Processing method for transaction abnormity in electronic wallet application, and device and system thereof

An electronic wallet and transaction technology, applied in the field of communication, can solve the problems of inability to use the same smart card and handle different

Active Publication Date: 2011-06-22
CHINA MOBILE COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Among them, the first two problems can be solved by formulating unified specifications, but due to different policies, different needs, and different cooperation models in each region, each region handles the abnormal situation differently.
That is to say, in the case of using existing smart cards (such as 13.56M smart transportation cards), in order to realize the common use of smart cards in different regions, even if the interface process and accounts are unified, there are still technologies that cannot handle abnormal situations obstacles, so it is impossible to use the same smart card in different regions

Method used

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  • Processing method for transaction abnormity in electronic wallet application, and device and system thereof
  • Processing method for transaction abnormity in electronic wallet application, and device and system thereof
  • Processing method for transaction abnormity in electronic wallet application, and device and system thereof

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Embodiment Construction

[0034] For the problems existing in the prior art, the embodiment of the present invention adopts the SIM (Subscriber Identity Module) card or the USIM (Universal Subscriber Identity Module) card in the mobile terminal to replace the existing municipal transportation smart card, and utilizes the mobile communication network and the mobile terminal to pay The system realizes the interoperability between municipal transportation transaction systems in different regions and adopts different strategies, and is especially suitable for electronic transactions that need to record the start of the transaction through one read / write card operation, and then perform transaction settlement through one read / write card operation. Wallet application.

[0035] Embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings.

[0036] see figure 1 , is the network architecture applied in the embodiment of the present invention, mainly inclu...

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Abstract

The invention discloses a processing method for transaction abnormity in electronic wallet application, and a device and a system thereof. The method comprises the following steps that: a card reading-writing device transmits a transaction abnormity notice to a user card when the card reading-writing device reads that a mobile terminal user card electronic wallet has an unsettled transaction start record before writing the transaction start record according to card swiping operations of the user; the user card transmits an abnormal transaction processing request to a payment system, wherein the request contains a region identifier in the unsettled transaction start record; and the payment system obtains abnormal transaction processing rules of corresponding region according to the region identifier, processes the abnormal transaction according to the obtained rules, and indicates the user card to clear the unsettled transaction start record after processing the abnormal transaction successfully. With the processing method, the device and the system thereof provided by the invention, the same mobile terminal user card electronic wallet can be used in regions executing different transaction rules.

Description

technical field [0001] The invention relates to data service technology in the field of communication, in particular to a method for processing abnormal transactions in electronic wallet applications, a device and a system thereof. Background technique [0002] Driven by the "Golden Card Project" for nearly ten years, the construction of the municipal transportation one-card system has been perfected day by day. At present, major cities in China have their own municipal transportation one-card system. At present, the main purpose of the municipal transportation one-card system is to provide convenient services. Using smart cards, you can take buses, subways, pay expressway fees, and enjoy various preferential measures. [0003] The municipal transportation one-card system mainly includes smart cards, acceptance terminals (such as subway gates or bus POS machines) and settlement systems. Most of the smart cards are implemented using ISO14443 standards. Due to differences in p...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F7/08H04W4/12H04W88/02
Inventor 朱本浩黄更生乐祖晖
Owner CHINA MOBILE COMM GRP CO LTD
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