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Method and device for recharging a micropayment card

A recharge method and payment card technology, applied in the payment system, payment system structure, protocol authorization, etc., can solve the problem of inconvenient recharge for users

Inactive Publication Date: 2018-11-30
CHENGLIAN DATA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present invention provides a method and device for recharging a small-amount payment card, which solves the inconvenience of users recharging due to the lack of recharging outlets in daily life, but if more recharging outlets are built, the necessary Invest more funds, people, and material resources in technical issues

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  • Method and device for recharging a micropayment card
  • Method and device for recharging a micropayment card
  • Method and device for recharging a micropayment card

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Embodiment Construction

[0052] The embodiment of the present invention provides a method and device for recharging a small-amount payment card, which solves the inconvenience of users recharging due to the lack of recharging outlets in daily life, but if more recharging outlets are built, the necessary Invest more funds, people, and material resources in technical issues.

[0053] In order to make the purpose, features and advantages of the present invention more obvious and understandable, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the following The described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present ...

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Abstract

The embodiment of the invention discloses a recharge method and device of a micro-payment card. After a recharge cipher, which is obtained according to a second preset algorithm in accordance with a transmission key session key, is decrypted and passes verification, recharge authentication data obtained according to a preset encryption mode in accordance with the recharge key session key passes the verification, and then recharge response authentication data and a response certificate corresponding to the recharge authentication data are acquired, so payment consumption can be performed by a cardholder of the micro-payment card at any time and any place and recharge can also be performed at any time and any place without considering the hardware problem of a card check terminal; the verification of the background recharge cipher is realized through only the micro-payment card with the recharge cipher; the technical problems of inconvenience in recharge of a user caused by fewer recharge websites in life and need of investing more money and human and material resources caused if more recharge websites are constructed are solved.

Description

technical field [0001] The invention relates to the technical field of payment and recharge, in particular to a method and device for recharging a small payment card. Background technique [0002] With the rapid development of science and technology, micropayment cards are becoming more and more popular among the public, such as bus IC cards, citizen IC cards, city cards and other CPU smart cards with micropayment functions. According to incomplete statistics, there are currently such cards in the country. The volume has exceeded 400 million, which are mainly used for public transportation payments such as buses, subways, and ferries, as well as for small payments such as newspaper kiosks, fast food restaurants, and small supermarkets. The wide application of such small payment cards has greatly facilitated user's life. [0003] The currently used micropayment cards, card technical specifications and systems define a complete set of recharge transaction procedures for card ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/38G06Q20/40G06Q20/34G06Q20/36
CPCG06Q20/349G06Q20/3829G06Q20/4014
Inventor 雷迭生
Owner CHENGLIAN DATA
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