Fee deducting method, device and system for electronic purse

An electronic wallet and deduction technology, applied in the payment system structure, code identification card or credit card activation, equipment, etc., to achieve the effect of ensuring safety, avoiding theft, and increasing convenience

Active Publication Date: 2009-08-12
CHINA MOBILE COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The business of e-wallet has been widely developed at present, such as bus card business, etc. Although there is no large-scale e-wallet business through mobile terminals in China at present, as mobile terminals are increasingly becoming an indispensable communication tool for people, through mobile terminals. E-wallet business will be an unstoppable trend

Method used

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  • Fee deducting method, device and system for electronic purse
  • Fee deducting method, device and system for electronic purse
  • Fee deducting method, device and system for electronic purse

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Embodiment Construction

[0031] Embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings.

[0032] Such as figure 1 As shown, in the embodiment of the present invention, a processing flow for debiting an electronic wallet carried by a mobile terminal is as follows:

[0033] Step 11. When the mobile terminal carrying the electronic wallet cannot perform wireless communication, it receives a deduction instruction from the consumer terminal (POS terminal, Point of sale terminal) to the electronic wallet.

[0034] Step 12: The mobile terminal returns status information that the electronic wallet needs to be checked for legality to the consumer terminal.

[0035] Step 13, the consumer terminal triggers the electronic wallet service platform to check the legitimacy of the electronic wallet according to the state information.

[0036] Step 14. When the electronic wallet is legal, the consumer terminal notifies the mobile terminal to deduct fees fr...

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Abstract

The invention discloses a fee deduction method for an E-wallet. The method comprises that: a mobile terminal for bearing the E-wallet receives a fee deduction instruction of the E-wallet given by a consumer terminal when wireless communication cannot be performed; the mobile terminal returns state information for the requirement of validity verification of the E-wallet to the consumer terminal; the consumer terminal triggers an E-wallet service platform to verify the validity of the E-wallet according to the state information; and the consumer terminal notifies the mobile terminal of performing fee deduction on the E-wallet according to the verification result which is returned by the E-wallet service platform to the consumer terminal and proves the validity of the E-wallet when the E-wallet is valid. The invention simultaneously discloses the mobile terminal for bearing the E-wallet, the consumer terminal and a safety management system of the E-wallet. The invention can improve the convenience and the safety of the use of the E-wallet through the mobile terminal.

Description

technical field [0001] The invention relates to the technical field of mobile e-commerce, in particular to a deduction method, device and system for an electronic wallet. 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 business of e-wallet has been widely developed at present, such as bus card business, etc. Although there is no large-scale e-wallet business through mobile terminals in China at present, as mobile terminals have increasingly become an indispensable communication tool for people, through mobile terminals. Electronic wallet business will be an unstoppa...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F7/08G06Q20/00
Inventor 黄更生张雨廷郭漫雪李征朱本浩于蓉蓉
Owner CHINA MOBILE COMM GRP CO LTD
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