CN102647809B - Method for implanting PBOC (People's Bank Of China) data processing module into mobile communication terminal - Google Patents
Method for implanting PBOC (People's Bank Of China) data processing module into mobile communication terminal Download PDFInfo
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Abstract
The invention discloses a method for implanting a data processing module based on the standard of a PBOC (People's Bank Of China) bank card into a wireless mobile communication terminal. The mobile communication terminal comprises a terminal operational system core module arranged in a CPUT (central processing unit terminal), an API (Application Programming Interface) module of a terminal SDK (Software Development Kit), a terminal application programming module, a driving-layer module, a wireless network transceiving module and a data storage module. According to the method, a PBOC core module, a PBOC application extension module, an API module of a PBOC SDK, a PBOC client application module and a PSAM (Purchase Security Application Module) card interface module of a terminal safety control module, which are based on the standard of the PBOC bank card, are arranged in the wireless mobile communication terminal, so the wireless communication terminal can be used for performing bank transaction under the condition that the safety is guaranteed and the standard specification of PBOC is accorded with.
Description
Technical field
The present invention relates to the method for integration circuit card in wireless communication terminal, particularly relate to the method integrated in mobile communication terminal and meet the integrated circuit card module of certain concrete industry standard.
Background technology
The bank card standard that People's Bank of China People ' s Bank Of China carries out, being called for short PBOC standard, is be Continental Europe card Europay, the Master Card Mastercard of EMV standard and a kind of bank card standard of Visa Card Visa bank card standard parallel with abbreviation.The current integrated circuit IC-card based on PBOC standard is the point-of-sale terminal Point Of Sale machine by trade company mostly, is called for short POS, or auto-teller Automated Teller Machine, is called for short ATM and realizes bank transaction business.Along with Network Based, especially based on financial commercial activity universal of wireless network, described financial commercial activity such as realizes shopping online, online account transfer, online payment etc. on mobile radio terminal, requires a kind ofly to be convenient to realize financial transaction by wireless network and the mode of doing business meeting PBOC standard.
The prior art solution technology of radio mobile communication terminal link the Internet, but in view of the bank card based on PBOC standard is to the requirement of transaction security, also do not realized the method for bank transaction safely by mobile radio terminal.In order to not affect the advantage of radio mobile communication terminal portability and ease for operation, prior art is difficult to be applied in wireless communication terminal for the USBKEY Secure Transaction pattern of wired internet network; And prior art is implemented on the described Secure Transaction measure such as account binding, dynamic password based on the IC-card of PBOC standard and is also difficult to be used on radio mobile communication terminal and does not affect its operation ease.Therefore, a kind of method realizing meeting the bank transaction pattern of PBOC standard on radio mobile communication terminal is needed.
Summary of the invention
The technical problem to be solved in the present invention is avoid the deficiencies in the prior art part and propose a kind of method being embedded in financial transaction module at wireless communication terminal, makes this wireless communication terminal can implement bank transaction under the condition meeting PBOC standard criterion when guaranteeing fail safe.
The present invention solve the technical problem can by realizing by the following technical solutions:
Implement a kind of method being implanted into the data processing module based on PBOC bank card standard at radio mobile communication terminal, institute
State mobile communication terminal to comprise and be arranged at terminal central processing unit CPU
tinterior terminal operating system nucleus module, and the application programming interface API module of terminal software kit SDK, end application module, driving layer module, wireless network transceiver module and data memory module.Described terminal operating system nucleus module by the application programming interface API module of described terminal software kit SDK and described end application module transfer data, and transmits data with described wireless network transceiver module and data memory module respectively by described driving layer module.Described method comprises the steps:
A. PBOC central processor CPU is set in described mobile communication terminal
p, at this PBOC central processor CPU
pinterior setting can transmit mutually PBOC nucleus module and the PBOC application extension module of data.Described PBOC nucleus module transmits data by described driving layer module and described terminal operating system nucleus module;
B., the terminal safety control module PSAM card interface module being used for setting up transfer of data between terminal safety control module PSAM card and described PBOC nucleus module is set in described mobile communication terminal;
C. PBOC client application module is set in described mobile communication terminal, and for the application programming interface API module of the PBOC software development kit SDK that transmits data in this PBOC client application module and described terminal operating system nucleus module;
E. initiatively initiate director data or the director data from wireless network according to user, described terminal operating system nucleus module is worked in coordination with each module in described mobile communication terminal and is realized the process of exchange based on PBOC standard.
Described step e comprises as follows step by step:
E1. initiatively initiate director data or the director data from wireless network according to user, judge to determine type of transaction; Described type of transaction comprises inquiry transaction, payment transaction, payment transaction, money transfer transactions and circle are deposited/enclosed and get transaction;
E2. described in the type of transaction determined according to E1 step by step and step e 1, user initiatively initiates director data or the director data from wireless network, the transaction step of execution respective transaction type;
E3. the described process of exchange based on PBOC standard is completed.
When described E1 step by step judge type of transaction be payment transaction, payment transaction and money transfer transactions time, described E2 step by step comprise following step by step:
E22. described terminal operating system nucleus module controls described end application module startup terminal payment application;
E23. the information in the described PBOC nucleus module of this terminal and PBOC application extension module is initiated online validation by wireless network transceiver module by described terminal operating system nucleus module; Online validation failure, stops terminal payment application described in E22 step by step; Online validation success, below performing step by step;
E24. initiatively initiate director data or the director data from wireless network according to user, collect transaction data;
E25. described terminal operating system nucleus module transmits transaction data described in E24 step by step to described PBOC nucleus module, and requires that described PBOC nucleus module performs enchashment operation;
E26. described PBOC nucleus module controls described PBOC application extension module and performs enchashment operating application program; Described terminal operating system nucleus module starts PBOC interactive interface, for transmitting with described PBOC nucleus module intermediate data of concluding the business;
E27. described terminal operating system nucleus module receive described PBOC nucleus module feedback enchashment operation sequence complete information after, upload enchashment execution result to finance data processing center by wireless network transceiver module, namely return enchashment after described finance data processing center completes transaction and complete information; When described terminal operating system nucleus module to receive after described enchashment completes information by wireless network transceiver module, notify described PBOC nucleus module;
E28. described PBOC nucleus module performs the shell script that enchashment completes, and described terminal operating system nucleus module controls display transaction results information.
Described E24 step by step adopts corresponding processing procedure respectively for different types of transaction, when described E1 judges that type of transaction is payment transaction step by step time, described E24 step by step also comprise following step by step:
E2411. read the director data from wireless network, extract wherein for the data of payment transaction as transaction data;
When described E1 step by step judges that type of transaction is payment transaction, described E24 step by step also comprises as follows step by step:
E2421. require user input instruction data, namely require that user inputs the payment information for described payment transaction;
E2422. read payment information described in E2421 step by step, the payment data that extraction is wherein concluded the business for paying the fees are as transaction data.
When described E1 judges that type of transaction is money transfer transactions step by step time, described E24 step by step also comprise following step by step:
E2431. require user input instruction data, namely require that user inputs the remittance information for described money transfer transactions;
E2432. described terminal operating system nucleus module is by the described remittance information of the online confirmation of described wireless network transceiver module;
E2433. read the described remittance information confirmed through E2432 step by step, extract wherein for the remittance data of money transfer transactions as transaction data.
When described E1 step by step judge type of transaction be circle get/enclose deposit transaction time, described E2 step by step comprises as follows step by step:
E224. described terminal operating system nucleus module controls described end application module and starts terminal circle and get/enclose and deposit application program;
E234. the information in the described PBOC nucleus module of this terminal and PBOC application extension module is initiated online validation by wireless network transceiver module by described terminal operating system nucleus module;
Online validation success, below performing step by step,
E2441. require user input instruction data, namely require that user inputs and get or enclose the information of depositing for described circle;
E2442. reading information described in E2441 step by step, extracting wherein for enclosing the data of getting or enclosing and depositing transaction as transaction data;
E254. described terminal operating system nucleus module is to transaction data described in described PBOC nucleus module transmitting step E2442, and requires that described PBOC nucleus module performs circle and gets or enclose and deposit operation;
E264. described PBOC nucleus module controls described PBOC application extension module and performs circle and get or enclose and deposit operating application program; Described terminal operating system nucleus module starts PBOC interactive interface, for transmitting with described PBOC nucleus module intermediate data of concluding the business;
E274. the circle that described terminal operating system nucleus module receives described PBOC nucleus module feedback is got or is enclosed and deposits after operation sequence completes information, upload circle by wireless network transceiver module and get or enclose the execution result deposited to finance data processing center, namely return circle after described finance data processing center completes transaction and get or enclose the information of having deposited; When described terminal operating system nucleus module to receive after described circle gets or enclose the information of having deposited by wireless network transceiver module, notify described PBOC nucleus module;
E284. described PBOC nucleus module performs circle and gets or enclose the shell script deposited, and described terminal operating system nucleus module controls display transaction results information.
In order to strengthen data security, also comprise the steps: between step C and step e
D., the code keypad interface module being used for external code keypad is set in described mobile communication terminal, and for expanding the expansion connection module of other module; Described code keypad interface module is by described PBOC nucleus module to described PBOC application extension module transfer data, and described expansion connection module and described PBOC nucleus module transmit data mutually.
For the ease of expansion, described radio mobile communication terminal also comprises external apparatus interface module.This external apparatus interface module transmits data mutually by described driving layer module and described terminal operating system nucleus module.
Specifically, the wireless network that described wireless network transceiver module is suitable for comprises less radio-frequency RF network, based on the wireless network of general packet radio service GPRS technology, the wireless network based on code division multiple access CDMA technology, the wireless network of code division multiple access TD-CDMA technology based on time division synchronous and the wireless network based on Wideband-CDMA WCDMA technology.
Compared with the existing technology comparatively, the present invention " is implanted into the method for PBOC data processing module " technique effect at mobile communication terminal is:
1. as radio mobile communication terminal core terminal operating system nucleus module with for realizing the PBOC nucleus module of concluding the business and PBOC application extension module is independently arranged on respective central processor CPU
t, CPU
pin, completely isolated on hardware, ensure that Information Security;
2. in trading processing process, the core procedure realizing transaction is all complete independently in described PBOC nucleus module and PBOC application extension module, and in process of exchange, do not relate to the transaction data of user profile by the process of described terminal operating system nucleus module, make core transaction process also carry out under completely isolated condition, further ensure that transaction security.
Accompanying drawing explanation
Fig. 1 is the modular structure schematic diagram of the present invention's preferred embodiment that " is implanted into the method for PBOC data processing module at mobile communication terminal ";
Fig. 2 is preferred embodiment of the present invention trading processing process flow schematic diagram;
Fig. 3 is the payment transaction of described preferred embodiment, the flow chart of data processing schematic diagram of pay the fees transaction and money transfer transactions;
The schematic flow sheet of transaction data is collected when Fig. 4 is described preferred embodiment payment transaction;
Fig. 5 collects the schematic flow sheet of transaction data when being described preferred embodiment payment transaction;
The schematic flow sheet of money transfer transactions data when Fig. 6 is described preferred embodiment payment transaction;
Fig. 7 is that the flow chart of data processing schematic diagram depositing transaction is got/enclosed to the circle of described preferred embodiment.
Embodiment
Be described in further detail below in conjunction with accompanying drawing illustrated embodiment.
The present invention proposes a kind of method being implanted into the data processing module based on PBOC bank card standard at radio mobile communication terminal, and as shown in Figure 1, described mobile communication terminal comprises and is arranged at terminal central processing unit CPU
tinterior terminal operating system nucleus module 21, and the application programming interface API module 22 of terminal software kit SDK, end application module 23, driving layer module 24, wireless network transceiver module 25 and data memory module 26.Described SDK is the English abbreviation of software development kit Software Development Kit; Described API is the English abbreviation of application programming interface Application Programming Interface.Described terminal operating system nucleus module 21 transmits data by the application programming interface API module 22 of described terminal software kit SDK with described end application module 23, and transmits data with described wireless network transceiver module 25 and data memory module 26 respectively by described driving layer module 24.Described method comprises the steps:
A. PBOC central processor CPU is set in described mobile communication terminal
p, at this PBOC central processor CPU
pinterior setting can transmit mutually PBOC nucleus module 11 and the PBOC application extension module 12 of data; Described PBOC nucleus module 11 transmits data by described driving layer module 24 with described terminal operating system nucleus module 21; Described PBOC nucleus module 11 and PBOC application extension module 12 run on independently in PBOC central processor CPU, have independently secure memory space, are definitely separated with terminal operating system nucleus module 21; Described PBOC nucleus module 11 mainly realizes relationship trading handling process in PBOC specification, upwards provides application interface to the driving layer module 24 of PBOC application extension module 12 and terminal operating system nucleus module 21; Described PBOC application extension module 12 is mainly used in bridge joint dependent event, circularizes terminal operating system nucleus module 21, is responsible for the maintenance and management of relationship trading safety, controls event interaction process;
B., the terminal safety control module PSAM card interface module 15 being used for setting up transfer of data between terminal safety control module PSAM card and described PBOC nucleus module 11 is set in described mobile communication terminal; Described PSAM is the English abbreviation of terminal safety control module Purchase Security Application Module;
C. PBOC client application module 14 is set in described mobile communication terminal, and for transmitting the application programming interface API module 13 of the PBOC software development kit SDK of data at this PBOC client application module 14 and described terminal operating system nucleus module 21;
E. initiatively initiate director data or the director data from wireless network according to user, described terminal operating system nucleus module 21 is worked in coordination with each module in described mobile communication terminal and is realized the process of exchange based on PBOC standard.
The application programming interface API module 13 of described PBOC nucleus module 11, PBOC application extension module 12, PBOC software development kit SDK, PBOC client application module 14 and terminal safety control module PSAM card interface module 15 form the data processing module based on PBOC bank card standard.As mentioned above, terminal operating system nucleus module 21 is arranged at terminal central processing unit CPU
t, PBOC nucleus module 11 and PBOC application extension module 12 are arranged at independent of described terminal central processing unit CPU
tpBOC central processor CPU
p, make PBOC nucleus module 11 and terminal system nucleus module 21 completely isolated, ensure that the fail safe of data processing.
As shown in Figure 2, as the embodiment of concrete flow chart of data processing, described step e comprises as follows step by step:
E1. according to initiatively initiating director data as flow process 51 indication user or if flow process 52 indication is from the director data of wireless network, in flow process 6 indication step, judging to determine type of transaction; Described type of transaction comprises inquiry transaction, payment transaction, payment transaction, money transfer transactions and circle are deposited/enclosed and get transaction;
E2. as flow process 7 indication step, described in the type of transaction determined according to E1 step by step and step e 1, user initiatively initiates director data or the director data from wireless network, performs the transaction step of respective transaction type;
E3. as flow process 9 indication step, the described process of exchange based on PBOC standard is completed.
Specifically, as shown in Figure 3, when described E1 step by step judge type of transaction be payment transaction, payment transaction and money transfer transactions time, described E2 step by step comprise following step by step:
E22. as flow process 71 indication, described terminal operating system nucleus module 21 controls described end application module 23 and starts terminal payment application;
E23. as flow process 72 indication, the information in the described PBOC nucleus module 11 of this terminal and PBOC application extension module 12 is initiated online validation by wireless network transceiver module 25 by described terminal operating system nucleus module 21;
As flow process 73 indication, online validation failure, stops terminal payment application described in E22 step by step; Online validation success, below performing step by step;
E24. as flow process 74 indication, initiatively initiate director data or the director data from wireless network according to user, collect transaction data;
E25. as flow process 75 indication, described terminal operating system nucleus module 21 transmits transaction data described in E24 step by step to described PBOC nucleus module 11, and requires that described PBOC nucleus module 11 performs enchashment operation;
E26. as flow process 76 indication, described PBOC nucleus module 11 controls described PBOC application extension module 12 and performs enchashment operating application program; As flow process 77 indication, described terminal operating system nucleus module 21 starts PBOC interactive interface, for transmitting with described PBOC nucleus module 11 intermediate data of concluding the business;
E27. as flow process 78 indication, described terminal operating system nucleus module 21 receive described PBOC nucleus module 11 feedback enchashment operation sequence complete information after, as flow process 79 indication, enchashment execution result is uploaded to finance data processing center by wireless network transceiver module 25, as flow process 80 indication, namely return enchashment after described finance data processing center completes transaction and complete information; Described finance data processing center refers to that credit card issuer or the relevant financial transaction transaction accepted a little are provided and focuses on server; Flow process 80 puts under in corresponding account for the fund related to of generation being concluded the business, the account that the account of paying the bill as received, reception are paid the fees, the account etc. receiving remittance; When described terminal operating system nucleus module 21 to receive after described enchashment completes information by wireless network transceiver module 25, notify described PBOC nucleus module 11;
E28. as flow process 82 indication, described PBOC nucleus module 11 performs the shell script that enchashment completes, and as flow process 81 indication, described terminal operating system nucleus module 21 controls display transaction results information.
Described transaction data process of collecting described in E24 step by step also can be specially following flow process:
When described E1 judges that type of transaction is payment transaction step by step time, described payment transaction is all initiated by the instruction from wireless network usually, such as, containing the note of payment information, so, described E24 step by step also comprise following step by step:
E2411. as flow process 7411 indication of Fig. 4, read the director data from wireless network, extract wherein for the data of payment transaction as transaction data;
When described E1 step by step judges that type of transaction is payment transaction, described payment transaction is all initiated by the instruction from user usually, and described E24 step by step also comprises as follows step by step, as shown in Figure 5:
E2421. as flow process 7421 indication, require user input instruction data, namely require that user inputs the payment information for described payment transaction;
E2422. as flow process 7422 indication, read payment information described in E2421 step by step, the payment data that extraction is wherein concluded the business for paying the fees are as transaction data.
When described E1 judges that type of transaction is money transfer transactions step by step time, described payment transaction is all initiated by the instruction from user usually, described E24 step by step also comprise following step by step, as shown in Figure 6:
E2431. as flow process 7431 indication, require user input instruction data, namely require that user inputs the remittance information for described money transfer transactions;
E2432. as flow process 7432 indication, described terminal operating system nucleus module 21 is by the described remittance information of the online confirmation of described wireless network transceiver module;
E2433. as flow process 7433 indication, read the described remittance information confirmed through E2432 step by step, extract wherein for the remittance data of money transfer transactions as transaction data.
As shown in Figure 7, when described E1 step by step judge type of transaction be circle get/enclose deposit transaction time, described E2 step by step comprises as follows step by step:
E224. as flow process 714 indication, described terminal operating system nucleus module 21 controls described end application module 23 and starts terminal circle and get/enclose and deposit application program;
E234. as flow process 724 indication, the information in the described PBOC nucleus module 11 of this terminal and PBOC application extension module 12 is initiated online validation by wireless network transceiver module 25 by described terminal operating system nucleus module 21;
As flow process 734 indication, online validation success, below performing step by step,
E2441. as flow process 7441 indication, require user input instruction data, namely require that user inputs and get or enclose the information of depositing for described circle;
E2442. as flow process 7442 indication, reading information described in E2441 step by step, extracting wherein for enclosing the data of getting or enclosing and depositing transaction as transaction data;
E254. as flow process 754 indication, described terminal operating system nucleus module 21 to transaction data described in described PBOC nucleus module 11 transmitting step E2442, and requires that described PBOC nucleus module 11 performs circle and gets or enclose and deposit operation;
E264. as flow process 764 indication, described PBOC nucleus module 11 controls described PBOC application extension module 12 and performs circle and get or enclose and deposit operating application program; As flow process 774 indication, described terminal operating system nucleus module 21 starts PBOC interactive interface, for transmitting with described PBOC nucleus module 11 intermediate data of concluding the business;
E274. as flow process 784 indication, the circle that described terminal operating system nucleus module 21 receives described PBOC nucleus module 11 feedback is got or is enclosed and deposits after operation sequence completes information, as flow process 794 indication, upload circle by wireless network transceiver module 25 and get or enclose the execution result deposited to finance data processing center, as flow process 804 indication, namely return circle after described finance data processing center completes transaction and get or enclose the information of having deposited; When described terminal operating system nucleus module 21 to receive after described circle gets or enclose the information of having deposited by wireless network transceiver module 25, notify described PBOC nucleus module 11;
E284. as flow process 824 indication, described PBOC nucleus module 11 performs circle and gets or enclose the shell script deposited, and as flow process 814 indication, described terminal operating system nucleus module 21 controls display transaction results information.
As shown in Figure 3 and Figure 7, left-half flow process is all complete under described terminal operating system nucleus module 21 controls, right half part flow process is all complete under having described PBOC nucleus module 11 to control, namely work in coordination with each module at the core procedure of the substandard process of exchange of PBOC by described PBOC nucleus module 11 to complete, and do not relate to the transaction data of user profile by the process of described terminal operating system nucleus module, make core transaction process also carry out under completely isolated condition, further ensure that transaction security.
In order to improve confidentiality, also comprise the steps: between step C and step e
D., the code keypad interface module 16 being used for external code keypad is set in described mobile communication terminal, and for expanding the expansion connection module 17 of other module; Described code keypad interface module 16 transmits data by described PBOC nucleus module 11 to described PBOC application extension module 12, and described expansion connection module 17 transmits data mutually with described PBOC nucleus module 11.
For ease of termination extension peripheral hardware, described radio mobile communication terminal also comprises external apparatus interface module 27; This external apparatus interface module 27 transmits data by described driving layer module 24 mutually with described terminal operating system nucleus module 21.
The wireless network that described wireless network transceiver module 25 is suitable for comprises less radio-frequency RF network, based on the wireless network of general packet radio service GPRS technology, the wireless network based on code division multiple access CDMA technology, the wireless network of code division multiple access TD-CDMA technology based on time division synchronous and the wireless network based on Wideband-CDMA WCDMA technology.
Claims (9)
1. be implanted into a method for the data processing module based on PBOC bank card standard at radio mobile communication terminal, described mobile communication terminal comprises and is arranged at terminal central processing unit CPU
tinterior terminal operating system nucleus module (21), and the application programming interface API module (22) of terminal software kit SDK, end application module (23), driving layer module (24), wireless network transceiver module (25) and data memory module (26); Described terminal operating system nucleus module (21) transmits data by the application programming interface API module (22) of described terminal software kit SDK with described end application module (23), and transmits data with described wireless network transceiver module (25) and data memory module (26) respectively by described driving layer module (24); It is characterized in that described method comprises the steps:
A. PBOC central processor CPU is set in described mobile communication terminal
p, at this PBOC central processor CPU
pinterior setting can transmit mutually PBOC nucleus module (11) and the PBOC application extension module (12) of data; Described PBOC nucleus module (11) transmits data by described driving layer module (24) and described terminal operating system nucleus module (21);
B., the terminal safety control module PSAM card interface module (15) being used for setting up transfer of data between terminal safety control module PSAM card and described PBOC nucleus module (11) is set in described mobile communication terminal;
C. PBOC client application module (14) is set in described mobile communication terminal, and for transmitting the application programming interface API module (13) of the PBOC software development kit SDK of data this PBOC client application module (14) and described terminal operating system nucleus module (21);
E. initiatively initiate director data or the director data from wireless network according to user, in the collaborative described mobile communication terminal of described terminal operating system nucleus module (21), each module realizes the process of exchange based on PBOC standard, comprises as follows step by step,
E1. initiatively initiate director data or the director data from wireless network according to user, judge to determine type of transaction; Described type of transaction comprises inquiry transaction, payment transaction, payment transaction, money transfer transactions and circle are deposited/enclosed and get transaction;
E2. described in the type of transaction determined according to E1 step by step and step e 1, user initiatively initiates director data or the director data from wireless network, the transaction step of execution respective transaction type;
E3. the described process of exchange based on PBOC standard is completed.
2. the method being implanted into the data processing module based on PBOC bank card standard at radio mobile communication terminal according to claim 1, is characterized in that:
When described E1 step by step judge type of transaction be payment transaction, payment transaction and money transfer transactions time, described E2 step by step comprise following step by step:
E22. described terminal operating system nucleus module (21) controls described end application module (23) startup terminal payment application;
E23. the information in the described PBOC nucleus module (11) of this terminal and PBOC application extension module (12) is initiated online validation by wireless network transceiver module (25) by described terminal operating system nucleus module (21);
Online validation failure, stops terminal payment application described in E22 step by step; Online validation success, below performing step by step;
E24. initiatively initiate director data or the director data from wireless network according to user, collect transaction data;
E25. described terminal operating system nucleus module (21) transmits transaction data described in E24 step by step to described PBOC nucleus module (11), and requires that described PBOC nucleus module (11) performs enchashment operation;
E26. described PBOC nucleus module (11) controls described PBOC application extension module (12) and performs enchashment operating application program; Described terminal operating system nucleus module (21) starts PBOC interactive interface, for transmitting with described PBOC nucleus module (11) intermediate data of concluding the business;
E27. described terminal operating system nucleus module (21) receives after enchashment operation sequence that described PBOC nucleus module (11) feeds back completes information, upload enchashment execution result to finance data processing center by wireless network transceiver module (25), namely return enchashment after described finance data processing center completes transaction and complete information; When described terminal operating system nucleus module (21) to receive after described enchashment completes information by wireless network transceiver module (25), notify described PBOC nucleus module (11);
E28. described PBOC nucleus module (11) performs the shell script that enchashment completes, and described terminal operating system nucleus module (21) controls display transaction results information.
3. the method being implanted into the data processing module based on PBOC bank card standard at radio mobile communication terminal according to claim 2, is characterized in that:
When described E1 judges that type of transaction is payment transaction step by step time, described E24 step by step also comprise following step by step:
E2411. read the director data from wireless network, extract wherein for the data of payment transaction as transaction data.
4. the method being implanted into the data processing module based on PBOC bank card standard at radio mobile communication terminal according to claim 2, is characterized in that:
When described E1 step by step judges that type of transaction is payment transaction, described E24 step by step also comprises as follows step by step:
E2421. require user input instruction data, namely require that user inputs the payment information for described payment transaction;
E2422. read payment information described in E2421 step by step, the payment data that extraction is wherein concluded the business for paying the fees are as transaction data.
5. the method being implanted into the data processing module based on PBOC bank card standard at radio mobile communication terminal according to claim 2, is characterized in that:
When described E1 judges that type of transaction is money transfer transactions step by step time, described E24 step by step also comprise following step by step:
E2431. require user input instruction data, namely require that user inputs the remittance information for described money transfer transactions;
E2432. described terminal operating system nucleus module (21) is by the described remittance information of the online confirmation of described wireless network transceiver module;
E2433. read the described remittance information confirmed through E2432 step by step, extract wherein for the remittance data of money transfer transactions as transaction data.
6. the method being implanted into the data processing module based on PBOC bank card standard at radio mobile communication terminal according to claim 1, is characterized in that:
When described E1 step by step judge type of transaction be circle get/enclose deposit transaction time, described E2 step by step comprises as follows step by step:
E224. described terminal operating system nucleus module (21) controls described end application module (23) and starts terminal circle and get/enclose and deposit application program;
E234. the information in the described PBOC nucleus module (11) of this terminal and PBOC application extension module (12) is initiated online validation by wireless network transceiver module (25) by described terminal operating system nucleus module (21);
Online validation success, below performing step by step,
E2441. require user input instruction data, namely require that user inputs and get or enclose the information of depositing for described circle;
E2442. reading information described in E2441 step by step, extracting wherein for enclosing the data of getting or enclosing and depositing transaction as transaction data;
E254. described terminal operating system nucleus module (21) is to transaction data described in described PBOC nucleus module (11) transmitting step E2442, and requires that described PBOC nucleus module (11) performs circle and gets or enclose and deposit operation;
E264. described PBOC nucleus module (11) controls described PBOC application extension module (12) and performs circle and get or enclose and deposit operating application program; Described terminal operating system nucleus module (21) starts PBOC interactive interface, for transmitting with described PBOC nucleus module (11) intermediate data of concluding the business;
E274. described terminal operating system nucleus module (21) receives circle that described PBOC nucleus module (11) feeds back and gets or enclose and deposit after operation sequence completes information, upload circle by wireless network transceiver module (25) and get or enclose the execution result deposited to finance data processing center, namely return circle after described finance data processing center completes transaction and get or enclose the information of having deposited; When described terminal operating system nucleus module (21) to receive after described circle gets or enclose the information of having deposited by wireless network transceiver module (25), notify described PBOC nucleus module (11);
E284. described PBOC nucleus module (11) performs circle and gets or enclose the shell script deposited, and described terminal operating system nucleus module (21) controls display transaction results information.
7. the method being implanted into the data processing module based on PBOC bank card standard at radio mobile communication terminal according to claim 1, is characterized in that:
Also comprise the steps: between step C and step e
D., the code keypad interface module (16) being used for external code keypad is set in described mobile communication terminal, and the expansion connection module (17) for expanding other module; Described code keypad interface module (16) is by described PBOC nucleus module (11) to described PBOC application extension module (12) transmission data, and described expansion connection module (17) and described PBOC nucleus module (11) transmit data mutually.
8. the method being implanted into the data processing module based on PBOC bank card standard at radio mobile communication terminal according to claim 1, is characterized in that:
Described radio mobile communication terminal also comprises external apparatus interface module (27); This external apparatus interface module (27) transmits data mutually by described driving layer module (24) and described terminal operating system nucleus module (21).
9. the method being implanted into the data processing module based on PBOC bank card standard at radio mobile communication terminal according to claim 1, is characterized in that:
The wireless network that described wireless network transceiver module (25) is suitable for comprises less radio-frequency RF network, based on the wireless network of general packet radio service GPRS technology, the wireless network based on code division multiple access CDMA technology, the wireless network of code division multiple access TD-CDMA technology based on time division synchronous and the wireless network based on Wideband-CDMA WCDMA technology.
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| CN105894076A (en) * | 2014-12-15 | 2016-08-24 | 璁镐赴 | Credible authentication interconnection and intercommunication PSAM card |
| CN108846469A (en) * | 2018-06-28 | 2018-11-20 | 中国建设银行股份有限公司 | Financial IC card exchange method, device and readable storage medium storing program for executing |
| CN111639350B (en) * | 2020-05-16 | 2023-01-31 | 中信银行股份有限公司 | Cipher service system and encryption method |
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| CN101334913A (en) * | 2008-05-08 | 2008-12-31 | 上海柯斯软件有限公司 | Method for receiving and processing multi-terminal information by self-adapting SIM chip operating system |
| CN101908120A (en) * | 2009-06-02 | 2010-12-08 | 上海复旦微电子股份有限公司 | Method for realizing all-in-one function of single intelligent card |
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| CN101334913A (en) * | 2008-05-08 | 2008-12-31 | 上海柯斯软件有限公司 | Method for receiving and processing multi-terminal information by self-adapting SIM chip operating system |
| CN101908120A (en) * | 2009-06-02 | 2010-12-08 | 上海复旦微电子股份有限公司 | Method for realizing all-in-one function of single intelligent card |
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