CN103699994B - A kind of method and system that space transference is carried out to mobile terminal stored value card - Google Patents
A kind of method and system that space transference is carried out to mobile terminal stored value card Download PDFInfo
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- CN103699994B CN103699994B CN201410004261.0A CN201410004261A CN103699994B CN 103699994 B CN103699994 B CN 103699994B CN 201410004261 A CN201410004261 A CN 201410004261A CN 103699994 B CN103699994 B CN 103699994B
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
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Abstract
The present invention relates to a kind of method and system that space transference is carried out to mobile terminal stored value card.The method that mobile terminal stored value card carries out space transference is included：Step a：Client sends stored value card circle and deposits request, and client sends the instruction of more new message file to client identification module, and short message content obtains mobile terminal e-wallet information to include；Step b：More new message file instruction is received by client identification module and short message file is intercepted, and by corresponding e-wallet information write-in client identification module short message file；Step c：By client short message reading file and e-wallet information is obtained, carry out circle according to e-wallet information and application platform and payment platform and deposit to interact, the circle completed on payment platform is deposited；Step d：Client deposits result according to the circle on payment platform, and to the short message file that the circle of stored value card containing mobile terminal deposits request is write in client identification module, client identification module interception short message file completes mobile terminal stored value card circle and deposits according to short message content.
Description
Technical field
The present invention relates to mobile payment technical field, more particularly to a kind of space transference is carried out to mobile terminal stored value card
Method and system.
Background technology
Radio-frequency SIM card, the mobile payment service based on RFID has also flourished in worldwide.It is traditional compared to rising
The contactless application of IC-card mode, mobile phone intelligent card in addition to possessing the facility carried with, can by mobile phone screen realize with
Interaction between user, while the data channel that be provided of mobile phone can also be utilized to realize being interacted with background system, so that reality
The management function of the mobile phone electronic wallets such as stored value card is supplemented with money, consumer record is inquired about, that is, current day are now completed whenever and wherever possible
Benefit space transference technology prevailing.
Space transference refers to that user passes through operating handset STK（SIM TOOL KIT, STK）Dish
List or client, use OTA（Over-the-Air Technology, over the air）Or BIP（Business
Integration Platform, business integration platform）Communicated with backstage payment system Deng wireless mode, completed to mobile phone
Stored value card such as supplements, inquires about with money at the function in smart card, relative to the IC-card application such as traditional public transport, bank, school-run enterprise, Ke Yi great
The function of big abundant mobile payment service.
Existing space transference mode has the following disadvantages：1st, due to being influenceed by carrier network, data SMS is not
Situations such as certainty occurs delay, omits, cause background server inconsistent with card mode；2nd, enter using data SMS
When row circle deposits request, it may appear that the situation of the various applications of a SIM card, and the interface of SIM processing data short message be it is unified,
Therefore may there is conflict when various applications are processed, cause SIM correctly to be parsed to short message content and enclose and deposit
Failure；3rd, SIM successful recharging but return supplement with money confirmation short message lose in the case of, platform may because of time-out and
Repeatedly retransmit circle and deposit result short message, SIM just must be identified and repeatedly report to repeating short message, increase SIM processing stream
The complexity of journey.
The content of the invention
In view of above-mentioned the deficiencies in the prior art, are carried out it is an object of the invention to provide a kind of to mobile terminal stored value card
The method and system of space transference, it is intended to solve in existing space transference mode, SIM need to use real short message and backstage
Interact, there is the uncertainty of data SMS causes that background server and card mode are inconsistent, a SIM card is various should
The technical problem such as used time SIM cannot correctly be parsed to short message content and SIM handling process is complex.
The present invention provide technical scheme be：A kind of method that space transference is carried out to mobile terminal stored value card, including：
Step a：Client sends stored value card circle and deposits request, and client sends more new message file to client identification module
Instruction, short message content for include acquisition mobile terminal e-wallet information；
Step b：More new message file instruction is received by client identification module and short message file is intercepted, and will corresponding electricity
In sub- wallet write-in client identification module short message file；
Step c：By client short message reading file and e-wallet information is obtained, according to e-wallet information and application
Platform and payment platform carry out circle and deposit interaction, and the circle completed on payment platform is deposited；
Step d：Client deposits result according to the circle on payment platform, to write-in in client identification module containing mobile terminal electricity
Sub- wallet circle deposits the short message file of request, and client identification module interception short message file completes mobile terminal electricity according to short message content
Sub- wallet circle is deposited.
Technical scheme also includes：It is described that more new message is received by client identification module in the step b
File instruction simultaneously intercepts short message file and specifically includes：
Step b1：The instruction that client sends is received, and judges whether the instruction is more according to the classification and content of instruction
The instruction of new message file, if not the instruction of more new message file, performs step b2；If the more finger of new message file
Order, performs step b3；
Step b2：Direct execute instruction, and re-execute step b1；
Step b3：Interception short message file, and judge whether short message content meets client with client identification module agreement
Agreement, if not meeting the agreement of agreement, performs step b2；If meeting the agreement of agreement, step b4 is performed；
Step b4：Analysis short message content, and according to short message content by corresponding e-wallet information according to related protocol group
It is a new short message to fill, and the short message file being truncated to will be replaced in short message write-in client identification module short message file.
Technical scheme also includes：It is described by client short message reading file and to obtain in the step c
E-wallet information is specifically included：
Step c1：Short message reading file is circulated according to certain hour, and judges whether to read the short message for meeting agreement text
Part, if not reading the short message file for meeting agreement, continues executing with step c1；If reading the short message for meeting agreement
File, performs step c2；
Step c2：Stop short message reading file, and analyze short message content, whether judge in the short message content comprising electronic money
Package informatin, if including e-wallet information in the short message content, performs step c3；
Step c3：This bar short message file is deleted after obtaining e-wallet information according to short message content, and stored value card is believed
Breath is sent to application platform, the key information of acquisition request stored value card.
Technical scheme also includes：In the step c, it is described according to e-wallet information and application platform and
Payment platform carries out circle and deposits interaction, and the circle on completion payment platform is deposited and specifically included：Client is received by application platform to send
E-wallet information, and return to corresponding key information, key information is received by client, and electricity is sent to application platform
Sub- wallet circle deposits request, and receiving stored value card circle by application platform deposits request, and formation circle deposits record in application platform, and to
Payment platform initiates request of withholing, and payment platform according to request of withholing withhold after processing and returns to result of withholing.
Technical scheme also includes：In the step d, the client deposits knot according to the circle on payment platform
Fruit also includes to the short message file that the write-in circle of stored value card containing mobile terminal in client identification module deposits request：Mould is recognized to client
Block sends the instruction of more new message file, and the client identification module intercepts short message file, completes mobile whole according to short message content
End stored value card circle is deposited specially：Reception is instructed and intercepts short message file, and mobile terminal stored value card is completed according to short message content
Circle is deposited, and circle is deposited into result is assembled into a new short message according to related protocol, and is cut being replaced in short message write-in short message file
The short message file got.
Technical scheme also includes：Also include after the step d：By client short message reading file, obtain
The stored value card circle of mobile terminal deletes this bar short message file after depositing result, and the circle is deposited into result sends to application platform, should
The circle in result renewal application platform is deposited according to circle with platform and deposits recording status, completed this circle and deposit operation.
The present invention provide another technical scheme be：A kind of system that space transference is carried out to mobile terminal stored value card,
Including client, client identification module, application platform and payment platform,
The client deposits request for sending stored value card circle, to write-in mobile terminal containing acquisition in client identification module
The short message file of e-wallet information, and the instruction of more new message file is sent to client identification module；The client recognizes mould
Block is used to receive more new message file instruction and intercept short message file, and corresponding e-wallet information is write into client identification module
The short message file being truncated to is replaced in short message file, the client short message reading file simultaneously obtains e-wallet information, according to
E-wallet information carries out circle with the application platform and payment platform is deposited and interacts, and the circle completed on the payment platform is deposited, and
The short message that result deposits request to the write-in circle of stored value card containing mobile terminal in client identification module is deposited according to the circle on payment platform
File, the client identification module receives more new message file instruction and intercepts short message file, is completed to move according to short message content
Terminal electronic wallet circle is deposited.
Technical scheme also includes：The client includes the first request module, first information processing module, the
Two request modules, the second message processing module and the 3rd request module,
First request module deposits request for sending stored value card circle, according to related protocol in client identification module
Short message file of the write-in containing acquisition mobile terminal e-wallet information, and the finger of more new message file is sent to client identification module
Order；
The first information processing module is used for the short message file acquisition stored value card letter updated according to client identification module
Breath, and according to key information from e-wallet information to the application platform acquisition request stored value card；
Second request module is used to receive the key information of application platform return, and sends electronic money to application platform
Bag circle deposits request；
Second message processing module is used to receive the result of withholing of application platform return, and by the 3rd request module
Stored value card circle is sent to client identification module deposit request；
3rd request module is used for according to related protocol to write-in electronic money containing mobile terminal in client identification module
Bag circle deposits the short message file of request, and the instruction of more new message file is sent to client identification module.
Technical scheme also includes：The client identification module includes the first judge module, the second judge module
With the 4th message processing module, first judge module be used for receive client transmission instruction, and according to instruction classification
And content judge the instruction whether be more new message file instruction, if the more instruction of new message file, sentences by second
Disconnected module intercepts short message file；Second judge module is used to intercept short message file, and judges whether short message content meets visitor
Family end and the agreement of client identification module agreement, if meeting the agreement of agreement, short message are analyzed by the 4th message processing module
Content；4th message processing module is used to analyze short message content, if the letter of stored value card containing acquisition request in short message content
Breath, then be assembled into a new short message by corresponding e-wallet information according to related protocol, by short message write-in client's identification
The short message file being truncated to is replaced in module short message file；If circle containing stored value card deposits request in short message content, complete to move
Dynamic terminal electronic wallet circle is deposited, and circle is deposited into result is assembled into a new short message according to related protocol, and the short message is write into visitor
The short message file being truncated to is replaced in the identification module short message file of family.
Technical scheme also includes：The client also includes the 3rd message processing module, the 3rd information
The stored value card circle that processing module is used for the short message file acquisition mobile terminal updated according to client identification module deposits result, and will
The circle is deposited result and is sent to application platform, and the application platform is deposited result renewal circle and deposits recording status according to circle.
Technical scheme has the following advantages that or beneficial effect：The embodiment of the present invention to mobile terminal electronic money
The method and system that bag carries out space transference deposit request by cell-phone customer terminal transmission circle, and borrow the completion of short message channel and client
Communication between identification module, and then space transference operation is completed, without using real data SMS, therefore operator's net is not received
The influence of network, and any information will not be left in short message file after the transaction has been completed；Because client can be with real time access
SIM, carries out two-way confirmation, it is to avoid SIM occur and application platform state is inconsistent by client again after circle deposits completion
Situation.
Brief description of the drawings
Fig. 1 carries out the structure chart of the method for space transference for the mobile terminal stored value card of the embodiment of the present invention；
Fig. 2 is the flow chart of the method that space transference is carried out to mobile terminal stored value card of the embodiment of the present invention；
Fig. 3 is the flow chart of the client identification module more method of new message file of the embodiment of the present invention；
Fig. 4 is the flow chart of the method for the client short message reading file of the embodiment of the present invention；
Fig. 5 is the structural representation of the system that space transference is carried out to mobile terminal stored value card of the invention.
Specific embodiment
The present invention provides a kind of method and system that space transference is carried out to mobile terminal stored value card, of the invention to make
Purpose, technical scheme and effect are clearer, clear and definite, and the present invention is described in more detail below.It should be appreciated that this place is retouched
The specific embodiment stated only is used to explain the present invention, is not intended to limit the present invention.
As shown in figure 1, mobile terminal stored value card carries out the flow chart of the method for space transference.Specially：Client elder generation
Communicated with SIM, obtain the e-wallet information in SIM；Then interacted with application platform, payment platform, completed on platform
Circle deposit；Then communicated with SIM again, the circle completed on SIM is deposited；Circle finally is deposited into result to update to platform, completes whole
Circle deposits operation, and during whole circle is deposited, SIM need to interacting using real short message completion and backstage.
Fig. 2 is referred to, is the flow of the method that space transference is carried out to mobile terminal stored value card of the embodiment of the present invention
Figure.The embodiment of the present invention is comprised the following steps to the method that mobile terminal stored value card carries out space transference：
Step 10：Stored value card circle is sent by client and deposits request, client recognizes mould according to related protocol to client
Short message file of the write-in containing acquisition mobile terminal e-wallet information in block, and send more new message file to client identification module
Instruction；
In step 10, client identification module is SIM or other smart cards, and the related protocol is client and client
The agreement of identification module agreement, short message file is the short message reference format of client and client identification module agreement, in order to area
Divide the short message for circle deposits short message or normal short message.
Step 20：Received by client identification module and instruct and intercept short message file, will corresponding electricity according to short message content
The short message file being truncated to is replaced in sub- wallet write-in client identification module short message file；
It is the client identification module more new message of the embodiment of the present invention also referring to Fig. 3 for clear explanation step 20
The flow chart of the method for file.The method of the client identification module of the embodiment of the present invention more new message file specifically includes following step
Suddenly：
Step 21：The instruction that client sends is received, and judges whether the instruction is more according to the classification and content of instruction
The instruction of new message file, if not the instruction of more new message file, performs step 22；If the more finger of new message file
Order, performs step 23；
Step 22：Direct execute instruction, and re-execute step 21；
Step 23：Interception short message file, and judge whether short message content meets client with client identification module agreement
Agreement, if not meeting the agreement of agreement, performs step 22；If meeting the agreement of agreement, step 24 is performed；
Step 24：Analysis short message content, and according to short message content by corresponding e-wallet information according to related protocol group
It is a new short message to fill, and the short message file being truncated to will be replaced in short message write-in client identification module short message file；
In step 24, if the short message file being truncated to is Encrypted short message file, client identification module passes through electronics
The key information of wallet to analyzing short message content again after the short message file decryption, and with the key information of stored value card to new
Short message writes short message file again after being encrypted, to ensure the security of e-wallet information.
Step 30：By client short message reading file and obtain e-wallet information, by e-wallet information send to
Application platform, the key information of acquisition request stored value card；
It is the client short message reading file of the embodiment of the present invention also referring to Fig. 4 for clear explanation step 30
The flow chart of method.The method of the client short message reading file of the embodiment of the present invention specifically includes following steps：
Step 31：Short message reading file is circulated according to certain hour, and judges whether to read the short message for meeting agreement text
Part, if not reading the short message file for meeting agreement, continues executing with step 31；If reading the short message for meeting agreement
File, performs step 32；
In step 31, the time of short message reading file can be set according to practical application, such as 5S etc..
Step 32：Stop short message reading file, and analyze short message content, whether judge in the short message content comprising electronic money
Package informatin, if not including e-wallet information in the short message content, performs step 33；If including electronics in the short message content
Wallet, performs step 34；
Step 33：This short message in short message file is deleted, then by abnormality processing；
In step 33, the abnormality processing includes that resending stored value card circle deposits request or continue short message reading text
Part.
Step 34：This bar short message file is deleted after obtaining e-wallet information according to short message content, and stored value card is believed
Breath is sent to application platform, the key information of acquisition request stored value card.
Step 40：The e-wallet information that client sends is received by application platform, and returns to corresponding key information；
Step 50：Key information is received by client, and stored value card circle is sent to application platform and deposit request；
Step 60：Stored value card circle is received by application platform and deposits request, and verify that the circle is deposited and whether legal ask, if
Circle is deposited and asks illegal, performs step 70；If circle is deposited asks legal, step 80 is performed；
Step 70：Error information is returned to client, this circle deposits end.
Step 80：Circle is formed in application platform and deposits record, and request of withholing is initiated to payment platform；
Step 90：Received by payment platform and withholdd request, and put down according to request of the withholing backward application for the treatment of that withhold
Platform returns to result of withholing；
Step 100：Result of withholing is received by application platform, and the result that will withhold is back to client；
Step 110：Result of withholing is received by client, and judges whether that circle is saved as work(according to result of withholing, if circle
Deposit unsuccessfully, perform step 120；If circle is saved as work(, step 130 is performed；
Step 120：Prompting user circle deposit unsuccessfully, and according to user operation resend circle deposit request or terminate circle deposit behaviour
Make；
Step 130：Request is deposited to the circle of stored value card containing mobile terminal is write in client identification module according to related protocol
Short message file, and the instruction of more new message file is sent to client identification module；
Step 140：Received by client identification module and instruct and intercept short message file, complete mobile whole according to short message content
End stored value card circle is deposited, and circle is deposited into result is assembled into a new short message according to related protocol, and short message write-in client is known
The short message file being truncated to is replaced in other module short message file；
In step 140, the method for client identification module more new message file is with step 20.
Step 150：By client short message reading file, deletion should after the stored value card circle of acquisition mobile terminal deposits result
Bar short message file, and the circle is deposited into result send to application platform；
In step 150, the method for client short message reading file is with step 30.
Step 160：Circle is received by application platform and deposits result, and the circle in result renewal application platform is deposited according to circle and deposit note
Record state, completes this circle and deposits operation.
Fig. 5 is referred to, is the structure of the system that space transference is carried out to mobile terminal stored value card of the embodiment of the present invention
Schematic diagram.The system that space transference is carried out to mobile terminal stored value card of the embodiment of the present invention includes that client, client are recognized
Module, application platform and payment platform, wherein,
Client includes the first request module, first information processing module, the second request module, the second information processing mould
Block, the 3rd request module and the 3rd message processing module,
First request module deposits request for sending stored value card circle, is write in client identification module according to related protocol
Short message file containing acquisition mobile terminal e-wallet information, and the instruction of more new message file is sent to client identification module；
First information processing module is used for the short message file acquisition e-wallet information updated according to client identification module, and
E-wallet information is sent to application platform, the key information of acquisition request stored value card；Specifically, first information treatment mould
Block includes the first judging unit and the second judging unit,
First judging unit is used to circulate short message reading file according to certain hour, and judges whether to read and meet agreement
Short message file, if not reading the short message file for meeting agreement, continue short message reading file；If read met
The short message file of agreement, then stop short message reading file, and analyze short message content by the second judging unit；
Whether the second judging unit is used to analyze short message content, and judge in the short message content comprising e-wallet information,
If not including e-wallet information in the short message content, this short message in short message file is deleted, then by abnormality processing；If
E-wallet information is included in the short message content, this bar short message file is deleted after obtaining e-wallet information according to short message content,
And send to application platform, the key information of acquisition request stored value card e-wallet information；
Second request module is used to receive the key information of application platform return, and sends stored value card circle to application platform
Deposit request；
Second message processing module is used to receive the result of withholing of application platform return, and is judged whether according to result of withholing
Circle be saved as work(, if circle deposit unsuccessfully, point out user circle deposit unsuccessfully, and according to user operation resend circle deposit request or terminate circle
Deposit operation；If circle is saved as work(, stored value card circle is sent to client identification module by the 3rd request module and deposits request；
3rd request module is used for according to related protocol to the write-in circle of stored value card containing mobile terminal in client identification module
The short message file of request is deposited, and the instruction of more new message file is sent to client identification module；
3rd message processing module is used for the electronics of the short message file acquisition mobile terminal updated according to client identification module
Wallet circle deletes the short message file after depositing result, and the circle is deposited into result sends to application platform, and application platform deposits knot according to circle
Fruit updates circle and deposits recording status.
Client identification module is used to receive the instruction of client transmission and intercept short message file, will be corresponding according to short message content
E-wallet information or stored value card circle deposit result and be assembled into a new short message according to related protocol, and by short message write-in
The short message file being truncated to is replaced in client identification module short message file；Specifically, client identification module judges mould including first
Block, the second judge module and the 4th message processing module,
First judge module is used to receive the instruction of client transmission, and judges the instruction according to the classification and content of instruction
Whether be more new message file instruction, if not the instruction of more new message file, direct execute instruction, and receive visitor again
The instruction that family end sends；If the more instruction of new message file, short message file is intercepted by the second judge module；
Second judge module is used to intercept short message file, and judges whether short message content meets client and recognize mould with client
The agreement of block agreement, if not meeting the agreement of agreement, direct execute instruction, and the instruction that client sends is received again；Such as
Fruit meets the agreement of agreement, and short message content is analyzed by the 4th message processing module；
4th message processing module is used to analyze short message content, if the letter of stored value card containing acquisition request in short message content
Breath, then be assembled into a new short message by corresponding e-wallet information according to related protocol, by short message write-in client's identification
The short message file being truncated to is replaced in module short message file；If circle containing stored value card deposits request in short message content, complete to move
Dynamic terminal electronic wallet circle is deposited, and circle is deposited into result is assembled into a new short message according to related protocol, and the short message is write into visitor
The short message file being truncated to is replaced in the identification module short message file of family.
Application platform includes that first information receiver module, information authentication module, circle deposit processing module and the second information is received
Module,
First information receiver module is used to receive the e-wallet information of client transmission, and returns to corresponding key letter
Breath；
The stored value card circle that information authentication module is used to receive client transmission deposits request, and verifies whether the circle deposits request
Legal, if circle is deposited, request is illegal, and to client return error information, this circle deposits end；If circle is deposited asks legal, lead to
Cross circle deposit processing module formed circle deposit record；
Circle deposits processing module and deposits record for forming circle in application platform, and request of withholing is initiated to payment platform, will prop up
The result of withholing for paying platform returns to client；
The circle that second information receiving module is used to receive client transmission deposits result, and depositing result according to circle updates application platform
In circle deposit recording status, complete this circle and deposit operation.
Payment platform is used to receive the request of withholing of application platform transmission, and withhold treatment backward according to request of withholing
Application platform returns to result of withholing.
The method and system that space transference is carried out to mobile terminal stored value card of the embodiment of the present invention pass through cell phone customer
End sends circle and deposits request, and borrows the communication between the completion of short message channel and client identification module, and then completes space transference operation,
Without using real data SMS, therefore do not influenceed by carrier network, and after the transaction has been completed will not be in short message text
Any information is left in part；Because client can be carried out two-way by client again with real time access SIM after circle deposits completion
Confirm, it is to avoid SIM and the inconsistent situation of application platform state occur.
Presently preferred embodiments of the present invention is the foregoing is only, is not intended to limit the invention, it is all in essence of the invention
Any modification, equivalent and improvement made within god and principle etc., should be included within the scope of the present invention.
Claims (8)
1. a kind of method that space transference is carried out to mobile terminal stored value card, including：
Step a：Client sends stored value card circle and deposits request, and client sends the finger of more new message file to client identification module
Order, short message content obtains mobile terminal e-wallet information to include；
Step b：Received by client identification module and more new message file instruction and intercept short message file, and by corresponding electronic money
In package informatin write-in client identification module short message file；
Step c：By client short message reading file and e-wallet information is obtained, according to e-wallet information and application platform
And payment platform carries out circle and deposits interaction, the circle completed on payment platform is deposited；
Step d：Client deposits result according to the circle on payment platform, to write-in electronic money containing mobile terminal in client identification module
Bag circle deposits the short message file of request, and client identification module interception short message file completes mobile terminal electronic money according to short message content
Bag circle is deposited；
It is described more new message file instruction to be received by client identification module and to intercept short message file specific in the step b
Including：
Step b1：The instruction that client sends is received, and judges whether the instruction is to update short according to the classification and content of instruction
The instruction of message part, if not the instruction of more new message file, performs step b2；If the more instruction of new message file,
Perform step b3；
Step b2：Direct execute instruction, and re-execute step b1；
Step b3：Interception short message file, and judge whether short message content meets the agreement of client and client identification module agreement,
If not meeting the agreement of agreement, step b2 is performed；If meeting the agreement of agreement, step b4 is performed；
Step b4：Analysis short message content, and corresponding e-wallet information is assembled into according to related protocol according to short message content
One new short message, will replace the short message file being truncated in short message write-in client identification module short message file.
2. the method that space transference is carried out to mobile terminal stored value card according to claim 1, it is characterised in that in institute
It is described by client short message reading file and to obtain e-wallet information and specifically include in stating step c：
Step c1：Short message reading file is circulated according to certain hour, and judges whether to read the short message file for meeting agreement, such as
Fruit does not read the short message file for meeting agreement, then continue executing with step c1；If reading the short message file for meeting agreement,
Perform step c2；
Step c2：Stop short message reading file, and analyze short message content, judge whether believe comprising stored value card in the short message content
Breath, if including e-wallet information in the short message content, performs step c3；
Step c3：The short message file is deleted after obtaining e-wallet information according to short message content, and e-wallet information is sent
To application platform, the key information of acquisition request stored value card.
3. the method that space transference is carried out to mobile terminal stored value card according to claim 1, it is characterised in that in institute
It is described to carry out circle according to e-wallet information and application platform and payment platform and deposit to interact in stating step c, complete on payment platform
Circle deposit and specifically include：The e-wallet information that client sends is received by application platform, and returns to corresponding key information,
Key information is received by client, and stored value card circle is sent to application platform and deposit request, electronics is received by application platform
Wallet circle deposits request, circle is formed in application platform and deposits record, and initiates request of withholing to payment platform, and payment platform is according to button
Money request withhold after processing and returns to result of withholing.
4. the method that space transference is carried out to mobile terminal stored value card according to claim 1, it is characterised in that in institute
State in step d, the client deposits result to write-in in client identification module containing mobile terminal electricity according to the circle on payment platform
The short message file that sub- wallet circle deposits request also includes：The instruction of more new message file, the client are sent to client identification module
Identification module intercepts short message file, and completing mobile terminal stored value card circle according to short message content deposits specially：Reception is instructed and cut
Short message file is taken, completing mobile terminal stored value card circle according to short message content deposits, and circle is deposited into result is assembled into according to related protocol
One new short message, and the short message file being truncated to will be replaced in short message write-in short message file.
5. the method that space transference is carried out to mobile terminal stored value card according to claim 4, it is characterised in that described
Also include after step d：By client short message reading file, the stored value card circle for obtaining mobile terminal to deposit that delete this after result short
Message part, and the circle is deposited into result send to application platform, application platform is deposited result and updates the circle in application platform and deposits according to circle
Recording status, completes this circle and deposits operation.
6. a kind of system that space transference is carried out to mobile terminal stored value card, including client, client identification module, using flat
Platform and payment platform, it is characterised in that the client is used to send stored value card circle and deposit request, to being write in client identification module
Enter the short message file containing acquisition mobile terminal e-wallet information, and the finger of more new message file is sent to client identification module
Order；The client identification module is used to receive more new message file instruction and intercept short message file, by corresponding stored value card letter
The short message file being truncated to is replaced in breath write-in client identification module short message file, the client short message reading file is simultaneously obtained
E-wallet information, carries out circle and deposits to interact according to e-wallet information and the application platform and payment platform, completes the branch
The circle paid on platform is deposited, and deposits result to write-in electronic money containing mobile terminal in client identification module according to the circle on payment platform
Bag circle deposits the short message file of request, and the client identification module receives more new message file instruction and intercepts short message file, according to
Short message content completes mobile terminal stored value card circle and deposits；The client include the first request module, first information processing module,
Second request module, the second message processing module and the 3rd request module,
First request module deposits request for sending stored value card circle, is write in client identification module according to related protocol
Containing the short message file for obtaining mobile terminal e-wallet information；
The first information processing module is used for the short message file acquisition e-wallet information updated according to client identification module, and
According to key information from e-wallet information to the application platform acquisition request stored value card；
Second request module is used to receive the key information of application platform return, and sends stored value card circle to application platform
Deposit request；
Second message processing module is used to receive the result of withholing of application platform return, and by the 3rd request module to visitor
Family identification module sends stored value card circle and deposits request；
3rd request module is used for according to related protocol to the write-in circle of stored value card containing mobile terminal in client identification module
The short message file of request is deposited, and the instruction of more new message file is sent to client identification module.
7. the system that space transference is carried out to mobile terminal stored value card according to claim 6, it is characterised in that described
Client identification module includes the first judge module, the second judge module and the 4th message processing module, first judge module
Instruction for receiving client transmission, and judge whether the instruction is more new message file according to the classification and content of instruction
Instruction, if the more instruction of new message file, short message file is intercepted by the second judge module；Second judge module is used
In interception short message file, and judge whether short message content meets the agreement of client and client identification module agreement, if met
The agreement of agreement, short message content is analyzed by the 4th message processing module；4th message processing module is used to analyze short message
Content, if e-wallet information containing acquisition request in short message content, by corresponding e-wallet information according to related protocol
A new short message is assembled into, the short message file being truncated to will be replaced in short message write-in client identification module short message file；Such as
Circle containing stored value card deposits request in fruit short message content, then complete mobile terminal stored value card circle and deposit, and circle is deposited into result according to correlation
Agreement is assembled into a new short message, and the short message text being truncated to will be replaced in short message write-in client identification module short message file
Part.
8. the system that space transference is carried out to mobile terminal stored value card according to claim 7, it is characterised in that described
Client also includes the 3rd message processing module, and the 3rd message processing module is used for according to the short of client identification module renewal
Believe that the stored value card circle of file acquisition mobile terminal deposits result, and the circle is deposited into result and send to application platform, the application is put down
Platform deposits result renewal circle and deposits recording status according to circle.
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| CN105488668B (en) * | 2014-09-16 | 2020-03-17 | ***通信集团辽宁有限公司沈阳分公司 | Method and system for reporting offline transaction information of SIM card payment application in real time |
| CN108234133B (en) * | 2017-12-28 | 2020-12-15 | 中国人民银行数字货币研究所 | Method and system for replacing key of digital currency wallet |
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| Title |
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| 张湘东等.移动支付空中圈存技术研究.《电信科学》.2011,(第06期),第14-20页. * |
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