A method and system for over-the-air loading of mobile terminal electronic wallets

Abstract

The invention relates to a method and a system for loading credit over air for an electronic purse of a mobile terminal. The method comprises the following steps that a, a client sends an electronic purse credit loading request and sends an instruction of updating a short message file to a client identification module, wherein the short message content contains the acquisition of electronic purse information of the mobile terminal; b, the client identification module receives the instruction of updating the short message file, intercepts the short message file, and writes the corresponding electronic purse information into the short message file of the client identification module; c, the client reads the short message file, acquires the electronic purse information, and implements credit loading interaction with an application platform and a payment platform to complete the credit loading on the payment platform; d, the client writes the short message file containing the mobile terminal electronic purse credit loading request into the client identification module according to a credit loading result on the payment platform, and the client identification module intercepts the short message file and completes mobile terminal electronic purse credit loading according to the short message content.

Description

technical field [0001] The present invention relates to the technical field of mobile payment, in particular to a method and system for air transfer of mobile terminal electronic wallets. Background technique [0002] Radio frequency SIM cards and RFID-based mobile payment services have also flourished all over the world. Compared with the non-contact application of the traditional IC card method, in addition to the convenience of carrying around, the smart card of the mobile phone can realize the interaction with the user through the mobile phone screen, and can also use the data channel provided by the mobile phone to realize the communication with the background system. Interaction, so as to realize the management functions of mobile electronic wallets such as electronic wallet recharge and consumption record query anytime and anywhere, which is the increasingly popular air transfer technology. [0003] Over-the-air transfer refers to the user operating the mobile phone ...

AI Technical Summary

Problems solved by technology

[0005] In view of the above-mentioned deficiencies in the prior art, the object of the present invention is to provide a method and system for over-the-air loading of mobile terminal electronic wallets, aiming at solving the problem that in the existing over-the-air loading method, the SIM card needs to use real SMS and There are technical problems such as the inconsistency between the background server and the card status caused by the uncertainty of the data message in the background, the SIM card cannot correctly analyze the content of the message when a SIM card is used in multiple applications, and the processing process of the SIM card is relatively complicated.

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