Charging method, equipment and system for e-wallet

Abstract

The invention discloses an operation method for an E-wallet which comprises the following steps: before carrying out the operation on the E-wallet, a movable termination confirms whether a first confirming code used for informing a network side that the local balance is corrected during the front supplement process is stored locally or not; if yes, then the movable terminal transmits the first confirming code to the network side and carries out the operation on the E-wallet after accomplishing the previous supplement operation, and if not, the movable terminal directly carries out the operation on the E-wallet. The invention simultaneously discloses a movable termination, network side equipment and a processing system for the E-wallet. The invention can be employed to maintain the consistency in the amount of consumption between the movable terminal and the network side, and maintain the benefits of both parties of a business supplier and a consumer.

Description

technical field [0001] The invention relates to the technical fields of communications and computers, in particular to a method, device and system for recharging electronic wallets. Background technique [0002] E-wallet is a financial IC card application designed to facilitate cardholders' small consumption. It supports transactions such as deposit and consumption. Except for loading transactions, other transactions using electronic wallets are not recorded in detail, and no personal password (PIN) is required to be submitted. The user's consumption quota is stored in the electronic wallet, which can be fees, points, etc. [0003] The current e-wallet products support recharging on a special recharging terminal. The basic process of recharging includes: the user brings the e-wallet card close to the recharging terminal, the recharging terminal sends a command to the card to update the e-wallet balance, and the card returns a confirmation code to the recharging terminal. ...

AI Technical Summary

Problems solved by technology

The inventors found that although air recharge can facilitate e-wallet users to recharge anytime and anywhere (where the wireless signal covers), it brings great convenience, but due to the characteristics of the wireless channel, there may be a delay in the recharge data or packet loss, resulting in the inconsistency between the recharge operation result of the mobile terminal and the recharge operation result of the network side, which may easily cause disputes between service providers and consumers and the loss of interests of both parties

For example, the e-wallet of the mobile terminal has successfully recharged, but the confirmation code sent back to the network side is lost, causing the network side to think that the recharge is unsuccessful, and the user’s recharge source account is not recharged accordingly

[0006] If the existing recharge scheme is directly applied to over-the-air recharge, if the network side does not receive the confirmation code returned by the mobile terminal, the network side will be in an uncertain state of not knowing whether the e-wallet balance has been updated, and at this time the network side is also in a state of uncertainty. It may not be possible to require the mobile terminal to perform error recovery

[0007] For example, a user initiates a recharge request through a mobile terminal, and the network side issues a recharge command after receiving the recharge request. After receiving the recharge command, the mobile terminal generates a confirmation code and modifies the balance of the electronic wallet. At this time, the mobile terminal is powered off, or a communication error occurs However, the network cannot be connected, and the generated confirmation code cannot be sent to the network side.

At this time, due to the communication interruption of the mobile terminal, the network side cannot notify the mobile terminal to resubmit the recharge request. The network side will consider this recharge as a failure and will not change the fee for the user's recharge source account.

In this case, the user's e-wallet balance has actually been modified, but the network side has not changed the fee. If the user completes another consumption next time, the original confirmation code will be cleared, and the previous recharge error cannot be corrected.

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