Method, device and system for recharging electronic purse

A technology of electronic wallet and recharge method, which is applied to the complete banking system, complete banking system, instruments, etc., can solve the problem that the automatic recharge process does not provide an implementation method, and achieve the effect of flexible recharge methods.

Inactive Publication Date: 2011-03-30
CHINA MOBILE COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] It can be seen that the existing e-wallet recharging process needs to be triggered actively by the user, and there is no specific implementation method for the e-wallet automatic recharging process of contact or contactless smart cards

Method used

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  • Method, device and system for recharging electronic purse
  • Method, device and system for recharging electronic purse
  • Method, device and system for recharging electronic purse

Examples

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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] see figure 1 , which is the network system architecture involved in realizing the electronic wallet transfer process provided by the embodiment of the present invention.

[0033] Such as figure 1 As shown, the system architecture includes the following entities: a contact (or contactless) smart card, a contactless user terminal (including a (U)SIM card), a card reader / writer and a payment system. Wherein, the main account of the user's electronic wallet is stored in the payment system, and the on-site offline payment account of the user's electronic wallet is stored on the (U)SIM card of the contactless user terminal (also called the payment account on the card, the same below). The interfaces between the various entities include:

[0034] IF1: interface between card reader / writer and contact (or contactless) smart card;

[0035] IF2: the in...

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PUM

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Abstract

The invention discloses a method, a device and a system for recharging an electronic purse, wherein the method comprises the following steps of: after electronic payment of a user card by using the electronic purse on a point of sells (POS) terminal, inquiring the account balance of the electronic purse on the user card, and comparing the inquired account balance with the recharging threshold of the electronic purse; and if the account balance of the electronic purse is less than the recharging threshold, acquiring the recharging type identification of the user card, and launching a corresponding electronic purse recharging process to the electronic purse for recharging by using the POS or a user terminal of the user card according to the required recharging type identification. The invention can be used for automatically recharging the electronic purse in various flexible modes.

Description

technical field [0001] The invention relates to the field of wireless communication, in particular to an electronic wallet recharging method, device and system thereof. Background technique [0002] E-wallet is a financial IC card application designed to facilitate on-site small-amount consumption of cardholders. It supports functions such as loading (recharging), consumption, balance inquiry and transaction details inquiry. [0003] With the rapid development and technological integration of short-range communication technology and e-commerce technology, financial IC cards can be smart cards with non-contact functions, such as USIM (Universal Subscriber Identity Module) cards or SIM (Subscriber Identity Module) in mobile terminals. Card. The cardholder deposits a certain amount of money in the card in advance (placed in the on-site offline payment account on the card), and the transaction amount can be deducted offline from the account when making a consumption transaction...

Claims

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Application Information

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IPC IPC(8): G07F7/08G07F19/00
Inventor 乐祖晖李琳
Owner CHINA MOBILE COMM GRP CO LTD
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