained by the comparison unit is yes. 5. The system according to claim 1 or 2, wherein the system further comprises POS, and POS specifically comprises: A request message sending unit, configured to send a card reading request message carrying a reading key to the user card; The card reading unit is configured to read the user card identification after receiving the notification message of allowing POS card reading fed back by the user card, wherein the notification message of allowing POS card reading is determined after the user card determines that it is The prestored POS reading key with the card reading authority includes the reading key carried in the card reading request message sent by the request message sending unit and then sent; An information obtaining unit, configured to obtain recharge amount information and recharge type information; The sending unit is used to send the POS identification of the POS itself, the user card identification read by the card reading unit, the recharge amount information and the recharge type information obtained by the information obtaining unit to the POS service platform. 6. A method for recharging an account, comprising: The POS service platform receives the POS identification, recharge amount information, recharge type information sent by the sales terminal POS, and the user card identification read by the POS; The POS service platform determines the user ID corresponding to the user card ID sent by the POS from the pre-stored correspondence between the user card ID and the user ID, and determines the user ID corresponding to the POS sender ID from the stored corresponding relationship between the POS ID and the agent ID. The agent ID corresponding to the POS ID; The POS service platform sends the recharge amount information, recharge type information, and the determined user ID and agent ID to the business operation support system BOSS; BOSS determines the user payment background account corresponding to the user ID sent by the POS service platform from the corresponding relationship between the pre-stored user ID and the user payment background account, and determines the corresponding relationship between the pre-stored agent ID and the agent payment background account. , to determine the agency payment background account corresponding to the user ID sent by the POS service platform; BOSS sends the recharge type information, recharge amount information and the determined user payment background account and agent payment background account to the central payment platform; The central payment platform adjusts the amount information in the determined user payment background account and agent payment background account according to the recharge type information and recharge amount information. 7. The method according to claim 6, wherein the central payment platform adjusts the amount information in the determined user payment background account and agent payment background account according to the recharge type information and recharge amount information, specifically including: The central payment platform determines the recharge strategy corresponding to the recharge type information sent by the BOSS from the pre-stored correspondence between the recharge type information and the recharge strategy; and When the determined recharge strategy is to recharge the user’s payment background account by using the agent’s payment background account, the amount corresponding to the recharge amount information is deducted from the determined agent’s payment background account, and the amount corresponding to the recharge amount information is deducted from the determined user’s payment background account. The operation of increasing the corresponding amount; When the determined recharge strategy is to use the agent payment background account to recharge the card local account stored in the user card, the corresponding amount is deducted from the determined agent payment background account, and in the determined user payment background account The operation of increasing the corresponding amount; and from the pre-stored correspondence between the user payment background account and the mapping account of the card local account, determine the mapping account corresponding to the determined user payment background account, and execute from the determined The operation of deducting the corresponding amount from the user's payment background account and adding the corresponding amount to the determined mapping account; When the determined recharge strategy is to use the user’s user payment background account to recharge the agent’s payment background account, the amount corresponding to the recharge amount information is deducted from the determined user’s payment background account, and the amount corresponding to the recharge amount information is deducted from the determined user payment background account. The operation of increasing the corresponding amount in the account; When the determined recharge strategy is to use the user's card local account to recharge the agent's payment background account, from the pre-stored correspondence between the user's payment background account and the mapping account of the card local account, determine the corresponding relationship with the determined user payment account. The mapping account corresponding to the background account, and performing the operation of deducting the corresponding amount from the determined mapping account; and performing the operation of increasing the corresponding amount in determining that the agent pays the background account. 8. The method according to claim 7, characterized in that, when the determined recharge strategy is to use the agent's payment background account to recharge the card local account stored in the user's card, the central payment platform executes the recharge in the determined mapped account After the operation of increasing the corresponding amount in the above, it also includes: After receiving the recharge result sent by the central payment platform for instructing the agent to pay the background account and the current amount information in the mapped account, the POS sends a verification request to the user card and receives feedback from the user card according to the verification request. the random number; The POS generates the first verification code information and sends it to the user card according to the random number and the verification code generation algorithm pre-agreed with the user card; The POS receives the verification confirmation message sent by the user card after comparing the first verification code information with the second verification code information generated by the user card according to the random number and the algorithm; The POS updates the amount information in the card local account stored in the user card according to the recharge result. 9. The method according to any one of claims 6-8, wherein the central payment platform adjusts the amount information in the determined user payment background account and agent payment background account according to the recharge type information and recharge amount information , including: The central payment platform obtains the verification code information read by the POS from the user card; The central payment platform determines the verification code information corresponding to the determined user payment background account from the pre-stored correspondence between the user payment background account and the verification code information; When the central payment platform compares the determined verification code information with the read verification code information, it adjusts the amount information in the determined user payment background account and agent payment background account according to the recharge type information and recharge amount information . 10. The method according to claim 6 or 7, wherein the POS realizes reading the user card identification through the following steps: The POS sends a card reading request message bearing the reading key to the user card; and POS reads the user card identification after receiving the notification message of allowing POS card reading fed back by the user card; wherein, the notification message of allowing POS card reading is determined when the user card has pre-stored the card reading function. The permission reading key is sent after the reading key carried in the card reading request message is included. 11. A POS service platform device, characterized in that it comprises: The receiving unit is used to receive the POS identification sent by the POS, the recharge amount information, the recharge type information, and the user card identification read by the POS; The determination unit is configured to determine the user identification corresponding to the user card identification received by the receiving unit from the pre-stored correspondence between the user card identification and the user identification, and determine the received POS identification from the stored correspondence between the POS identification and the agent identification. The agent ID corresponding to the POS ID received by the unit; The sending unit is configured to send the recharge amount information, recharge type information received by the receiving unit, and the user ID and agent ID determined by the determining unit to the business operation support system BOSS. 12. A business operation support system, comprising: The receiving unit is used to receive the recharge amount information, recharge type information, user identification and agent identification sent by the POS service platform; The determination unit is configured to determine the user payment background account corresponding to the user identification received by the receiving unit from the pre-stored correspondence between the user identification and the user payment background account, and determine the user payment background account from the pre-stored agent identification and the agent payment background account. In the corresponding relationship, determine the agency payment background account corresponding to the user identification received by the receiving unit; The sending unit is configured to send the recharge type information received by the receiving unit, the recharge amount information and the determined user payment background account and agent payment background account determined by the determination unit to the central payment platform.