Electronic purse air transfer cell phone intelligent card, cell phone terminal, system and method

A technology of over-the-air transfer and electronic wallet, which is applied in the field of mobile phone smart cards, can solve the difficulty of POS management by merchants, and achieve the effects of easy deployment, convenient use, and easy expansion

Inactive Publication Date: 2012-04-25
ZHENGJIANG PUBLIC INFORMATION
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0010] For multiple mobile payment systems of multiple banks or multiple operators and other sources of funds, even for the same merchants, it is necessary to establish their own POS acceptance terminals, which brings difficulty in managing POS for merchants

Method used

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  • Electronic purse air transfer cell phone intelligent card, cell phone terminal, system and method
  • Electronic purse air transfer cell phone intelligent card, cell phone terminal, system and method
  • Electronic purse air transfer cell phone intelligent card, cell phone terminal, system and method

Examples

Experimental program
Comparison scheme
Effect test

no. 1 example

[0066] The information unit 11 is configured in an offline electronic wallet transfer application in which at least one fund source is pre-written, and writing the electronic wallet transfer application is, for example, copying the relevant programs of each application to the information unit 11 of the smart card of the mobile phone in advance, or by The way of downloading is to download to the smart card of the mobile phone, including downloading locally or remotely. Of course, the operation of writing related programs can also be completed by other methods in the art. E-wallet transfer applications such as bank applications, bus applications, welfare card applications, mobile operator applications, and other applications, etc., after writing into the e-wallet transfer application, the written application will be displayed in the UTK menu of the mobile terminal. UTK (User Identification Application Development Tool) menu selection application. UTK can be understood as a set ...

no. 2 example

[0086] The present invention can also carry out two-way encryption authentication, one card one encryption, two-way refers to the mobile phone smart card and the air transfer platform, the mobile phone smart card 1 and the air transfer platform 2 write the same key, encrypt and decrypt, and the encrypted The decryption operation may at least include any of the following pairs of operations: 1) The mobile phone smart card 1 encrypts the uplink data message, and the air transfer platform 2 decrypts the uplink data message; 2) The mobile phone smart card 1 encrypts the transfer confirmation information, and the air transfer Platform 2 decrypts the transfer confirmation information. The invention also has an exception handling function and has high safety. Each part will be described below.

[0087] 1) The mobile phone smart card 1 encrypts the loading initialization command, and the air loading platform 2 decrypts the loading initialization command. The process is as follows:

...

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Abstract

The invention discloses an electronic purse air transfer cell phone intelligent card, a cell phone terminal, a system and a method. The offline electronic purse air transfer application of at least one capital source is written into the cell phone intelligent card; when the application which is selected by a user is acquired, the user is reminded to input the transfer amount and a transaction password; an application classification code is inquired, whether any unconfirmed transaction record exists is confirmed, and an uplink data short message is sent to an air transfer platform; the air transfer platform calls a corresponding application system through an external interface, the application system calibrates the transfer amount and the transaction password, and deducts money; and the cell phone intelligent card adds money to an electronic purse and confirms that the transfer succeeds. According to the invention, not only is the access of a plurality of capital resources supported, but also the system can be conveniently extended and upgraded.

Description

technical field [0001] The invention is based on the mobile communication network and Internet technology, and in particular relates to a mobile phone smart card, a mobile phone terminal, a system and a method for over-the-air transfer of an electronic wallet. Background technique [0002] With the development of mobile payment, the electronization and mobilization of payment methods is an inevitable trend. Mobile payment combines the convenience of mobile with the autonomy of electronic payment. The huge number of mobile phone users and bank card users is the basis for mobile payment. provides a good foundation for development. Mobile payment is mainly based on mobile phone smart card RF-UIM and UIMPASS mobile payment, using these two technologies can realize various on-site mobile payment services based on mobile phones. [0003] As the most important subsystem of mobile payment, the air transfer system plays a very important role in mobile payment. [0004] Loading is t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F7/08G06K19/07H04W88/02
Inventor 洪一帆董林潘鑫张雪颖姜维涛
Owner ZHENGJIANG PUBLIC INFORMATION
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