CN101727705B - Method for closing and opening electronic payment application - Google Patents
Method for closing and opening electronic payment application Download PDFInfo
- Publication number
- CN101727705B CN101727705B CN2008101729776A CN200810172977A CN101727705B CN 101727705 B CN101727705 B CN 101727705B CN 2008101729776 A CN2008101729776 A CN 2008101729776A CN 200810172977 A CN200810172977 A CN 200810172977A CN 101727705 B CN101727705 B CN 101727705B
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- China
- Prior art keywords
- smart card
- closing
- portable terminal
- mails
- setup menu
- 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.)
- Expired - Fee Related
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/354—Card activation or deactivation
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/326—Payment applications installed on the mobile devices
- G06Q20/3263—Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Telephone Function (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a method for closing and opening electronic payment application, comprising the following steps of: providing a setting for closing and opening the electronic payment application to an intelligent card on a mobile terminal; and carrying out corresponding setting on the mobile terminal when a user needs to close or open the electronic payment application. The invention solves the problems of the tradition electronic payment of the mobile terminal lacks of flexibility and has poor safety, and ensures that the user can close the functions of the electronic payment application during not using the electronic payment application, thereby preventing the electronic payment from being stolen and enhancing the safety of the electronic payment application; and when in needed use, the electronic payment application can be reopened and the user can use the functions of the electronic payment more flexibly and conveniently.
Description
Technical field
The present invention relates to the electronic payment of mobile terminal field, relate in particular to a kind of method of closing and opening of using of paying by mails.
Background technology
NFC (Near Field Communication, near-field communication technology) is a kind of the short distance wireless communication technology that works in 13.56MHz, is merged by RFID (Radio Frequency Identification, RF identification) technology and interconnection technique to develop.After the integrated NFC technology of portable terminals such as mobile phone, can simulate non-contact IC card, the relevant application that is used to pay by mails.Portable terminal is applied to the E-Payment field, can further enlarge the usable range of mobile phone, and it is convenient to bring for people's life, exists wide application prospect.
Realize on the portable terminal that this scheme need increase NFC analog front-end chip and NFC antenna on the terminal, and use the smart card of support E-Payment, and pay relevant application by mails and be placed in the smart card, pay the processing of application by smart card by mails.Smart card connects with terminal processing chip, guarantees communicating by letter between terminal and the smart card; Smart card links to each other with the NFC analog front-end chip simultaneously, when portable terminal during near contactless reader, through the NFC analog front-end chip accomplish with smart card in pay by mails use alternately.Also brought the safety issue of paying by mails thus, if portable terminal stolen meeting causes economically loss and the leakage of electronic payment information to the user.
In the prior art, the user can not close or open again the E-Payment application in the smart card neatly according to individual actual needs and actual operating position, makes the security aspect of existing electronic payment of mobile terminal have leak, also lacks dirigibility.
Summary of the invention
The technical matters that the present invention will solve is exactly to propose a kind of method of closing and opening of using of paying by mails; There are the problem of leak in electronic payment of mobile terminal shortage dirigibility and security in the solution prior art, and the user can close or open the electronic payment of mobile terminal application function neatly.
In order to solve the problems of the technologies described above, the present invention provides a kind of method of closing and opening of using of paying by mails, in the setting that the E-Payment application of closing and opening on the smart card is provided on the portable terminal; When the user need close or unlocking electronic payment when using, on portable terminal, carry out corresponding setting.
Further, said being set to that the E-Payment of closing and opening on the smart card uses is being provided on the portable terminal: portable terminal provides pays the setup menu that function is closed and opened by mails, and said setup menu is realized in smart card; On portable terminal, select to close in this setup menu or unlocking electronic payment when using the corresponding operation of smart card response.
Further, through subscriber identification module tool case STK menu or smart card graphical interfaces or this setup menu of JSR177 client end interface realization.
Further, said being set to that the E-Payment of closing and opening on the smart card uses is being provided on the portable terminal: portable terminal provides pays the setup menu that function is closed and opened by mails, and said setup menu is realized on portable terminal; Smart card provides interface to portable terminal, portable terminal response user's operation, and the interface that calls smart card and provide is accomplished and is paid closing or opening of using by mails.
Further, before paying the closing or open setting of application by mails, smart card prompting user imports smart card PIN PIN code or other preset password, the checking input be just to be provided with behind correct PIN code or the password, otherwise end operation.
Further, before paying the closing or open setting of application by mails, smart card prompting user confirms; When needs are closed when pay by mails using, whether after the user confirms, also checking currently has ongoing electronic transaction, if having, then preserves work at present or waits for that work at present accomplishes or hard closing; If current do not have an ongoing transaction, then, the user directly closes after confirming.
Further, before paying the closing or open setting of application by mails, portable terminal prompting user confirms; When needs were closed the E-Payment application, after the user confirmed, whether the smart card inspection is current had ongoing electronic transaction, if having, then preserved work at present or waited for perhaps hard closing of work at present completion; If current do not have an ongoing transaction, then, the user directly closes after confirming.
Further, when paying application setting by mails for after closing, when smart card receives the order that contactless card reader sends, refusal and noncontact reader carry out electric payment transaction alternately.
Further, after closing or opened the E-Payment application, the current E-Payment of preservation is used to be in and is closed or opening in the smart card, also shows this state on the setup menu interface synchronously.
Further, after closing or opened the E-Payment application, the current E-Payment of preservation is used to be in and is closed or opening in the smart card, also shows this state on the interface of portable terminal synchronously.
The present invention has overcome existing electronic payment of mobile terminal and has lacked the problem that there are leak in dirigibility and security; The user can will pay application function by mails and close when not using E-Payment to use; Prevent to be usurped E-Payment, strengthen and pay the security of using by mails by others; When needs used, the unlocking electronic payment was used again again, made convenient the use neatly of user pay function by mails.
Description of drawings
Fig. 1 realizes that in smart card setup menu pays the process flow diagram of closing/opening of application by mails;
Fig. 2 realizes that on interface of mobile terminal setup menu pays the process flow diagram of closing/opening of application by mails.
Embodiment
Core concept of the present invention is: in the setting that the E-Payment application of closing and opening on the smart card is provided on the portable terminal; When the user need close or unlocking electronic payment when using, on portable terminal, carry out corresponding setting or selection.
Specifically; Portable terminal provides to pay by mails uses the setup menu of closing and opening; The user uses through the E-Payment that this setup menu is selected to close or open on the smart card; Accomplish corresponding operating by smart card, the interface that is perhaps called smart card and provided by portable terminal is accomplished corresponding operating.Before carrying out corresponding operating, need the user to import correct PIN code or password, smart card is confirmed according to the user behind the work at present state that inspection is paid by mails, is accomplished corresponding operating.Can show also in the setup menu that it is to be in to close or opening that current E-Payment is used.
Wherein, the mode of realization setup menu comprises:
(1) in smart card, realize setup menu:
Through STK (SIM Tool Kit, subscriber identification module tool case) menu or smart card graphical interfaces or this setup menu of JSR177 client end interface realization; On portable terminal, select to close in this setup menu or unlocking electronic payment when using the corresponding operation of smart card response.
STK is the application menu of in the SIM that portable terminal uses, developing, and STK is appreciated that to be the order of one group of exploitation value-added service, a kind of small-sized programming language, and it allows the application software based on user identification module (SIM) operation oneself of smart card.
The smart card graphical interfaces is based on SCWS (Smart Card Web Sever; The smart card webserver) technology; Utilize the browser of portable terminal and the BIP of standard (Bearer Independent Protocol; Bearer independent protocol) the Sever agreement realizes, shows the application in the smart card through multimedia interface.
JSR-177 is a kind of based on the Java DLL on portable terminal and the smart card communications passage, can let portable terminal Java application access operate in data or application on the smart card, comprises the access encrypted function.JSR-177 also is called as safety and trust service API (SATSA; Securityand TrustServices API); It makes smart card can serve as " security component " that portable terminal Java uses; Make portable terminal use the application that to carry out customization operations, user identity identification and call customization, let application provider can give full play to the effect of smart card.
(2) on portable terminal, realize setup menu:
Smart card provides relevant interface to portable terminal, portable terminal response user's operation, and the interface that calls smart card and provide is accomplished and is paid closing or open function of using by mails.
In order to guarantee to pay by mails the security of function; Before paying the closing or open setting of application by mails; Smart card prompting user imports smart card PIN sign indicating number (Personal Identification Number; PIN) or other passwords that preset, the checking input be just can be provided with behind correct PIN code or the password, otherwise end operation.
For preventing user misoperation; Before paying the closing or open setting of application by mails; Can point out the user to confirm whether will carry out this operation; And the work at present state of inspection E-Payment, especially need carry out and use when closing, to avoid the current ongoing professional loss of data of paying by mails.If the current electric payment transaction that carrying out can be preserved work at present or wait for work at present completion or hard closing, this can select according to actual conditions and user's affirmation; If current do not have an ongoing transaction, then can, the user directly close after confirming.
When paying application setting by mails for after closing; When smart card receives the order that contactless card reader sends; Refusal and noncontact reader are carried out the mutual of electric payment transaction, like this, fundamentally closed to pay by mails and used; Even being inserted into other to this smart card supports can not carry out electric payment transaction in the portable terminal.
When the user needs again the unlocking electronic payment to use, open through aforesaid operations again.
In addition, after closing or opened the E-Payment application, the current E-Payment of preservation is used to be in and is closed or opening in the smart card, also shows this state on the setup menu interface synchronously.
Below in conjunction with accompanying drawing and specific embodiment the present invention is elaborated.
As shown in Figure 1, the E-Payment when in smart card, realizing setup menu is used closes/opens flow process, comprises the steps and characteristic:
S101 realizes setup menu in smart card, the user selects to close or the unlocking electronic payment is used;
Wherein, realize that the mode of setup menu can comprise, portable terminal is through STK menu or smart card graphical interfaces or JSR177 client end interface setup menu;
S102, the smart card checking is closed or unlocking electronic payment application request, the password that the prompting user imports PIN code or presets;
S103, whether the PIN code or the password of checking user input be correct, if correct, then get into S104, otherwise end operation do not carried out request;
S104; Smart card prompting user confirms, and the work at present state of judgement application, when especially carrying out shutoff operation; Need to check the current ongoing electronic transaction that whether has; If have, work at present be can preserve or work at present completion or hard closing waited for, this can select complete operation according to actual conditions and user's affirmation; If current do not have an ongoing transaction, then can, the user directly close after confirming;
S105, after operation was accomplished, smart card was preserved current being in of E-Payment application and is closed or opening, also shows this state on the setup menu interface synchronously.
As shown in Figure 2, the E-Payment when on interface of mobile terminal, realizing setup menu is used closes/opens flow process, may further comprise the steps and characteristic:
S201, the menu on the interface that provides through portable terminal is selected to close or the unlocking electronic payment is used;
S202, smart card receive from request command portable terminal, the closing of predetermined format/unlocking electronic payment;
S203, the smart card checking is closed or unlocking electronic payment application request, the password that the prompting user imports PIN code or presets;
S204, whether the PIN code or the password of checking user input be correct, if correct, then get into S205, otherwise end operation do not carried out request;
S205; Portable terminal prompting user calls the relevant interface function response request that smart card provides after confirming that it will carry out this operation really, and the relevant interface function that said smart card provides is used for accomplishing closes or the unlocking electronic payment is used; Before closing the E-Payment application; The work at present state that smart card judge to be used, whether current have ongoing electronic transaction, if having if checking; Can preserve work at present or wait for work at present completion or hard closing, this can come complete operation according to actual conditions and user's selection; If current do not have an ongoing transaction, then can directly close;
S206, after operation was accomplished, smart card was preserved current being in of E-Payment application and is closed or opening, also shows this state on the interface of portable terminal synchronously.
When paying application setting by mails for after closing, when smart card receives the order that contactless card reader sends, with refusal and noncontact reader carry out electric payment transaction alternately.
When the user needs again the unlocking electronic payment to use, open through aforesaid operations again.
In the present invention, the user can close to pay by mails and use according to individual actual needs and actual operating position; For example; When the user feels temporarily need not carry out electric payment transaction or before the user will lend other people to mobile phone temporarily, pay closing of application by mails, so; Even stolen, property and information security in also can the lost electrons payment account.When the user need use E-Payment, open this again and use, strengthened security and dirigibility that electronic payment of mobile terminal is used.
Certainly; The present invention also can have other various embodiments; Under the situation that does not deviate from spirit of the present invention and essence thereof; Those of ordinary skill in the art work as can make various corresponding changes and distortion according to the present invention, but these corresponding changes and distortion all should belong to the protection domain of the appended claim of the present invention.
Claims (8)
1. pay the method that application is closed and opened by mails for one kind, it is characterized in that:
Setting in that the E-Payment application of closing and opening on the smart card is provided on the portable terminal comprises:
Portable terminal provides pays the setup menu that function is closed and opened by mails, and said setup menu is realized in smart card; On portable terminal, select to close in this setup menu or unlocking electronic payment when using the corresponding operation of smart card response; Perhaps comprise,
Portable terminal provides pays the setup menu that function is closed and opened by mails, and said setup menu is realized on portable terminal; Smart card provides interface to portable terminal, portable terminal response user's operation, and the interface that calls smart card and provide is accomplished and is paid closing or opening of using by mails;
When the user need close or unlocking electronic payment when using, on portable terminal, carry out corresponding setting.
2. the method for claim 1 is characterized in that, when said setup menu is realized on smart card, through subscriber identification module tool case STK menu or smart card graphical interfaces or this setup menu of JSR177 client end interface realization.
3. the method for claim 1; It is characterized in that; Before paying the closing or open setting of application by mails; Smart card prompting user imports smart card PIN PIN code or other preset password, and what checking was imported is just to be provided with behind correct PIN code or the password, otherwise end operation.
4. the method for claim 1 is characterized in that, when said setup menu was realized on smart card, this method also comprised:
Before paying the closing or open setting of application by mails, smart card prompting user confirms; When needs are closed when pay by mails using, whether after the user confirms, also checking currently has ongoing electronic transaction, if having, then preserves work at present or waits for that work at present accomplishes or hard closing; If current do not have an ongoing transaction, then, the user directly closes after confirming.
5. the method for claim 1 is characterized in that, when said setup menu was realized on portable terminal, this method also comprised:
Before paying the closing or open setting of application by mails, portable terminal prompting user confirms; When needs were closed the E-Payment application, after the user confirmed, whether the smart card inspection is current had ongoing electronic transaction, if having, then preserved work at present or waited for perhaps hard closing of work at present completion; If current do not have an ongoing transaction, then, the user directly closes after confirming.
6. the method for claim 1 is characterized in that, when paying application setting by mails for after closing, when smart card receives the order that contactless card reader sends, refusal and noncontact reader carry out electric payment transaction alternately.
7. the method for claim 1; It is characterized in that, when said setup menu is realized on smart card, after closing or opened the E-Payment application; The current E-Payment of preservation is used to be in and is closed or opening in the smart card, also shows this state on the setup menu interface synchronously.
8. the method for claim 1; It is characterized in that; When said setup menu is realized on portable terminal; After closing or opened the E-Payment application, the current E-Payment of preservation is used to be in and is closed or opening in the smart card, also shows this state on the interface of portable terminal synchronously.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2008101729776A CN101727705B (en) | 2008-10-23 | 2008-10-23 | Method for closing and opening electronic payment application |
| PCT/CN2009/073562 WO2010045828A1 (en) | 2008-10-23 | 2009-08-27 | Method and apparatus of closing and opening electronic payment application |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2008101729776A CN101727705B (en) | 2008-10-23 | 2008-10-23 | Method for closing and opening electronic payment application |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN101727705A CN101727705A (en) | 2010-06-09 |
| CN101727705B true CN101727705B (en) | 2012-06-06 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2008101729776A Expired - Fee Related CN101727705B (en) | 2008-10-23 | 2008-10-23 | Method for closing and opening electronic payment application |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN101727705B (en) |
| WO (1) | WO2010045828A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104281950A (en) * | 2013-07-11 | 2015-01-14 | 腾讯科技（深圳）有限公司 | Method and device for improving electronic payment safety |
Families Citing this family (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103164259B (en) * | 2011-12-14 | 2016-09-14 | 国民技术股份有限公司 | Terminal applies management method |
| TW201419185A (en) * | 2012-11-08 | 2014-05-16 | Chien-Kang Yang | Mobile device, payment transaction system and payment transaction method |
| CN103021082A (en) * | 2012-12-13 | 2013-04-03 | 捷德（中国）信息科技有限公司 | IC (Integrated Circuit) card transaction method and IC card |
| CN104219196B (en) | 2013-05-29 | 2018-12-18 | 腾讯科技（深圳）有限公司 | Business locking means, business unlocking method, apparatus and system |
| CN104766030B (en) * | 2014-01-02 | 2021-08-06 | 苏州海博智能系统有限公司 | IC card anti-theft brushing device and method |
| CN105373751B (en) * | 2014-08-29 | 2018-12-25 | 北京数码视讯科技股份有限公司 | A kind of control method of contact type intelligent card, equipment and system |
| CN105447354B (en) * | 2015-11-04 | 2019-05-03 | Oppo广东移动通信有限公司 | Information processing method and device |
| CN105574723A (en) * | 2015-12-14 | 2016-05-11 | 联想(北京)有限公司 | Information security processing method and security processing apparatus |
| CN106845613A (en) * | 2017-02-09 | 2017-06-13 | 金邦达有限公司 | The contactless application module method for closing of smart card and device |
| CN107621977B (en) * | 2017-09-28 | 2021-06-18 | 努比亚技术有限公司 | Application control method, terminal and computer readable storage medium |
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| CN101231726A (en) * | 2008-02-19 | 2008-07-30 | 中兴通讯股份有限公司 | Method and apparatus for ensuring electronic payment safety |
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| FR2891639B1 (en) * | 2005-10-04 | 2007-11-30 | Atmel Corp | MEANS TO DEACTIVATE A NON-CONTACT DEVICE. |
| US20070235539A1 (en) * | 2006-04-05 | 2007-10-11 | Jarkko Sevanto | Mobile device with near field communication module and secure chip |
| CN101393666B (en) * | 2008-08-29 | 2011-08-24 | 中兴通讯股份有限公司 | ENFC mobile terminal and electronic payment controlling method thereof |
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2008
- 2008-10-23 CN CN2008101729776A patent/CN101727705B/en not_active Expired - Fee Related
-
2009
- 2009-08-27 WO PCT/CN2009/073562 patent/WO2010045828A1/en active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101171604A (en) * | 2005-03-07 | 2008-04-30 | 诺基亚公司 | Method and mobile terminal device including smartcard module and near field communication means |
| CN1933351A (en) * | 2006-09-27 | 2007-03-21 | 上海复旦微电子股份有限公司 | Mobile telephone apparatus realizing method with non-contact IC card or electronic label and non-contact IC card or electronic label read/write device application |
| CN101231726A (en) * | 2008-02-19 | 2008-07-30 | 中兴通讯股份有限公司 | Method and apparatus for ensuring electronic payment safety |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104281950A (en) * | 2013-07-11 | 2015-01-14 | 腾讯科技（深圳）有限公司 | Method and device for improving electronic payment safety |
| US9811826B2 (en) | 2013-07-11 | 2017-11-07 | Tencent Technology (Shenzhen) Company Limited | Method and apparatus for increasing security of an electronic payment |
Also Published As
| Publication number | Publication date |
|---|---|
| CN101727705A (en) | 2010-06-09 |
| WO2010045828A1 (en) | 2010-04-29 |
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Granted publication date: 20120606 Termination date: 20201023 |