CN101183470A - Paying permission apparatus and method for electronic purse - Google Patents
Paying permission apparatus and method for electronic purse Download PDFInfo
- Publication number
- CN101183470A CN101183470A CNA2006101387286A CN200610138728A CN101183470A CN 101183470 A CN101183470 A CN 101183470A CN A2006101387286 A CNA2006101387286 A CN A2006101387286A CN 200610138728 A CN200610138728 A CN 200610138728A CN 101183470 A CN101183470 A CN 101183470A
- Authority
- CN
- China
- Prior art keywords
- paying
- processing unit
- central processing
- stored value
- value card
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses an electronic wallet paying permit device and the method, which solves the problem that the prior art can not control the paying function of electronic wallet. The paying permit device comprises an antenna, a ROM, a RAM, an EEPROM, a central processing unit and a paying permit module. The method comprises following steps: firstly, when the electronic wallet needs to pay, the paying permit module of mobile terminal sends a paying signal to the central processing unit; secondly, the central processing unit unlocks the EEPROM according to the received signal and a card reader accesses and charges the electronic wallet; thirdly, when charging is accomplished, the paying permit module seeds a no-paying signal to the central processing unit; finally, the central processing unit locks the EEPROM according to the received signal. The invention can control the central processing unit to lock or unlock the EPPROM via the mobile terminal; the electronic wallet implements the paying function according to requirements and avoids unnecessary paying.
Description
Technical field
The present invention relates to the mobile-payment system of electronic transaction, particularly the paying permission apparatus of stored value card and method.
Background technology
Along with technical progress, stored value card is as a kind of means of small amount payment, is widely used in city bus, urban track traffic, convenience store, government utility numerous areas such as pay the fees.
But in use also there is the possibility of the expense of paying by mistake of fact in stored value card, in case stored value card near card reader, even the user does not wish to pay, also can be withholdd.The operating company of current each stored value card actively extending one's service the group, expand new application, but the existence meeting of this defective greatly influences user's consumption confidence.
Summary of the invention
For defective and the deficiency that overcomes prior art, the object of the present invention is to provide a kind of paying permission apparatus and method of stored value card, can use the payment function of stored value card as required.
In order to achieve the above object, the paying permission apparatus of a kind of stored value card of the present invention comprises: antenna, ROM, RAM and EEPROM, and described device also comprises:
Central processing unit is used for according to the signal of receiving of paying or allowing to pay of forbidding EEPROM being locked or release:
The paying permissions module is used for sending to central processing unit according to user's needs and forbids the signal of paying or allowing to pay;
Wherein, described central processing unit is electrically connected with ROM, RAM, EEPROM, antenna, paying permissions module respectively, and described paying permissions module is arranged on the portable terminal.
Preferably, described central processing unit also comprises:
Display module is used for the information transmission of stored value card is carried out display navigation to the display screen of portable terminal.
Preferably, described paying permissions module is: terminal push, electronic switch or actions menu.
The paying Licensing Methods of a kind of stored value card of the present invention may further comprise the steps:
(1) when stored value card need be paid, the paying permissions module on the portable terminal sends the signal that needs paying to central processing unit;
(2) central processing unit according to the signal received to the EEPROM release after, card reader visit stored value card is charged;
(3) after charge finishes, the paying permissions module sends to central processing unit forbids the signal of paying;
(4) central processing unit locks to EEPROM according to the signal of receiving.
Preferably, also comprise between described step (2) and the step (3):
(A) display module of central processing unit is transferred to portable terminal with paying information, and shows by display screen.
After adopting above-mentioned apparatus and method, can control central processing unit by portable terminal, central processing unit locks and release to EPPROM according to control signal, to reach the function of paying dues of using stored value card as required, has avoided unnecessary paying dues.
Description of drawings
Fig. 1 is the structural drawing of stored value card double-interface card among the present invention;
Fig. 2 is the johning knot composition of stored value card among the present invention and portable terminal.
Embodiment
Below in conjunction with accompanying drawing the specific embodiment of the present invention is described in further detail.
As shown in Figure 1, double-interface card structure for stored value card, the present invention has increased CPU (central processing unit) on the basis of ROM, the RAM of existing stored value card and EEPROM, can under the control of the paying permissions module on the portable terminal, lock or release to EEPROM, reach the function of paying according to user's request, wherein, ROM is provided with the operation code of conserving card, the ephemeral data of RAM conserving card generation in service, EEPROM are deposited information such as the amount of money, transaction record of wallet.Two communication channels of the outer existence of double-interface card: on the one hand can be mutual by the IC-card reader of double-interface card antenna and outside, realize that paying waits operation, terminal antenna can communicate (as shown in Figure 2) alternately with payment platform; On the other hand, the electrical pickoff of card can be connected with the circuit of communication terminal, utilizes the display screen realization stored value card relevant information of portable terminal to browse.
Wherein, the activities such as data-switching, encryption, transmission and storage in each stage of mobile payment can be handled, and accuracy, integrality, validity, security and the non repudiation of process of exchange can be guaranteed at the process payment platform of paying.Transaction between assurance user and the businessman is reliably carried out, and open API and interface protocol is provided, and possesses the management function to account, and functions such as network management, error correction, statistics are provided.The service provider provides service to the user, and the service provider of indication comprises bank and businessman here.Businessman provides service to the user, and therefore the user pays to businessman; Bank finishes the allocation of the funds between user and the businessman according to the information of payment platform.General wireless connections, the general wired connection that adopts between mobile payment platform and the service provider of adopting between above-mentioned communication terminal and the payment platform.
As shown in Figure 2, the structure that is connected with portable terminal for stored value card, double-interface card of the present invention is that CPU is linked to each other with paying permissions module, display screen respectively, the user can be by the operation at portable terminal, trigger the look-at-me that the paying permissions module produces to be needed paying or forbid paying, and look-at-me sent to CPU, CPU locks or release to EEPROM according to the interruption of receiving, and information such as will pay dues shows by the display screen that display module is transferred to portable terminal.When the user need pay, the look-at-me that the user starts the generation of paying permissions module to be needed to pay sent to CPU, and CPU is to the EEPROM release, and card reader just can be visited stored value card after the release, and stored value card is charged; When the user pay dues finish after, the user starts the paying permissions module and produces and to forbid that the look-at-me of paying sends to CPU, CPU locks to EEPROM, card reader can not be visited stored value card.
Wherein, the paying permissions module of portable terminal startup can be terminal push, electronic switch, actions menu:
Using the form of terminal push, is to be in by the lock state at stored value card at ordinary times, and card reader can not be read and write stored value card, when the user presses " permission of paying " button, and the active electron wallet, card reader could read and write the internal memory of stored value card, the realization E-Payment.After payment finishes, press " permission of paying " button once more, stored value card is in by the lock state;
Use the form of electronic switch, after opening switch, just can the active electron wallet, card reader could be read and write the internal memory of stored value card, the realization E-Payment; Off switch then pins stored value card, can't conclude the business;
Use the form of actions menu: provide actions menu to the user, user by selecting locks and the release menu is realized the paying licensing function.
The present invention utilizes combining of reversible khaki and portable terminal, by portable terminal central processing unit is controlled, central processing unit locks and release to EPPROM according to control signal, to reach the function of paying dues of using stored value card as required, avoid unnecessary paying dues, improved user's consumption confidence.
Claims (5)
1. the paying permission apparatus of a stored value card, comprising: antenna, ROM, RAM and EEPROM is characterized in that described device also comprises:
Central processing unit is used for according to the signal of receiving of paying or allowing to pay of forbidding EEPROM being locked or release;
The paying permissions module is used for sending to central processing unit according to user's needs and forbids the signal of paying or allowing to pay;
Wherein, described central processing unit is electrically connected with ROM, RAM, EEPROM, antenna, paying permissions module respectively, and described paying permissions module is arranged on the portable terminal.
2. according to the paying permission apparatus of the described stored value card of claim 1, it is characterized in that described central processing unit also comprises:
Display module is used for the information transmission of stored value card is carried out display navigation to the display screen of portable terminal.
3. according to the paying permission apparatus of claim 1 or 2 described stored value cards, it is characterized in that described paying permissions module is: terminal push, electronic switch or actions menu.
4. the paying Licensing Methods of a stored value card is characterized in that, may further comprise the steps:
(1) when stored value card need be paid, the paying permissions module on the portable terminal sends the signal that needs paying to central processing unit;
(2) central processing unit according to the signal received to the EEPROM release after, card reader visit stored value card is charged;
(3) after charge finishes, the paying permissions module sends to central processing unit forbids the signal of paying;
(4) central processing unit locks to EEPROM according to the signal of receiving.
5. according to the described paying Licensing Methods of claim 4, it is characterized in that, also comprise between described step (2) and the step (3):
(A) display module of central processing unit is transferred to portable terminal with paying information, and shows by display screen.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2006101387286A CN101183470B (en) | 2006-11-14 | 2006-11-14 | Paying permission apparatus and method for electronic purse |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2006101387286A CN101183470B (en) | 2006-11-14 | 2006-11-14 | Paying permission apparatus and method for electronic purse |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101183470A true CN101183470A (en) | 2008-05-21 |
| CN101183470B CN101183470B (en) | 2010-12-01 |
Family
ID=39448732
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2006101387286A Active CN101183470B (en) | 2006-11-14 | 2006-11-14 | Paying permission apparatus and method for electronic purse |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101183470B (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102136083A (en) * | 2011-03-14 | 2011-07-27 | 中国联合网络通信集团有限公司 | Double-interface card, method and system for receiving user data by double-interface card |
| CN103152468A (en) * | 2011-12-07 | 2013-06-12 | 国民技术股份有限公司 | Mobile terminal and mobile payment implement method |
| CN105046492A (en) * | 2015-07-10 | 2015-11-11 | 苏州海博智能系统有限公司 | Consumption authorization method and system |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100314174B1 (en) * | 1999-12-28 | 2001-11-16 | 이종일 | Method and system for transaction of electronic money with a mobile communication unit |
-
2006
- 2006-11-14 CN CN2006101387286A patent/CN101183470B/en active Active
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102136083A (en) * | 2011-03-14 | 2011-07-27 | 中国联合网络通信集团有限公司 | Double-interface card, method and system for receiving user data by double-interface card |
| CN102136083B (en) * | 2011-03-14 | 2013-03-27 | 中国联合网络通信集团有限公司 | Double-interface card, method and system for receiving user data by double-interface card |
| CN103152468A (en) * | 2011-12-07 | 2013-06-12 | 国民技术股份有限公司 | Mobile terminal and mobile payment implement method |
| CN105046492A (en) * | 2015-07-10 | 2015-11-11 | 苏州海博智能系统有限公司 | Consumption authorization method and system |
| CN105046492B (en) * | 2015-07-10 | 2022-04-05 | 苏州海博智能系统有限公司 | Authorized consumption method and system |
Also Published As
| Publication number | Publication date |
|---|---|
| CN101183470B (en) | 2010-12-01 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| RU2212118C2 (en) | Mobile device, integrated-circuit card, and method for data exchange | |
| CN102656599B (en) | mobile payment application architecture | |
| RU2204166C2 (en) | Integrated-circuit card and method for data exchange between peripheral device and integrated-circuit card | |
| JP5019635B2 (en) | Smart card | |
| CN101183469B (en) | Method for forbidding mobile terminal electronic purse function by payment platform | |
| CN101901436A (en) | Method, device and system for implementing service payment | |
| CN101183470B (en) | Paying permission apparatus and method for electronic purse | |
| CN101001297B (en) | Service metering system and R-W transmission device | |
| CN102486885A (en) | Mobile payment consumption system and payment and recharge method | |
| CN106327189A (en) | IC card topping-up system | |
| CN101685511A (en) | Terminal payment method and terminal based on near field communication | |
| CN101859458A (en) | Method for realization of field mobile payment based on mobile phone | |
| JP5178267B2 (en) | IC card and control method of application program used for IC card | |
| KR100700295B1 (en) | System and method for exchanging a currency | |
| KR20160128952A (en) | Method for Registering Payment Means for Mobile Payment | |
| CN101859460A (en) | Cash proxy-charging method based on mobile phone payment | |
| CN114707985A (en) | Resource allocation method, device and system | |
| KR20060102941A (en) | Method and apparatus of settling electronic money | |
| KR20050061009A (en) | Electronic-cash auto-charging method to mobile phone and the mobile phone | |
| CN216596286U (en) | Digital wallet device | |
| KR200407550Y1 (en) | USB mobile phone with prepaid electronic money | |
| KR200179192Y1 (en) | Portable telephone with noncontact type rf ic chip | |
| KR20080104399A (en) | Value charging system using mobile terminal and method thereof | |
| KR20050024655A (en) | System and method for charging of mobile prepaid card | |
| CN105374118A (en) | Public transportation intelligent terminal device with security module |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant |