IC card and method for realizing electronic wallet/electronic passbook transaction

An electronic wallet and electronic passbook technology, which is applied in the field of IC cards and the realization of electronic wallet/electronic passbook transactions, can solve the problems of insufficient electronic wallet/electronic passbook transaction process and other problems.

Inactive Publication Date: 2010-03-17
BEIJING WATCH DATA SYST
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In order to solve the problem that the existing process of realizing electronic wallet/electronic passbook transactions is not perfect

Method used

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  • IC card and method for realizing electronic wallet/electronic passbook transaction
  • IC card and method for realizing electronic wallet/electronic passbook transaction
  • IC card and method for realizing electronic wallet/electronic passbook transaction

Examples

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Embodiment Construction

[0024] In order to solve the problem that the existing process of realizing electronic wallet / electronic passbook transaction is not perfect enough, the embodiment of the present invention provides a method for realizing electronic wallet / electronic passbook transaction, the method is as follows figure 2 As shown, step 91: the POS terminal sends an electronic passbook / electronic wallet transaction command to the IC card, as shown in Table 1:

[0025] Order

CREDIT FOR LOAD

DEBIT FOR PURCHASE / CASH WITHDRAW (consumption / withdrawal)

DEBIT FOR UNLOAD

GET BALANCE (read balance)

GET TRANSACTION PROVE (get transaction authentication)

INITIALIZE FOR CASH WITHDRAW

INITIALIZE FOR LOAD (loading initialization)

INITIALIZE FOR PURCHASE (consumption initialization)

INITIALIZE FOR UNLOAD (circle initialization)

INITIALIZE FOR UPDATE (modify initialization)

[0026] Table 1

[0027] Transaction orders such ...

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PUM

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Abstract

The invention discloses an IC card and a method for realizing electronic wallet/electronic passbook transaction and aims at solving the problem that the existing process for realizing electronic wallet/electronic passbook transaction is not perfect. The disclosed method for realizing electronic wallet/electronic passbook transaction includes the following steps: an integrated circuit IC card readstransaction amount from a received electronic passbook /electronic wallet transaction command; the IC card reads the preset amount threshold that corresponds to the transaction of the transaction command; and according to the read transaction amount, the IC card determines compare amount, when the compare amount is not more than the preset amount threshold, the command is allowed to be executed for conducting transaction. As the command is only allowed to be executed for implementing transaction when the compare amount is not more than the preset amount threshold, errors during subsequent treatment process are avoided and therefore the process of electronic wallet/electronic passbook transaction is more perfect.

Description

technical field [0001] The invention belongs to the application field of IC cards, in particular to an IC card and a method for realizing electronic wallet / electronic passbook transactions. Background technique [0002] At present, the application of financial IC (Integrated Circuit Card, integrated circuit) card is more and more popular, and the scope is more and more extensive, because of its convenient use, easy to carry and high security, it is more and more welcomed by users. From the application point of view, there are two application types on the card: electronic wallet EP (Electronic Purse) and electronic passbook ED (Electronic Deposit). Each application type corresponds to different transaction processes and transaction commands. For a financial IC card, it can support both electronic passbook and electronic wallet, or only one of them. [0003] The pre-processing flow common to all transaction types applied to e-passbook / e-wallet (e-passbook or e-wallet) is as ...

Claims

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Application Information

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IPC IPC(8): G07F7/08
Inventor 郑术强郝建梅王颖
Owner BEIJING WATCH DATA SYST
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