Remote card issuance method of mobile payment card based on java card

Abstract

The invention provides a remote card issuing method of a mobile phone payment card based on a JAVA card, which comprises the following steps of: firstly inquiring card applications installed on the mobile phone payment card to obtain the opened card applications and the card applications which are not opened; and then, selecting the card applications needing to be opened according to the user needs, sending basic information of the mobile phone payment card to a server side, carrying out external authentication on the card applications needing to be opened, and updating a secret key of the mobile phone payment card after the external authentication succeeds. According to the remote card issuing method provided by the invention, remote card issuing can be simultaneously carried out on multiple mobile phone payment cards through the server side, and the card issuing speed is rapid; and by storing the secret key through an encryption equipment, the secret key is safer and more convenient to manage; the card applications can be deleted or newly added and can be freely combined according to the user needs, and the card issuing process and the user application process are also recorded and managed through the server end, thus avoiding errors in the using process.

Description

【Technical field】 [0001] The invention relates to a method for remotely issuing a mobile phone payment card based on a JAVA card. 【Background technique】 [0002] The use of mobile payment cards is through induction on non-contact POS machines with RFID, and then deducting the consumption amount from the offline wallet account balance on the mobile payment card. For example, mobile payment cards can be used in these places: POS machines of alliance merchants , Card swiping machines on buses, card swiping machines in campus enterprises’ canteens, card swiping machines for charging parking spaces on roads, etc. [0003] In the initial stage of the development of mobile payment cards, almost all of them were NATIVE-based mobile payment cards, and NATIVE cards themselves did not have the characteristics of remote and dynamic issuance of card applications. Mobile payment card issuing companies uniformly distribute blank mobile payment cards to card issuing outlets in various citi...

AI Technical Summary

Problems solved by technology

[0004] In addition to this, the existing card issuance mode only writes the key into the mobile payment card. The process of issuing the card is independent of the process of using the card application by the real user, that is, the user cannot know whether the card application in the mobile payment card has been issued.

And in the payment system, it is impossible to know whether the mobile payment card has been issued. If there is a problem, it is difficult to determine the cause. For example, if the offline wallet has not been issued, the user cannot use the service.

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