CN103679979B - Data processing method and data processing equipment - Google Patents

Abstract

The invention discloses a data processing method and equipment, wherein the method comprises: a terminal determines that the account to which the terminal belongs needs to send offline data in batches for account processing; the terminal uploads the offline data in batches through wireless communication; the receiving terminal Send offline data to the batch uploaded through wireless communication; send the offline data receiving information to the terminal, and perform accounting processing on the account of the terminal according to the offline data; the terminal sends the offline data after receiving the returned batch After the off-line data is successfully received, the off-line data uploaded in the batch is cleared. Adopting the present invention can save the line application and usage fees of merchants receiving orders, accept offline transactions online, and do not need network support and printing documents. During the approval operation, access to the bank network through mobile banking greatly saves the investment on the acquiring line; no need to add additional equipment, only a smart phone with the NFC function of the short-range wireless communication technology is required, and the flexibility of the acquiring business Greatly improve.

Description

Data processing method and equipment

technical field

The present invention relates to the field of computer technology, in particular to a data processing method and equipment.

Background technique

POS (point of sale, sales terminal) is a multi-functional terminal. It is installed in the special merchants and acceptance outlets of credit cards and connected with computers to form a network to realize automatic transfer of electronic funds. It supports consumption, pre-authorization, Functions such as balance inquiry and transfer. Figure 1 is a schematic diagram of the basic architecture of the existing POS acquiring system. In Figure 1, PSDN (PacketSwitched Data Network, Packet Switched Data Network) is a communication network that uses packets (Packet) as the basic data unit for data exchange, and VPN (Virtual Private Network, virtual private network) refers to the technology of establishing a private network on a public network. It is called a virtual network mainly because the connection between any two nodes of the entire VPN network does not have the terminal required by the traditional private network. The end-to-end physical link is a logical network based on a network platform provided by a public network service provider, such as the Internet, ATM (Asynchronous Transfer Mode), Frame Relay (Frame Relay), etc. User data is on the logical link in transmission. As shown in Figure 1:

Wired POS 102 dials in through PSDN dialing (the bank's designated access number), accesses the network controller 103 of the bank network, and connects to the bank system's pre-acquisition system 104 through the network controller 103 to process the acquiring business.

The wireless POS 101 is connected to the network controller 103 of the bank network through the dedicated VPN line, and is connected to the pre-acquiring system 104 of the bank system through the network controller 103 to process the acquiring business.

For electronic cash transactions accepted by the POS, the terminal needs to perform regular approval operations and send it to the pre-acquiring system to complete the fund settlement to the merchant. It involves the processing of inter-bank exchange system 105 , security system 106 , business system 107 , UnionPay 108 and bank core equipment 109 .

However, there are only these two types of acquiring systems in the above-mentioned prior art, but the threshold for opening an account is relatively high, the acquiring environment is poor, and the acquiring process is cumbersome.

Contents of the invention

The embodiment of the present invention provides a data processing method, which is used to save the line application and usage fees of the acquiring merchants, and improve the flexibility of the acquiring business. The method includes:

Batch upload offline data uploaded by the receiving terminal through wireless communication;

Return batch upload offline data reception information to the terminal, and perform accounting processing on the account to which the terminal belongs according to the offline data;

The off-line data sent in batches is the transaction data between the terminal and the integrated circuit IC card;

The transaction data is the transaction data interacted between the terminal and the IC card through the short-range wireless communication technology NFC.

In one embodiment, the method further comprises:

Receive the acquiring business application submitted by the terminal through wireless communication;

After passing the review, bind the account specified by the terminal with the batch upload offline data of the terminal;

The account is processed according to the offline data uploaded by the terminal through wireless communication.

In one embodiment, the method further comprises:

receiving the query request submitted by the terminal through wireless communication;

The account processing result of the account to which the terminal belongs is returned to the terminal.

In the embodiment of the present invention, a data processing method is also provided, which is used to save the line application and usage fees of the acquirer, and improve the flexibility of the acquirer business. The method includes:

The terminal determines that the account to which the terminal belongs requires batch uploading of offline data;

The terminal uploads batches of offline data through wireless communication;

After receiving the returned batch uploading offline data receiving success information, clearing the batch uploading offline data;

The off-line data sent in batches is the transaction data between the terminal and an integrated circuit IC (Integrated Circuit Card, integrated circuit) card;

The transaction data is transaction data exchanged between the terminal and the IC card through NFC (Near Field Communication, short-range wireless communication technology).

In one embodiment, the method further comprises:

The terminal submits the acquiring business application through wireless communication;

The terminal designates an account bound to the batch upload offline data of the terminal;

After passing the review, the terminal will upload the batch offline data that needs to be processed for the account through wireless communication.

In one embodiment, the method further comprises:

When it is necessary to know the account processing result of the account to which the terminal belongs, the terminal submits a query request through wireless communication.

In one embodiment, the transaction data exchanged between the terminal and the IC card through NFC includes:

Log in to mobile banking at the terminal and start the mobile acquiring application;

Enter transaction information such as transaction amount;

When payment is made by swiping the card after the transaction information is submitted to the cardholder for confirmation, the electronic cash amount is updated;

The terminal confirms the payment information, and submits the successful payment information to the cardholder for confirmation.

In the embodiment of the present invention, a data processing method is also provided, which is used to save the line application and usage fees of the acquirer, and improve the flexibility of the acquirer business. The method includes:

The terminal determines that the account to which the terminal belongs requires batch uploading of offline data;

The terminal uploads batches of offline data through wireless communication;

Batch upload offline data uploaded by the receiving terminal through wireless communication;

Return batch upload offline data reception information to the terminal, and perform accounting processing on the account to which the terminal belongs according to the offline data;

After the terminal receives the returned batch uploading offline data reception success message, clears the batch uploading offline data;

The off-line data sent in batches is the transaction data between the terminal and the integrated circuit IC card;

The transaction data is the transaction data interacted between the terminal and the IC card through the short-range wireless communication technology NFC.

In the embodiment of the present invention, a data processing device is also provided, which is used to save the line application and usage fees of the acquiring merchants, and improve the flexibility of the acquiring business. The device includes:

The wireless receiving module is used to receive the batch uploading offline data uploaded by the terminal through wireless communication;

The data processing module is used to return batch uploading offline data reception information to the terminal, and perform accounting processing on the account to which the terminal belongs according to the offline data;

The off-line data sent in batches is the transaction data between the terminal and the integrated circuit IC card;

The transaction data is the transaction data interacted between the terminal and the IC card through the short-range wireless communication technology NFC.

In one embodiment, the device further comprises:

The application receiving module is used to receive the acquiring business application submitted by the terminal through wireless communication;

The binding module is used to bind the account specified by the terminal with the batch upload offline data of the terminal after the audit is passed;

The data processing module is further used to perform accounting processing on the account according to the offline data uploaded by the terminal through wireless communication.

In one embodiment, the device further comprises:

The query receiving module is used to receive the query request submitted by the terminal through wireless communication;

The query result module is used to return to the terminal the account processing result of the account to which the terminal belongs.

In the embodiment of the present invention, a data processing terminal is also provided, which is used to save the line application and usage fees of the acquiring merchants, and improve the flexibility of the acquiring business. The terminal includes:

The data processing module is used to determine that the account to which the terminal belongs needs to perform batch uploading of offline data for accounting processing;

The upload module is used to upload batches and send offline data through wireless communication;

The clearing module is used to clear the offline data sent in the batch after receiving the returned batch uploaded offline data reception success message;

The upload module is further used to upload the transaction data of the terminal and the IC card as the batch of offline data;

The IC card transaction module is used to exchange transaction data with the IC card through NFC;

The uploading module is further used for uploading the transaction data of interaction between the terminal and the IC card through NFC as the transaction data.

In one embodiment, the terminal further includes:

An application request module, used for submitting an acquiring business application through wireless communication;

An account designation module, used to designate an account bound to the terminal's batch upload offline data;

The uploading module is used for uploading the offline data that needs to be processed in batches for the account through wireless communication after the audit is passed.

In one embodiment, the terminal further includes:

The query module is configured to submit a query request through wireless communication when it is necessary to know the account processing result of the account to which the terminal belongs.

In the embodiment of the present invention, a data processing system is also provided, which is used to save the line application and use fees of the acquiring merchants, and improve the flexibility of the acquiring business. The system includes: the aforementioned data processing equipment, the aforementioned data processing terminal, in:

The data processing terminal is used to upload the batch offline data through wireless communication when it is determined that the account to which the terminal belongs needs to be uploaded for account processing; and send the offline data after receiving the returned batch After receiving the successful message, clear the offline data uploaded by the batch;

The data processing device is used to return batch upload offline data reception information to the terminal after receiving the batch upload offline data uploaded by the terminal through wireless communication, and perform accounting processing on the account to which the terminal belongs according to the offline data.

In the embodiment of the present invention, it is possible to save the line application and usage fees of the acquirer, accept offline transactions online, and do not need network support or printing of documents. During the approval operation, access to the bank network through mobile banking greatly saves the investment in the acquiring line; no additional equipment is needed, only a smart phone with NFC function is required, and the flexibility of the acquiring business is greatly improved.

Description of drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments of the present invention. Those skilled in the art can also obtain other drawings based on these drawings without creative work. In the attached picture:

FIG. 1 is a schematic diagram of the basic architecture of a POS acquiring system in the prior art;

FIG. 2 is a schematic diagram of the implementation flow of the data processing method on the server side in the embodiment of the present invention;

FIG. 3 is a schematic diagram of an implementation flow of a data processing method on a terminal side in an embodiment of the present invention;

FIG. 4 is a schematic diagram of an implementation flow of a data processing method combining a server side and a terminal side in an embodiment of the present invention;

Fig. 5 is a schematic diagram of the overall business system of the small-amount acquiring system in the embodiment of the present invention;

Fig. 6 is a schematic diagram of the signing process of the small-amount acquiring system in the embodiment of the present invention;

Fig. 7 is a schematic diagram of the implementation of the payment process of the small-amount acquiring system in the embodiment of the present invention;

Fig. 8 is a schematic diagram of the implementation of the interaction process between the terminal and the card in the embodiment of the present invention;

Fig. 9 is a schematic diagram of the implementation of the liquidation process of the small-amount acquiring system in the embodiment of the present invention;

FIG. 10 is a schematic structural diagram of a data processing device in an embodiment of the present invention;

FIG. 11 is a schematic structural diagram of a data processing terminal in an embodiment of the present invention;

FIG. 12 is a schematic structural diagram of a data processing system in an embodiment of the present invention.

detailed description

In order to make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention will be further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments and descriptions of the present invention are used to explain the present invention, but not to limit the present invention.

In the process of realizing the present invention, the inventor focused on non-traditional fields, analyzed and studied the acquiring business of small and micro merchants, and proposed a small-amount acquiring system based on NFC. NFC is a non-contact identification and interconnection technology , which can perform short-range wireless communication between mobile devices, consumer electronics, PCs, and smart control tools. From the perspective of business, the current national policy is vigorously supporting small and micro merchants, while the bank card acquiring business has not yet covered a wide range, and most of them are cash payments. The current acquiring business still has certain limitations for small and micro merchants. For example, the threshold for merchants to open an acquiring account is relatively high, the acquiring environment is poor, and the acquiring process is cumbersome. From a technical point of view, with the help of NFC short-distance wireless communication, combined with mobile banking to promote the "micro-acquiring merchant APP application", accepting offline small-amount electronic cash consumption transactions can meet the acquiring needs of small and micro merchants.

The characteristics of the small amount acquiring system are mainly reflected in five "micro":

1. "Micro" amount: clear positioning, only for accepting offline small-amount fast payment transactions with financial IC cards, IC cards, also known as smart cards, intelligent cards, microcircuit cards or Microchip cards, etc. It is made into a card form by embedding a microelectronic chip in a card base conforming to the ISO 7816 standard. The communication mode between the IC card and the reader can be contact or non-contact;

2. "Micro" risk: NFC point-to-point secure data transmission, financial IC card PBOC (The People's Bank of China, People's Bank of China) electronic cash security specification, mobile banking APP, triple security guarantee;

3. "Micro" investment: completely based on the construction of the existing acquiring system, only need to develop additional mobile APP applications;

4. "Micro" equipment: Acquiring banks and merchants do not need to add additional equipment, only need to have a smart phone with NFC function;

5. "Micro" cost: accept offline transactions online, without network support and printing documents. Only when the merchant performs the approval operation, the network link to the acquiring bank is required.

These characteristics of the small-amount acquiring system adapt to the development trend of bank cards, and are based on PBOC-standard IC cards. This will play a positive role in the promotion of IC card business, and the development of IC will also promote the optimization and development of the small-value acquiring system.

In order to solve the above problems, the embodiment of the present invention provides: a data processing method located on the server side that can be used by banks in practice, and Figure 2 is a schematic diagram of the implementation process of the data processing method on the server side, as shown in Figure 2 , the method can include:

Step 201, receiving offline data uploaded by the terminal via wireless communication;

Step 202 , returning batch upload offline data reception information to the terminal, and performing accounting processing on the account to which the terminal belongs according to the offline data.

In one embodiment, may further include:

Receive the account opening application submitted by the terminal through wireless communication;

After passing the review, bind the account specified by the terminal with the batch upload offline data of the terminal;

The account is processed according to the offline data uploaded by the terminal through wireless communication.

In one embodiment, may further include:

receiving the query request submitted by the terminal through wireless communication;

The account processing result of the account to which the terminal belongs is returned to the terminal.

In order to solve the above problems, the embodiment of the present invention also provides: a data processing method located on the terminal side that can be used by small and micro merchants in practice. Figure 3 is a schematic diagram of the implementation process of the data processing method on the terminal side, as shown in 3, the method may include:

Step 301, the terminal determines that the account to which the terminal belongs needs to perform batch uploading of the offline data for accounting processing;

Step 302, the terminal uploads batches of offline data through wireless communication;

Step 303, after receiving the returned batch upload offline data receiving success message, clear the batch upload offline data.

In one embodiment, may further include:

The terminal submits an account opening application through wireless communication;

The terminal designates an account bound to the batch upload offline data of the terminal;

After passing the review, the terminal will upload the batch offline data that needs to be processed for the account through wireless communication.

In one embodiment, may further include:

When it is necessary to know the account processing result of the account to which the terminal belongs, the terminal submits a query request through wireless communication.

In one embodiment, the batch of offline data uploaded may be transaction data between the terminal and the IC card.

In an embodiment, the transaction data may be transaction data of interaction between the terminal and the IC card through NFC.

In one embodiment, the transaction data exchanged between the terminal and the IC card through NFC may include:

Log in to mobile banking at the terminal and start the mobile acquiring application;

Enter transaction information such as transaction amount;

When payment is made by swiping the card after the transaction information is submitted to the cardholder for confirmation, the electronic cash amount is updated;

The terminal confirms the payment information, and submits the successful payment information to the cardholder for confirmation.

In order to solve the above problems, the embodiment of the present invention also provides a data processing method that combines the server side and the terminal side and can be used by banks and small and micro merchants in practice. Figure 4 shows the combination of the server side and the terminal side. A schematic diagram of the implementation flow of the data processing method, as shown in Figure 4, the method may include:

Step 401, the terminal determines that the account to which the terminal belongs needs to perform batch uploading of the offline data for accounting processing;

Step 402, the terminal uploads batches of offline data through wireless communication;

Step 403, receiving the off-line data uploaded by the terminal via wireless communication;

Step 404, returning batch uploading offline data reception information to the terminal, and performing accounting processing on the account to which the terminal belongs according to the offline data;

Step 405: After receiving the returned batch upload offline data reception success message, the terminal clears the batch upload offline data.

The specific implementation of the micro-acquiring system for small and micro merchants of the present invention will be described below in combination with examples.

Figure 5 is a schematic diagram of the overall business system of the small-value acquiring system. As shown in Figure 5, the interaction relationship between the cardholder, the merchant, and the bank is:

Step 501, the merchant signs a contract with the bank to carry out the small-amount acquiring business;

Step 502, after the merchant signs a contract to activate the service, the cardholder can directly make payment at the merchant;

Step 503, the merchant online batch uploads the offline consumption records of the day;

Step 504, the bank performs liquidation.

During this process, both the cardholder and the merchant can make inquiries to the bank (step 505 in the figure).

During the implementation, merchants who carry out small-amount acquiring business must first have a mobile phone with NFC function and apply for a contract online through the bank's mobile phone client. After the merchant's application is successful, the IC card holder can pay for consumption and query historical transaction records. Merchants can send batches of offline documents in the small-value acquiring system to Bank of Communications every day, and Bank of Communications will carry out liquidation; at the same time, merchants can also query the settlement information.

The specific implementation manner among the three will be described below.

In the explanation process, first introduce the signing process between the merchant and the bank, then introduce the transaction process between the cardholder and the merchant, and the settlement process between the merchant and the bank. Although in the implementation instructions, the cardholders, merchants, and banks are explained separately, this does not mean that the three must cooperate with the implementation. In fact, when the cardholders, merchants, and banks are implemented separately, they also have their own Solve the problems of cardholders, merchants, and banks, but when the three are used in combination, better technical results will be obtained.

1. Implementation instructions for the signing process between merchants and banks.

Figure 6 is a schematic diagram of the signing process of the small-value acquiring system. The signing process of the merchant is shown in Figure 6, including the following steps:

Step 601, the user submits an application;

Step 602, the bank conducts a review after accepting the application;

Step 603, the bank returns the account opening success after passing the review;

Step 604, the merchant accepts the account opening success notification;

Step 605, the merchant installs the mobile banking client and binds the bank card to activate the account;

Step 606, log in to the mobile banking to start acquiring business;

Step 607, the merchant applies for the mobile phone acquiring application and submits the necessary information;

Step 608, the bank receives the request and information for applying for the mobile phone acquiring application;

Step 609, the bank accepts and examines the application;

Step 610, the bank notifies the user that the mobile phone acquiring application is successful after passing the review;

Step 611, the merchant accepts the successful notification of the mobile acquiring application.

During the implementation, the merchant initiates a contract application through mobile banking and submits the necessary information; after the application is submitted, the system executes the small and micro merchant review process in the background. After the review is successful, the small and micro merchant is notified through mobile banking, and IC card parameters such as the public key of the certification authority are downloaded Go to the merchant's mobile banking client.

2. Description of the implementation of the transaction process between the cardholder and the merchant.

Figure 7 is a schematic diagram of the implementation of the payment process of the small-amount acquiring system. As shown in Figure 7, the payment includes the following steps:

Step 701, the merchant logs into the mobile banking and starts the mobile acquiring application;

Step 702, input transaction information such as transaction amount;

Step 703, the merchant submits the transaction information to the cardholder for confirmation;

Step 704, the cardholder confirms the transaction information;

Step 705, the cardholder swipes the card to pay, and updates the electronic cash amount;

Step 706, the merchant confirms the payment information;

Step 707, the merchant submits the successful payment information to the cardholder for confirmation;

Step 708, the cardholder confirms the successful payment information.

During implementation, the payment process occurs after the merchant initiates a consumption transaction, and the cardholder needs to confirm the transaction amount after receiving the transaction information from the merchant; when the cardholder swipes the card to pay, the electronic cash balance will be updated and the transaction is successful. Among them, there is no need for passwords, signatures, or printed purchase slips during electronic cash transactions.

Figure 8 is a schematic diagram of the implementation of the interaction process between the terminal and the card. As shown in Figure 8, when the merchant's mobile phone acquiring system with NFC function and the cardholder accept IC card electronic cash, the interaction process between the terminal and the card includes the following step:

Step 801, the merchant signs a contract;

Step 802, the merchant downloads the public key IC card parameters of the certification authority;

Step 803, the merchant initiates the card swiping business, and enters the amount of the card swiping, etc.;

Step 804, merchant transaction preprocessing, prompting to swipe the card after completion;

Step 805, the cardholder swipes the card, and the card is powered on;

Step 806, card reader terminal authentication;

Step 807, uploading packaged data;

Step 808, the merchant receives the card data and performs card authentication;

Step 809, merchant transaction logic processing, return to write card script;

Step 810, the cardholder updates the card balance and performs TC verification;

Step 811, the cardholder returns the TC data, and the card is powered off;

Step 812, the merchant saves the TC verification data;

Step 813, the merchant displays the transaction success interface.

3. Implementation instructions for the liquidation process between merchants and banks.

Figure 9 is a schematic diagram of the implementation of the liquidation process of the small-amount acquiring system. As shown in Figure 9, the following steps may be included in the liquidation process:

Step 901, the merchant batch uploads and submits the micropayment offline file;

Step 902, the bank accepts the offline file;

Step 903, the bank returns the batch upload success to the merchant;

Step 904, the merchant clears the local offline data;

Step 905, the bank performs offline file clearing;

Step 906, the bank credits the merchant.

During implementation, after the merchants close their business every day, on the premise of keeping the mobile phone network unblocked, all offline consumption records of the day can be sent online in batches. The background receives the offline consumption records sent by the merchants, and performs liquidation at the end of the day (if the liquidation time of the day is missed, it will be liquidated on the next day), and generates merchant account entry documents and account reconciliation documents.

Based on the same inventive concept, the embodiment of the present invention also provides a data processing device, a data processing terminal, and a data processing system. Since the problem-solving principle of these devices is similar to that of the data processing method, the implementation of these devices can be referred to in the implementation of the method , the repetitions will not be repeated.

Figure 10 is a schematic structural diagram of data processing equipment, which is located on the server side and can be used by banks in practice. The equipment includes:

The wireless receiving module 1001 is used to receive batches of offline data uploaded by the terminal through wireless communication;

The data processing module 1002 is configured to return batch upload offline data reception information to the terminal, and perform accounting processing on the account to which the terminal belongs according to the offline data.

In one embodiment, the device may further include:

The application receiving module is used to receive the account opening application submitted by the terminal through wireless communication;

The binding module is used to bind the account specified by the terminal with the batch upload offline data of the terminal after the audit is passed;

The data processing module is further used to perform accounting processing on the account according to the offline data uploaded by the terminal through wireless communication.

In one embodiment, the device may further include:

The query receiving module is used to receive the query request submitted by the terminal through wireless communication;

The query result module is used to return to the terminal the account processing result of the account to which the terminal belongs.

Figure 11 is a schematic diagram of the structure of a data processing terminal. The terminal can be located on the terminal side and can be used by small and micro businesses in practice. As shown in Figure 11, the terminal can include:

The data processing module 1101 is used to determine that the account to which the terminal belongs needs to perform batch uploading of account processing offline data;

Upload module 1102, for uploading and sending offline data in batches through wireless communication;

The clearing module 1103 is configured to clear the batch uploaded offline data after receiving the returned batch uploaded offline data receiving success message.

In an embodiment, the terminal may further include:

An application request module, used to submit an account opening application through wireless communication;

An account designation module, used to designate an account bound to the terminal's batch upload offline data;

The uploading module is used for uploading the offline data that needs to be processed in batches for the account through wireless communication after the audit is passed.

In an embodiment, the terminal may further include:

The query module is configured to submit a query request through wireless communication when it is necessary to know the account processing result of the account to which the terminal belongs.

In one embodiment, the uploading module may be further configured to upload the transaction data between the terminal and the IC card as the batch uploading offline data.

In an embodiment, the terminal may further include:

The IC card transaction module is used to exchange transaction data with the IC card through NFC.

In one embodiment, the uploading module may be further configured to upload transaction data of interaction between the terminal and the IC card through NFC as the transaction data.

Figure 12 is a schematic diagram of the structure of the data processing system. This system is a combination of the server side and the terminal side, and can be used by banks and small and micro merchants in practice. As shown in Figure 12, the system may include: data processing equipment on the server side , the data processing terminal on the terminal side, where:

The data processing terminal 1201 is used to upload the batch offline data through wireless communication when it is determined that the account to which the terminal belongs needs to be uploaded for account processing; and send the offline data after receiving the returned batch. After the data is successfully received, clear the batch uploaded offline data;

The data processing device 1202 is configured to, after receiving the batch upload offline data uploaded by the terminal through wireless communication, return the batch upload offline data reception information to the terminal, and perform accounting processing on the account to which the terminal belongs according to the offline data .

In order to better illustrate the specific implementation of the present invention, the following description will be made in conjunction with the products currently available on the market.

An acquiring system and mobile banking that can be found on the market and can implement embodiments of the present invention (and related inventions) on it can be the acquiring system and mobile banking system provided by China Bank of Communications Co., Ltd., but note that, While the discussion of the related invention and the present invention is in relation to acquiring systems, mobile banking systems, the inventive concept is applicable to other types of frameworks that provide similar functionality, so references to acquiring systems, mobile banking systems are only examples rather than limiting. The specific implementation can be realized as follows:

The micro-acquiring business can be realized by carrying out corresponding technical transformation on the acquiring system and the mobile banking system.

Acquiring system:

The acquiring system carries out corresponding technical transformation for the micro-acquiring business, supports merchants to apply for online account opening (merchants) through mobile phones; and supports offline consumption details of IC cards sent by mobile banking.

mobile bank:

Mobile banking develops an independent APP application program for "micro-receipt" merchants, and general customers can download and install it independently; the "micro-receipt" APP has the following main functions:

1. Submit the application for "micro receipt" business online, and complete the entire signing process online.

2. On mobile phones with NFC function, it supports the acceptance of offline IC card electronic cash transactions.

3. It has the ability to safely store and accept off-line IC card electronic cash transaction details locally, and this part of data is encrypted and stored.

4. Through the network, the local machine saves and accepts the offline IC card electronic cash transaction details file and sends it to the acquiring system. After the data is verified, it will conduct fund settlement to the merchant.

During the implementation, the devices selected on the terminal side may at least be smart phones of different types with IOS and Android systems, and only the smart phones need to have the NFC function during the implementation.

The mobile phone "micro receipt" APP application module can use Bluetooth and other communication methods to transmit data with the accepted IC card.

It can be seen from the above description that in the technical solution provided by the embodiment of the present invention, the NFC function of the mobile phone is combined with the electronic cash of the IC card, and the "micro-acquisition" acquiring system is innovated in the field of acquiring business, which is realized through the NFC function of the mobile phone. Acquiring business, no need to add additional acceptance and security equipment. The mobile phone "micro-receipt" APP application module has the ability to securely store offline consumption detailed files of IC cards locally. The mobile phone "micro receipt" APP application module can safely pass the IC card offline consumption detailed documents through mobile banking. Micro-acquisition can be bundled with the merchant's mobile phone number, combined with appropriate management mechanism and technical control, it can effectively prevent business risks. Therefore, the technical solutions provided in the embodiments of the present invention can bring the following beneficial effects:

1. Simplify the account opening application process. Users can submit online applications for the "micro-acquisition" business and complete the entire signing process online.

2. Save the line application and usage fees of the acquiring merchants, accept offline transactions online, without network support and printing documents. Only when the merchant performs the approval operation, the network link to the acquiring bank is required.

3. "Micro receipt" is connected to the bank network through mobile banking, which greatly saves the investment in the receipt line.

4. "Micro-acquiring" Acquiring banks and merchants do not need to add additional equipment, only need to have a smart phone with NFC function, and the flexibility of the acquiring business is greatly improved.

5. "Micro-acquisition" is completely based on the construction of the existing acquiring system, and only needs to develop additional mobile APP applications.

6. The "micro receipt" transaction voucher is electronicized, which greatly saves the maintenance cost of the terminal.

7. The "micro-acquisition" system adopts NFC point-to-point secure data transmission, PBOC electronic cash security specifications for financial IC cards, mobile banking APP, triple security guarantees, and high transaction security.

Those skilled in the art should understand that the embodiments of the present invention may be provided as methods, systems, or computer program products. Accordingly, the present invention can take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It should be understood that each procedure and/or block in the flowchart and/or block diagram, and a combination of procedures and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions may be provided to a general purpose computer, special purpose computer, embedded processor, or processor of other programmable data processing equipment to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing equipment produce a An apparatus for realizing the functions specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing apparatus to operate in a specific manner, such that the instructions stored in the computer-readable memory produce an article of manufacture comprising instruction means, the instructions The device realizes the function specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram.

These computer program instructions can also be loaded onto a computer or other programmable data processing device, causing a series of operational steps to be performed on the computer or other programmable device to produce a computer-implemented process, thereby The instructions provide steps for implementing the functions specified in the flow chart or blocks of the flowchart and/or the block or blocks of the block diagrams.

The specific embodiments described above have further described the purpose, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above descriptions are only specific embodiments of the present invention and are not intended to limit the scope of the present invention. Protection scope, within the spirit and principles of the present invention, any modification, equivalent replacement, improvement, etc., shall be included in the protection scope of the present invention.

Claims (11)

1. a kind of data processing method is it is characterised in that the method includes：

Receiving terminal by communication upload batch on send offline data；

Return to terminal to criticize and send offline data receive information, and affiliated account is carried out at account to this terminal according to offline data Reason；

The transaction data that offline data is terminal and integrated circuit IC-card is sent on described batch；

Described transaction data is the transaction data that terminal is interacted by near field communication (NFC) NFC with IC-card；

Further include：

The receipts list business application that receiving terminal is submitted to by communication；

After examination ＆ verification is passed through, the account that this terminal is specified send offline data to bind with criticizing of this terminal；

Accounting processing is carried out to this account according to the offline data that this terminal follow-up is uploaded by communication.

2. the method for claim 1 is it is characterised in that further include：

The inquiry request that receiving terminal is submitted to by communication；

Return the accounting processing result of the affiliated account of this terminal to terminal.

3. a kind of data processing method is it is characterised in that the method includes：

Terminal determines that the affiliated account of this terminal need to carry out criticizing of accounting processing and send offline data；

Terminal uploads by communication to criticize send offline data；

Receive return batch on send offline data to receive successful information after, remove and send offline data on described batch；

The transaction data that offline data is terminal and integrated circuit IC-card is sent on described batch；

Described transaction data is the transaction data that terminal is interacted by near field communication (NFC) NFC with IC-card；

Further include：

Terminal is submitted to by communication and is received single business application；

Terminal specify with this terminal batch on send offline data binding account；

After examination ＆ verification is passed through, needs are carried out criticizing of accounting processing and send offline data to pass through communication by terminal to this account Upload.

4. method as claimed in claim 3 is it is characterised in that further include：

In the accounting processing result needing to know the affiliated account of terminal, terminal submits inquiry request to by communication.

5. method as claimed in claim 3 is it is characterised in that terminal interacts transaction data with IC-card by NFC includes：

Terminal logs in Mobile banking starts mobile phone and receives single application；

The Transaction Informations such as input dealing money；

Transaction Information submit to holder carry out swiping the card after confirming payment when, update the electronic cash amount of money；

Terminal check payment information, and successful information submission holder's confirmation will be paid.

6. a kind of data processing method is it is characterised in that the method includes：

Terminal determines that the affiliated account of this terminal need to carry out criticizing of accounting processing and send offline data；

Terminal uploads by communication to criticize send offline data；

Receiving terminal by communication upload batch on send offline data；

Return to terminal to criticize and send offline data receive information, and affiliated account is carried out at account to this terminal according to offline data Reason；

Terminal receive return batch on send offline data to receive successful information after, remove and send offline data on described batch；

The transaction data that offline data is terminal and integrated circuit IC-card is sent on described batch；

Described transaction data is the transaction data that terminal is interacted by near field communication (NFC) NFC with IC-card；

Further include：

Terminal is submitted to by communication and is received single business application；

Terminal specify with this terminal batch on send offline data binding account；

The receipts list business application that receiving terminal is submitted to by communication；

After examination ＆ verification is passed through, the account that this terminal is specified send offline data to bind with criticizing of this terminal；

After examination ＆ verification is passed through, needs are carried out criticizing of accounting processing and send offline data to pass through communication by terminal to this account Upload；

Accounting processing is carried out to this account according to the offline data that this terminal follow-up is uploaded by communication.

7. a kind of data processing equipment is it is characterised in that this equipment includes：

Wireless receiving module, for receiving terminal by communication upload batch on send offline data；

Data processing module, send offline data receive information for returning to terminal to criticize, and according to offline data to this terminal Affiliated account carries out accounting processing；

The transaction data that offline data is terminal and integrated circuit IC-card is sent on described batch；

Described transaction data is the transaction data that terminal is interacted by near field communication (NFC) NFC with IC-card；

Further include：

Application receiver module, the receipts list business application submitted to by communication for receiving terminal；

Binding module, for, after examination ＆ verification is passed through, the account that this terminal is specified send offline data to bind with criticizing of this terminal；

Data processing module is further used for according to the offline data that subsequently this terminal is uploaded by communication to this account Number carry out accounting processing.

8. data processing equipment as claimed in claim 7 is it is characterised in that further include：

Inquire-receive module, the inquiry request submitted to by communication for receiving terminal；

Query Result module, for returning the accounting processing result of the affiliated account of this terminal to terminal.

9. a kind of data processing terminal is it is characterised in that this terminal includes：

Data processing module, send offline data for determining that the affiliated account of this terminal need to carry out criticizing of accounting processing；

Upper transmission module, send offline data for uploading by communication to criticize；

Remove module, for receive return batch on send offline data to receive successful information after, remove send on described batch de- Machine data；

Upper transmission module is further used for the transaction data of terminal and IC-card send as on described batch offline data upload；

IC-card transaction modules, for interacting transaction data with IC-card by NFC；

Upper transmission module is further used for uploading terminal by NFC as described transaction data with the transaction data that IC-card is interacted；

Further include：

Application request module, receives single business application for submitting to by communication；

Account designated module, for specify with this terminal batch on send offline data binding account；

Upper transmission module, for sending offline data to pass through by rear it would be desirable to this account is carried out with criticizing of accounting processing in examination ＆ verification Communication uploads.

10. data processing terminal as claimed in claim 9 is it is characterised in that further include：

Enquiry module, in the accounting processing result needing to know the affiliated account of terminal, being submitted to by communication Inquiry request.

A kind of 11. data handling systems are it is characterised in that this system includes：At described data as arbitrary in claim 7 to 8 Reason equipment, described data processing terminal as arbitrary in claim 9 to 10, wherein：

Data processing terminal, for determine the affiliated account of this terminal need to carry out accounting processing batch on send offline data when, lead to Cross and send offline data in communication upload batch；And send offline data to receive successful information receiving criticizing of return Afterwards, remove and send offline data on described batch；Submitted to by communication and receive single business application, and specify with this terminal batch On send offline data binding account, examination ＆ verification by rear it would be desirable to this account is carried out accounting processing criticize on send off line number Upload according to by communication；

Data processing equipment, for receiving terminal by communication upload batch on send offline data after, to terminal Return and send offline data receive information on criticizing, and affiliated account carries out accounting processing to this terminal according to offline data；Receive eventually Hold the receipts list business application submitted to by communication, and after examination ＆ verification is passed through, the account that specify this terminal and this end Criticizing of end send offline data to bind, and according to the offline data that this terminal follow-up is uploaded by communication, this account is entered Row accounting processing.