A kind of system and method utilizing NFC mobile phone to supplement with money to non-contact IC card

A kind of system and method utilizing NFC mobile phone to supplement with money to non-contact IC card

  • CN 103,559,756 B
  • Filed: 11/12/2013
  • Issued: 04/20/2016
  • Est. Priority Date: 11/12/2013
  • Status: Active Grant
First Claim
Patent Images

1. the system utilizing NFC mobile phone to supplement with money to non-contact IC card, is characterized in that:

  • comprise the prepaid mobile phone recharging application be installed in NFC mobile phone, mobile-phone payment gateway, card certification and supplement platform with money, supplement record storage unit and non-contact IC card with money;

    The described prepaid mobile phone recharging application be installed in NFC mobile phone;

    for providing the interface of supplementing operation with money to cellphone subscriber, and one or more mobile-phone payment gateways integrated are so that user selects the suitable modes of payments, can set up with non-contact IC card and communicate, be transmitted to non-contact IC card by the certification of Network Capture card and the instruction of supplementing platform with money, also the reply of this non-contact IC card can be forwarded back to card certification and supplement platform with money;

    Described mobile-phone payment gateway;

    provide integrated interface to prepaid mobile phone recharging application and supplement record storage unit with money, the various source that disburses funds can be accepted;

    After paying successfully, mobile-phone payment gateway is issued and is supplemented record storage unit by comprising the amount of money, the dealing money of supplementing with money and uniquely can indicating the payment of the card number of non-contact IC card and Transaction Information with money and preserve;

    Described card certification and supplement platform with money;

    be card certification and generate the far-end server of supplementing instruction with money, application protocol according to card distributing and releasing corporation carries out certification to the validity of non-contact IC card, and whether before the deadline and whether be put on the blacklist whether this validity certification comprises is the card, that this card distributing and releasing corporation is sent out;

    Application protocol according to card distributing and releasing corporation card effectively supplements instruction with money to non-contact IC card generation, is transmitted to non-contact IC card via prepaid mobile phone recharging application;

    Accept the payment from mobile-phone payment gateway and Transaction Information, payment and Transaction Information are converted to and supplements record with money stored in supplementing record storage unit with money;

    There is provided inquiry to supplement record storage unit with money to prepaid mobile phone recharging application and whether have the result of supplementing record with money;

    Success, for after non-contact IC card supplements with money, generates card recharging payment and passs on a skill from a master to a single disciple to card exchange settlement platform and make settlement process;

    Described supplements record storage unit with money; and

    can supplement with money together with Platform deployment or be deployed in different places with card certification, when user successfully to pay as after card carries out the amount of money of supplementing with money by the upper integrated mobile-phone payment gateway of prepaid mobile phone recharging application, using payment and Transaction Information convert to supplement record with money after stored in the voucher of supplementing record storage unit with money and effectively paying as user;

    If the reason because of communication network causes supplementing operation failure with money, as long as this is supplemented record with money and is stored in and supplements record storage unit with money, user can repeat when communication network recovers to supplement operation with money, once supplement successful operation with money, this state of supplementing record with money is just updated, and this is supplemented record with money and just can not be used to continue to supplement with money.

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