Processing system and method for rechargeable paying

Abstract

The invention discloses a processing system and method for rechargeable paying. The system comprises a paying processing system, a password generation system and a stored value facility, wherein the paying processing system is used for processing payment transaction on a payment platform chosen by a user according to the identification number of the stored value facility and the transaction amount of the transaction; after the payment transaction is finished, the paying processing system sends a rechargeable password generation request to the password generation system and carries the identification number of the stored value facility and the transaction information of the transaction; the password generation system is used for inquiring a corresponding verification serial number and an encryption key according to the identification number of the stored value facility; the encryption key carries out encryption operation on the verification serial number and the transaction information of the transaction to generate the rechargeable password of the transaction; the stored value facility carries out decryption operation on an input rechargeable password according to a stored decryption key; if the verification serial number and the transaction information obtained by decryption are legal, the processing system for rechargeable paying of the invention performs recharging according to the verification serial number and the transaction information obtained by the decryption. The processing system and method for rechargeable paying of the invention has flexible rechargeable mode and can ensure the safety of recharging.

Description

Technical field [0001] The embodiment of the present invention relates to stored value technology, in particular to a recharge payment processing system and method. Background technique [0002] The current on-site payment method mainly uses a wireless storage value device with a short-range wireless antenna such as a radio frequency (RF) to interact with a credit card device to realize the function of an electronic wallet. These wireless stored-value devices can be implemented in various forms, such as subscriber identity module (Subscriber Identity Module / User Identity Model; SIM / UIM) cards, expansion cards, SD cards, mobile phone straps and keys that users carry with them. Deduction for stored value, etc. When recharging, the SIM / UIM card can be loaded by SMS. Other forms of stored value devices do not have remote communication means, so special recharge devices need to be used at the counter for recharging operations. [0003] Therefore, the existing stored-value equipment is...

AI Technical Summary

Problems solved by technology

[0004] The present invention provides a recharge payment processing system and method, which are used to solve the defects of inconvenient recharge and poor security of recharge operation in the prior art, and realize convenient and safe recharge to the value storage device

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