CN105488668A - Method and system for uploading off-line transaction information of SIM card payment application in real time - Google Patents
Method and system for uploading off-line transaction information of SIM card payment application in real time Download PDFInfo
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- CN105488668A CN105488668A CN201410473232.9A CN201410473232A CN105488668A CN 105488668 A CN105488668 A CN 105488668A CN 201410473232 A CN201410473232 A CN 201410473232A CN 105488668 A CN105488668 A CN 105488668A
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Abstract
The invention relates to a method and system for uploading the off-line transaction information of an SIM card payment application in real time, and the method comprises the steps: enabling a transaction monitoring module of an SIM card to monitor an off-line payment application in the SIM card; recording the transaction information when the balance changes, and uploading the real-time transaction information data to a backpack short message uploading module; enabling the backpack short message uploading module to receive and temporarily store the data, carrying out the uploading of a backpack short message according to the state of the temporarily stored information, and clearing the temporarily stored information according to the transmission condition of the backpack short message. The system comprises a transaction monitoring module and a backpack short message uploading module. The backpack short message uploading module comprises a transaction information buffer pool submodule and a backpack short message uploading module. The method and system can achieve the purposes of real-time monitoring, data collection and necessary statistics of the off-line transaction use conditions of the SIM card with the cellphone payment application, and provides an additional safety protection and transaction risk monitoring for the payment application in the SIM card.
Description
Technical field
The invention belongs to the communication technology and mobile payment technical field, is the method and system that a kind of SIM card pays application Transaction Information real-time report specifically.
Background technology
Along with popularizing fast of mobile payment, new business and application continue to bring out, and people start to use mobile phone mobile payment to replace traditional bank card, mass transit card, access card, electronic coupons etc. in a large number.Important component part as in mobile payment technology: SIM (SubscriberIdentityModule, user identification module) blocks, and except carrying communications applications, carries simultaneously and more and more pays application.
In actual environment, the publisher of SIM card and the provider of payment application may not be same mechanism (majority of case is like this).Typically, the publisher of SIM card simple provides SIM card space, any Third-party payment through certification can be loaded apply, SIM card publisher assume responsibility for partial payment Application issuance side obligation, and therefore SIM card publisher enjoys the right of the payment and settlement Benefit share paying Application issuance side usually.SIM card publisher needs the transaction data of the payment application understood in SIM card, and generally pays application provider and can not carry out the settlement network docking of essence with the publisher of SIM card, and reason is that commercial barrier and networking cost are high.Be difficult to carry out handle control and data acquisition to the trading situation paying application with regard to there will be SIM card publisher like this, thus bring operating service difficulty, cannot ensure that transaction data is accurate, and then affect income.
Payment application in SIM cards of mobile phones is mainly used in off line small amount payment at present, and clearing can only occur in after transaction data is sent to clearance side by payment terminal, if there is network failure, then operation each side all likely loses.
Summary of the invention
For above-mentioned technical deficiency, the object of the invention is to provide the method and system that a kind of SIM card pays application Transaction Information real-time report, to solve the problems of the technologies described above.
The technical solution adopted for the present invention to solve the technical problems is: SIM card pays the method and system of application offline transaction information real-time report, comprises the following steps:
The off line that the transaction of SIM card is monitored in module monitoring SIM card pays application; When paying application remaining sum and changing, record Transaction Information also sends out the data that module submits Transaction Information in real time in knapsack note;
Knapsack note is sent out module to receive a transaction data and to go forward side by side formatting lines, group bag, buffer memory, according to the information state of buffer memory carry out knapsack note upper, and clear up the data of buffer memory according to the transmission situation of knapsack note.
Described Transaction Information is the information of this transaction and last transaction.
In described knapsack note send out module receive a transaction data go forward side by side formatting lines, group bag, buffer memory, comprise the following steps:
Transaction Information cache pool submodule knapsack note being sent out module preserves the trading information data of monitoring module submission of concluding the business, and formats simultaneously, organizes bag formation knapsack note data to the data of preserving.
The described information state according to buffer memory carry out knapsack note upper, and to comprise the following steps according to the information that the transmission situation of knapsack note clears up buffer memory:
Data SMS is sent out submodule registration mobile phone GetStatus event; When mobile phone produces GetStatus instruction, data SMS sends out submodule response events, perform and check the action of Transaction Information cache pool submodule; If Transaction Information cache pool submodule exists the knapsack note data do not sent, then data SMS is sent out submodule and send to Short Message Service Gateway by the knapsack note data in Transaction Information cache pool submodule; If Transaction Information cache pool submodule does not exist knapsack note data, then complete event response; After short message sending success, data SMS is sent out the data that submodule empties Transaction Information cache pool submodule buffer memory immediately; If short message sending is unsuccessful, then still complete event response, when upper once GetStatus event occurs, resend.
Describedly send to Short Message Service Gateway by the knapsack note data in Transaction Information cache pool submodule, be specially: in mobile phone GetStatus periods of events in real time by the data in Transaction Information cache pool submodule so that scale-of-two short message mode to send to Short Message Service Gateway.
SIM card pays the system of application offline transaction information real-time report, comprising:
Module is monitored in transaction: the off line paying application for monitoring SIM card pays application, and when paying the change of application remaining sum, record Transaction Information also sends out the data that module submits offline transaction information in knapsack note;
Knapsack note sends out module: to go forward side by side formatting lines, group bag, buffer memory for receiving transaction data, according to the information state of buffer memory carry out knapsack note upper, and clear up the information of buffer memory according to the transmission situation of note.
Described knapsack note is sent out module to comprise:
Transaction Information cache pool submodule: the trading information data monitoring module submission for preserving transaction, packaging to the data of preserving and format simultaneously forms knapsack note data;
Data SMS sends out submodule: for registering the GetStatus event of mobile phone; When mobile phone produces GetStatus instruction, data SMS sends out submodule response events, perform and check the action of Transaction Information cache pool submodule; If Transaction Information cache pool submodule exists the data do not sent, then data SMS is sent out submodule and send to Short Message Service Gateway by the knapsack note data in Transaction Information cache pool submodule; If there is no, then event response is completed; After short message sending success, data SMS is sent out submodule and empty Transaction Information cache pool submodule immediately, complete event response; If short message sending is unsuccessful, then still complete event response, when upper once GetStatus event occurs, resend.
Described knapsack note is scale-of-two note.
The present invention has following beneficial effect and advantage:
1. method of the present invention only design one transaction monitoring module in payment is applied, apply improvement cost to payment minimum, monitor mould Module implementations simple, framework is clear, easy exploitation and maintenance.
2. monitor module as the accessory module paying application, obtain the mode of data for application inner function method of calling, therefore transaction monitors module with paying application itself is complete coupled relation, and the degree of coupling of height ensure that SIM card pays the security of application; Monitor module obtain data opportunity for pay application transaction complete time, therefore not on SIM card pay application original security and performance produce any impact.
3. the data acquisition modes adopted is data SMS mode, and consider that the commercial city that provides of general SIM card is GSM network operator, short message channel coverage rate is the widest, cost is low, data SMS cannot direct reading, and security is high, can be therefore well this method and system service.
4. cooperation module and knapsack note being sent out module is monitored in transaction, can reach real-time report to transaction data, compares that to carry out data acquisition by terminal device quicker, save acquisition cost simultaneously.
5. the present invention can reach the real-time monitoring of offline transaction service condition of the SIM card with mobile-phone payment application to distribution, data acquisition and necessary statistics object, for the payment application in SIM card provides extra safeguard protection and transaction risk monitoring.
Accompanying drawing explanation
Fig. 1 is modular system Organization Chart of the present invention;
Fig. 2 is the entire flow figure that generation knapsack send.
Embodiment
Below in conjunction with embodiment, the present invention is described in further detail.
As shown in Figure 1, a kind of SIM card pays the system applying offline transaction information real-time report, comprising: SIM card pays application transaction and monitors module, and the knapsack note be made up of on Transaction Information cache pool submodule and data SMS submodule sends out module.
SIM card pays application transaction and monitors module: be mainly used in monitoring the real-time deal situation that SIM card pays application, carries out the record of Transaction Information for causing the transaction (consumption, circle deposit) paying the change of application remaining sum and in knapsack note, sends out a module carry out data submission.Data are recorded in after transaction completes carries out, and does not affect the execution flow process of payment transaction.
Knapsack note sends out module: primary responsibility according to the information state of Transaction Information cache module carry out knapsack note upper, and clear up Transaction Information cache module according to the transmission situation of data SMS;
Described knapsack note is sent out module to comprise:
Transaction Information cache pool submodule: paying for preserving SIM card the real-time deal information data that module submission is monitored in application, the data of preserving being classified and being formatd simultaneously
Data SMS sends out submodule: the GetStatus event being responsible for registration mobile phone, when ensureing that mobile phone produces GetStatus instruction, event can notify knapsack note sends out module at once; Simultaneously when receiving event, Transaction Information effective in information cache pond is carried out data SMS format and on send to the note receiving number of specifying.
Method of the present invention comprises: pay design transaction in application (MOC, PBOC etc.) in SIM card and monitor module, for monitoring and recording each transaction data, and preserve two nearest transaction records; Pay in application to add in knapsack note in SIM card and send out module; When SIM card pays application generation one transaction, transaction monitoring module obtains transaction details by monitoring transaction, and submits to a module in knapsack note together with last transaction; Transaction Information cache pool submodule preserves the detail that transaction monitoring module is submitted to, and when mobile phone initiates to obtain state event, knapsack note is sent out the All Activity information in module transmission cache pool, and empty cache pool, process terminates.
As shown in Figure 2, a kind of SIM card pays the method for application offline transaction information real-time report, specifically comprises the steps:
The offline electronic payment application in module real time monitoring SIM card is monitored in SIM card transaction, once there is the transaction (supplement with money or consume) of remaining sum change, then automatically record nearest two transaction records (1 transaction before transaction generation and this transaction) after completion of transactions, in knapsack note, a module is submitted to and is recorded data immediately;
In knapsack note send out module receive and keeping records data in this module cache pool; Knapsack note is sent out Module registers mobile phone GetStatus command event and arranged interval of events is 30 seconds;
When mobile phone produces GetStatus command event at every turn, notice knapsack note sends out module check Transaction Information cache pool submodule, if there are valid data in cache pool, then real-time by data so that scale-of-two short message mode to be sent out, after short message sending success, empty cache pool immediately.
Wherein, pay application according to current SIM card and determine whether submit to transaction record packet containing following steps to knapsack note being sent out module according to current trading situation (off line or online):
Monitoring SIM card pays the transaction whether application remaining sum change occurs;
If there occurs the transaction of remaining sum change, then record two nearest Transaction Informations, and submit to a module in knapsack note;
In addition, whether carry out short message sending according to a module in current knapsack note and comprise following steps:
Knapsack note is sent out the GetStatus command event that module receives mobile phone;
Inquiry knapsack note sends out in module Transaction Information cache pool whether there is effective Transaction Information;
If have received GetStatus command event, and have effective information in Transaction Information cache pool, in knapsack note send out module carry out Transaction Information knapsack note upper.
Below in conjunction with example, the present invention is described in further detail.
Method of the present invention comprises the following steps:
1: one or more SIM card with transaction monitoring module is set in SIM card and pays a module in application and knapsack note.
2:SIM card provider sends out in module and configures knapsack note receiving platform destination number in knapsack note.
3: knapsack note sends out Module registers mobile phone GetStatus command event, set interval is 30 seconds, such mobile phone can complete after SIM card steps on net in start, sending a GetStatus event to for every 30 seconds a module in knapsack note, a module knapsack note being started do for triggering in knapsack note.
The logon mode of 3.1:GetStatus command event is as follows:
A: mobile phone power-on process can send TerminalProfile order to SIM card automatically, and now SIM card returns 91XX;
B: mobile phone obtains SIM card proactive command by Fetch instruction, proactive command description references international norm: " ETSITS101267 ";
C:SIM card sends PollInterval order to mobile phone, requires that the every 30s of mobile phone sends a GetStatus order to card, and like this after mobile phone power-on process completes, mobile phone can send a GetStatus order to SIM card by every 30s automatically;
4: the outer consumption of card or charging terminal equipment send trading instruction and pays application to the SIM card in card, SIM card pays application and performs transaction flow request by business norms, for the transaction (consume or supplement with money) that remaining sum changes, SIM card payment is applied in wallet balances and has changed, produce transaction log, and by result loopback to after consumption terminal POS, monitoring module to transaction submits to once transaction to notify, transaction is monitored module and is now learnt that transaction produces, perform the reading SIM card transaction details file paid in application and obtain two nearest payment application transaction records, then the trading information data of reading is submitted in knapsack note and send out module.
4.1: the mode that module obtains transaction details is monitored in transaction
A: before every transaction completes, SIM card pays application all must go the amendment carrying out transaction details file.SIM card pays application and provides a function interface reading transaction details;
B: monitoring module of concluding the business monitors each instruction, namely every bar instruction is all first tackled by transaction monitoring module, and then sends SIM card payment application to, and after instruction performs, return data returns to external device such as via transaction monitoring module equally: POS.
C: when receiving trading instruction, such as: the creditforpurchase instruction of MOC, module sets up trading instruction zone bit immediately, until instruction paid application complete return time, easy monitoring module calls the transaction details function reading interface that SIM card pays application, thus gets the transaction details data of the transaction occurred recently.
5: knapsack note is sent out module and receive the trading information data that module submission is monitored in transaction, this information is committed to Transaction Information cache pool submodule; This module carries out the format manipulation of Transaction Information, Transaction Information is assembled into the data SMS of a standard, and is stored in cache pool.
5.1: being described as follows of assembled note:
A: assembled note is data SMS, but not text SMS, the transmission of data SMS and accept user can not perception, there is better security simultaneously.User's not perception better experience to user, and user is just concerned about process and the result of bankcard consumption/supplement with money, and how backstage carries out the collection of transaction details and statistics is transparent for user.Data SMS, in group bag transaction data content process, carrying out special processing to sensitive content, as only intercepted 4, account number end, thus guaranteeing that data SMS content does not reveal privacy of user.
B: data SMS coded format meets international norm: " ETSITS100901 ";
C: the data zone content in data SMS comprises: two nearest transaction detailed datas.
6: mobile phone produces Status time-event, event notice sends out module in the knapsack note that have registered event.
7: knapsack note is sent out the time-event that module receives mobile phone, notification data note sends out submodule, data SMS is sent out submodule and read effective data SMS data from Transaction Information cache pool submodule; If read valid data, send data SMS immediately to the knapsack note receiving platform of specifying, after short message sending success, delete the note data in cache pool; If short message sending failure, then do not process the data in cache pool, continue to wait for time-event next time; If do not inquire about you to valid data, be left intact.
7.1: as follows for note being sent out process instruction interaction on the sim card:
A: mobile phone sends GetStatus order to SIM card;
B:SIM card knapsack note is sent out module polls and whether there are effective data SMS data, if present, return 91XX (XX represents that SIM card needs return the data of XX byte to mobile phone), if there is no, directly return 9000;
C: after mobile phone receives 91XX, sends Fetch instruction to card and obtains SIM card proactive command;
D:SIM card sends SendShortMessage order to mobile phone, and namely mobile phone sends data SMS to target platform;
E: mobile phone sends data SMS, transmission result is returned in SIM card knapsack note by TerminalResponse order simultaneously and send out module, judge to send successfully if knapsack note is sent out module, then delete the transaction data in Buffer Pool, if send unsuccessfully, be then left intact;
7.2: the way to manage of Buffer Pool data is as follows:
A: Buffer Pool data use the way to manage of record, each record length 257 bytes, and form is effective marker position+note length+short message content;
B: at every turn write note data, adds a record at Buffer Pool exactly, and effective marker position is 01;
C: each record knapsack note being sent out module polls Buffer Pool, if zone bit is 01, being then effective note, is 00, be then invalid note;
D: when knapsack note being sent out after module sends note success, then the zone bit of the buffering note record to upper mistake is set to 00.
8: process terminates;
Wherein, SIM card pays application and comprises MOC, and PBOC etc. pay application; MOC: a kind of class that pays is applied, and meets standard " the contactless CPU card of building cause ", standard No.: CJ/T304-2008; PBOC: fiscard electronic cash is applied, compound standard " China's finance integrated circuit (IC) calliper model the 15th part: the two coin of electronic cash pays using standard ", standard No.: JR/T0025.15-2013; Corresponding specification: the ETSITS101267 of SIM card proactive command; Numeric messaging coding criterion: ETSITS100901.
Claims (8)
1.SIM card pays the method and system of application offline transaction information real-time report, it is characterized in that comprising the following steps:
The off line that the transaction of SIM card is monitored in module monitoring SIM card pays application; When paying application remaining sum and changing, record Transaction Information also sends out the data that module submits Transaction Information in real time in knapsack note;
Knapsack note is sent out module to receive a transaction data and to go forward side by side formatting lines, group bag, buffer memory, according to the information state of buffer memory carry out knapsack note upper, and clear up the data of buffer memory according to the transmission situation of knapsack note.
2. SIM card according to claim 1 pays the method for application offline transaction information real-time report, it is characterized in that described Transaction Information is the information of this transaction and last transaction.
3. SIM card according to claim 1 pays the method for application offline transaction information real-time report, it is characterized in that described knapsack note is sent out module and receives a transaction data and to go forward side by side formatting lines, group bag, buffer memory, comprise the following steps:
Transaction Information cache pool submodule knapsack note being sent out module preserves the trading information data of monitoring module submission of concluding the business, and formats simultaneously, organizes bag formation knapsack note data to the data of preserving.
4. SIM card according to claim 1 pays the method for application offline transaction information real-time report, it is characterized in that the described information state according to buffer memory carry out knapsack note upper, and to comprise the following steps according to the information that the transmission situation of knapsack note clears up buffer memory:
Data SMS is sent out submodule registration mobile phone GetStatus event; When mobile phone produces GetStatus instruction, data SMS sends out submodule response events, perform and check the action of Transaction Information cache pool submodule; If Transaction Information cache pool submodule exists the knapsack note data do not sent, then data SMS is sent out submodule and send to Short Message Service Gateway by the knapsack note data in Transaction Information cache pool submodule; If Transaction Information cache pool submodule does not exist knapsack note data, then complete event response; After short message sending success, data SMS is sent out the data that submodule empties Transaction Information cache pool submodule buffer memory immediately; If short message sending is unsuccessful, then still complete event response, when upper once GetStatus event occurs, resend.
5. SIM card according to claim 4 pays the method for application offline transaction information real-time report, it is characterized in that describedly sending to Short Message Service Gateway by the knapsack note data in Transaction Information cache pool submodule, be specially: in mobile phone GetStatus periods of events in real time by the data in Transaction Information cache pool submodule so that scale-of-two short message mode to send to Short Message Service Gateway.
6.SIM card pays the system of application offline transaction information real-time report, it is characterized in that comprising:
Module is monitored in transaction: the off line paying application for monitoring SIM card pays application, and when paying the change of application remaining sum, record Transaction Information also sends out the data that module submits offline transaction information in knapsack note;
Knapsack note sends out module: to go forward side by side formatting lines, group bag, buffer memory for receiving transaction data, according to the information state of buffer memory carry out knapsack note upper, and clear up the information of buffer memory according to the transmission situation of note.
7. a kind of SIM card according to claim 6 is paid to the system of application offline transaction information real-time report, it is characterized in that described knapsack note being sent out module comprises:
Transaction Information cache pool submodule: the trading information data monitoring module submission for preserving transaction, packaging to the data of preserving and format simultaneously forms knapsack note data;
Data SMS sends out submodule: for registering the GetStatus event of mobile phone; When mobile phone produces GetStatus instruction, data SMS sends out submodule response events, perform and check the action of Transaction Information cache pool submodule; If Transaction Information cache pool submodule exists the data do not sent, then data SMS is sent out submodule and send to Short Message Service Gateway by the knapsack note data in Transaction Information cache pool submodule; If there is no, then event response is completed; After short message sending success, data SMS is sent out submodule and empty Transaction Information cache pool submodule immediately, complete event response; If short message sending is unsuccessful, then still complete event response, when upper once GetStatus event occurs, resend.
8. SIM card according to claim 6 pays the system of application offline transaction information real-time report, it is characterized in that described knapsack note is scale-of-two note.
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| CN105488668B (en) | 2020-03-17 |
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