On-site payment business processing method and smart card
A business processing and smart card technology, applied in the field of communication, can solve the problems of unable to turn off the smart card payment function, loss of terminal equipment, theft of smart card amount, etc.
Active Publication Date: 2012-03-28
CHINA UNITED NETWORK COMM GRP CO LTD
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Problems solved by technology
[0004] Since the terminal equipment is lost from time to time, the existing technology adopts the way that the server on the wireless network side issues a special message or instruction to close the payment function of the smart card in the terminal equipment. This method requires that the terminal equipment is currently in the wireless Network signals, such as 2G or 3G signal coverage, but outside the coverage, such as subways or underground shopping malls, the payment function of the smart card cannot be turned off. In this case, the amount stored in the smart card by the user may be There is a risk of being stolen
Method used
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[0020] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments It is a part of embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.
[0021] figure 1 It is a flow chart of Embodiment 1 of the on-site payment business processing method of the present invention, such as figure 1 As shown, the method of this embodiment may include:
[0022] Step 101 , before interacting with the POS terminal for on-site payment services, check whether there is network signal coverage currently. ...
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The invention provides an on-site payment business processing method and a smart card. The on-site payment business processing method comprises the following steps of: before on-site payment business interaction between the smart card and a POS (point-of-sale) terminal, detecting whether network signal coverage exists at present; if no, starting an off-line payment function to prompt a user to input an off-line payment password; and matching the off-line payment password input by the user with a stored password field, and then allowing the on-site payment business at this time if matching is successful. In the on-site payment business processing method, before on-site payment business interaction between the smart card and the POS (point-of-sale) terminal, the situation whether network signal coverage exists can be firstly detected, then the user is prompted to input the off-line payment password if network signal coverage does not exist, and the on-site payment business at this time is allowed only when the off-line payment password is successfully matched. Therefore, by adopting the on-site payment business processing method and the smart card, an illegal user can not embezzle money in the smart card even though terminal equipment is lost and no network signal coverage exists.
Description
technical field [0001] The embodiment of the present invention relates to communication technology, in particular to a method for processing on-site payment business and a smart card. Background technique [0002] A smart card with a radio frequency (Radio Frequency, hereinafter referred to as RF) function refers to a smart card integrated with an RF function (hereinafter referred to as smart card). For example, an RF Universal Subscriber Identity Module (RF-USIM) card is a USIM card integrated with a contactless 2.45G radio frequency function. Using RF-USIM and terminal equipment together can not only complete common USIM applications, but also realize non-contact communication functions. [0003] On-site mobile payment is an application of the contactless communication function of the smart card. In the prior art, when a user uses a terminal device such as a mobile phone to make on-site payment, the mobile phone may be used to communicate with a point of sales (Point of ...
Claims
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IPC IPC(8): G06Q20/18G06Q20/42
Inventor 陈蛟张成岩刘煜
Owner CHINA UNITED NETWORK COMM GRP CO LTD