CN102103770B - Processing method for transaction abnormity in electronic wallet application, and device and system thereof - Google Patents
Processing method for transaction abnormity in electronic wallet application, and device and system thereof Download PDFInfo
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- CN102103770B CN102103770B CN 200910242996 CN200910242996A CN102103770B CN 102103770 B CN102103770 B CN 102103770B CN 200910242996 CN200910242996 CN 200910242996 CN 200910242996 A CN200910242996 A CN 200910242996A CN 102103770 B CN102103770 B CN 102103770B
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Abstract
The invention discloses a processing method for transaction abnormity in electronic wallet application, and a device and a system thereof. The method comprises the following steps that: a card reading-writing device transmits a transaction abnormity notice to a user card when the card reading-writing device reads that a mobile terminal user card electronic wallet has an unsettled transaction start record before writing the transaction start record according to card swiping operations of the user; the user card transmits an abnormal transaction processing request to a payment system, wherein the request contains a region identifier in the unsettled transaction start record; and the payment system obtains abnormal transaction processing rules of corresponding region according to the region identifier, processes the abnormal transaction according to the obtained rules, and indicates the user card to clear the unsettled transaction start record after processing the abnormal transaction successfully. With the processing method, the device and the system thereof provided by the invention, the same mobile terminal user card electronic wallet can be used in regions executing different transaction rules.
Description
Technical field
The present invention relates to the data service technology of the communications field, relate in particular to unusual disposal route and device and the system of transaction in a kind of electronic wallet application.
Background technology
Under " Golden Card Program " promotion in nearly ten years, the construction of municipal traffic card system becomes better and approaching perfection day by day, and present domestic main cities has all had the municipal traffic card system of oneself.At present the topmost purposes of municipal traffic card system is exactly the handy service for the people, utilize that smart card can be taken pubic transport, subway, pay speedway fee with and enjoy various preferential measures.
The municipal traffic card system comprises that mainly smart card, accepting terminal (for example subway gate or public transport POS machine) and system for settling account consist of, realize in the most ISO14443 of employing of smart card side standard, because the difference of various places policy, rules, environment, each regional municipal traffic card system is different on business logic processing, card system such as each city is basically relatively independent with the card system in other cities, causes the municipal traffic all-purpose card in an area not use in another area.
In addition, public transportation system is pricing for segment often, and transaction often is not one step completed, need to get on the bus/enter the station and swipe the card, the operation of getting off/set off and charging.Under this business demand, for the information of remembeing that the user is entered the station, tend to when entering the station, in the municipal traffic all-purpose card, write relevant data, and when the user sets off, read these data, calculate corresponding rate and withhold, the state of last empty user is so that subnormal entering the station under the user.Although the transaction of this separation can be satisfied business and user's use habit demand, also easily causes some abnormal conditions, for example in the situation that very crowded, the user may not have enough time to swipe the card and just set off, and next time will abnormal in inbound.
Can find out, relatively independent by the card system of upper each department, can't intercommunication, therefore can not satisfy the demand that the user uses same smart card to use in different regions.
Using in different regions if realize same smart card, need the work of several aspects, at first is to form unified account, secondly is the unified machine card interface flow process of regulation, also needs to solve because the processing of the abnormal problem that various places different business pattern is brought.Wherein, the first two problem can be solved by formulating unified standard, but each area is owing to policy is different, demand is different, the equal reason of modality for co-operation, and the processing that causes each department that the abnormal conditions that produce are carried out is different.That is to say, in the situation that use existing smart card (such as the 13.56M Intelligent transportation card), general in different regions in order to realize smart card, even unified the interface flow process, unified account, also still there is the technology barrier that to process for abnormal conditions, therefore can't realizes that same smart card uses in different regions.
Summary of the invention
The embodiment of the invention provides unusual disposal route and device and the system of transaction in a kind of electronic wallet application, processes in order to realize the unusual transaction that produces when using same mobile phone users card stored value card to consume in different regions.
The unusual disposal route of transaction in the electronic wallet application that the embodiment of the invention provides need to be applied to by read/write card operation note transaction beginning, carries out the electronic wallet application of settlement of transactions by a read/write card operation again, and the method comprises:
The read/write card apparatus writing before transaction begins record in the operation of swiping the card according to the user, when reading mobile phone users card stored value card and existing open transaction to begin to record, sends the unusual notice of transaction to this subscriber card; The area sign that comprises transaction ground during described open transaction begins to record;
Described subscriber card is according to described notice, by the request of place portable terminal to the unusual transaction of payment system transmission processing, wherein carries the area sign of described open transaction in beginning to record, and the accounts information of described stored value card;
Described payment system is obtained the rule that corresponding area is processed unusual transaction according to described area sign, according to the rule that gets access to the unusual transaction of the corresponding stored value card account of the accounts information of described stored value card is processed, and the described subscriber card of indication is removed described open transaction and is begun record after processing successfully.
The electronic wallet application disposal system that the embodiment of the invention provides need to be applied to by read/write card operation note transaction beginning, carries out the electronic wallet application of settlement of transactions by a read/write card operation again, and this system comprises:
The read/write card apparatus is used for writing before transaction begins record in the operation of swiping the card according to the user, when reading mobile phone users card stored value card and existing open transaction to begin to record, sends the unusual notice of transaction to this subscriber card; The area sign that comprises transaction ground during described open transaction begins to record;
Payment system is used for receiving the request of the unusual transaction of processing that described subscriber card sends, and wherein carries the area sign of described open transaction in beginning to record, and the accounts information of described stored value card; And, obtain the rule that corresponding area is processed unusual transaction according to described area sign, according to the rule that gets access to the unusual transaction of the corresponding stored value card account of the accounts information of described stored value card is processed, and the described subscriber card of indication is removed described open transaction and is begun record after processing successfully.
Adopt the above embodiment of the present invention, by writing the area sign of concluding the business and writing transaction ground when beginning to record to subscriber card, thereby make the read/write card apparatus according to the user swipe the card the operation writing the transaction begin the record before, when reading mobile phone users card stored value card and existing open transaction to begin to record, send the unusual notice of transaction to this subscriber card, subscriber card can be notified according to this, send the request of the unusual transaction of processing of carrying this area's sign to payment system, and then make payment system obtain the rule that corresponding area is processed unusual transaction according to this area's sign, and according to this rule unusual transaction is processed, and this open transaction of indicating user card removing begins record after processing successfully, thereby make this subscriber card can continue normal use.
The embodiment of the invention also provides a kind of subscriber card that disposes electronic wallet application, and the request payment system is processed unusually to consequent when realizing that have open transaction thereon begins to record.
The subscriber card that disposes electronic wallet application that the embodiment of the invention provides comprises:
Transaction beginning record storage unit, the transaction that writes for storage read/write card apparatus begins record, comprising the area sign on transaction ground;
Unusual transaction processing request unit is used for receiving the read/write card apparatus writing before transaction begins record, reads the unusual notice of transaction that sends when described transaction begins to have open transaction to begin to record in the record storage unit; And according to described notice, by the request of place portable terminal to the unusual transaction of payment system transmission processing, wherein carry the area sign of described open transaction in beginning to record, and the accounts information of the stored value card on this subscriber card;
Unusual transaction record clearing cell is used for the indication that sends according to payment system, removes the open transaction that described transaction begins to store in the record storage unit and begins record; To be payment system obtaining the rule that corresponding area is processed unusual transaction according to described area sign in described indication, and according to the rule that gets access to rear transmission is processed in the unusual transaction of the corresponding stored value card account of the accounts information of described stored value card.
The above embodiment of the present invention, subscriber card is writing before transaction begins record by receiving the read/write card apparatus, read the unusual notice of transaction that sends when described transaction begins to have open transaction to begin to record in the record storage unit, and send the request of the unusual transaction of processing of the area sign carry unusual transaction spot to payment system according to this notice, thereby can make payment system obtain the unusual transaction processing rule of corresponding area and abnormal conditions are processed, and begin record by removing open transaction, make this subscriber card can continue normal use.
The embodiment of the invention also provides a kind of payment system, for unusually the conclude the business trading rules of spot of subscriber card stored value card the abnormal conditions that occur is processed realizing.
The payment system that the embodiment of the invention provides comprises:
Receiver module is used for receiving subscriber card begins to record the unusual transaction of processing that sends because having open transaction on it request, wherein carries the area sign of unusual transaction spot, and the accounts information of the stored value card on the described subscriber card;
Acquisition module, the described area sign that is used for receiving according to described receiver module is obtained the rule that corresponding area is processed unusual transaction;
Unusual trade processing module is used for according to the rule that described acquisition module gets access to the unusual transaction of the corresponding stored value card account of the accounts information of described stored value card being processed;
Sending module is used for after described unusual trade processing module is processed successfully, sends the described subscriber card of indication and removes the message that described open transaction begins to record.
Adopt the above embodiment of the present invention, obtain the unusual transaction processing rule of corresponding area by the area sign of the unusual transaction spot that sends according to subscriber card, and according to this rule these abnormal conditions are processed, thereby make subscriber card can continue normal use.Especially adopt the situation of different trading rules for different regions, can process abnormal conditions for the trading rules of unusual transaction spot, thereby can realize using the same subscriber card stored value card can be general in different regions.
Description of drawings
The network architecture schematic diagram that Fig. 1 provides for the embodiment of the invention;
The structural representation of the subscriber card that disposes electronic wallet application that Fig. 2 provides for the embodiment of the invention;
The structural representation of the payment system that Fig. 3 provides for the embodiment of the invention;
Arm's length transaction schematic flow sheet when the use portable terminal stored value card that Fig. 4 provides for the embodiment of the invention is taken subway;
The schematic flow sheet of when the use portable terminal stored value card that Fig. 5 provides for the embodiment of the invention is taken subway unusual transaction being processed.
Embodiment
Problem for the prior art existence, the embodiment of the invention adopts the SIM(user identification module in the portable terminal) card or USIM(universal subscriber identity module) the alternative existing municipal traffic smart card of card, utilize mobile communications network and mobile terminal payment system, the intercommunication of realization between the municipal traffic transaction system of different regions, employing Different Strategies used mutually, be particularly useful for needs by read/write card operation note transaction beginning, carry out again the electronic wallet application of settlement of transactions by a read/write card operation.
Below in conjunction with accompanying drawing the embodiment of the invention is described in detail.
Referring to Fig. 1, be the applied network architecture of the embodiment of the invention, mainly comprise: payment system, each regional read/write card apparatus, mobile communications network, portable terminal, wherein, dispose electronic wallet application on SIM card in the portable terminal or the usim card, the read/write card apparatus can be connected with payment system, in order to transaction data is synchronized to payment system.
Can store each area in the payment system for adopting the portable terminal stored value card to carry out the trading rules of municipal traffic consumption; Also can not store these rules, but provide and store separately with each department that the equipment of municipal traffic consumer sale rule carries out mutual interface, the equipment that can store from each department municipal traffic consumer sale rule by this interface obtains the trading rules of corresponding area.At least comprise the processing rule to various abnormal conditions in these trading rules, so that payment system according to the processing rule of abnormal conditions, is processed when corresponding abnormal conditions occur.
The read/write card apparatus for the stored value card account of the SIM card of finding when the Card Reader or the usim card situation of unusually concluding the business, can also send notice to SIM card or usim card except having common function; SIM card or usim card are except having common function, can also receive the unusual transaction advisory that the read/write card apparatus sends, then send request to payment system, process this unusual transaction situation with request, in order to make the electronic-purse transaction account of this SIM card or usim card can proceed transaction.
In order to identify the trading rules of each department, the embodiment of the invention can be distributed unique area sign (such as areaID) for different regions, and allows to index with areaID the trading rules of corresponding area.AreaID is configured on the read/write card apparatus of corresponding area, so that the read/write card apparatus is when finding that SIM card or usim card transaction data are unusual, write the areaID of this area to SIM card or usim card, SIM card or usim card send to payment system with areaID, process so that payment system is obtained the trading rules of corresponding area.
In order to distinguish various abnormal conditions, the embodiment of the invention can be distributed unique abnormal cause sign (such as errorID) for different abnormal conditions, and allows to index different abnormal conditions processing rules with errorID.ErrorID is configured on the read/write card apparatus, so that the read/write card apparatus is when finding that SIM card or usim card transaction data are unusual, write corresponding errorID for these abnormal conditions to SIM card or usim card, SIM card or usim card send to payment system with errorID, process so that payment system is obtained corresponding abnormal conditions processing rule.
Area sign and abnormal cause identify together can unique index to the corresponding abnormal conditions processing rule of corresponding area.
SIM(in the above-mentioned network architecture or USIM) card, can be as shown in Figure 2, wherein the main functional modules with the transaction abnormality processing comprises: transaction beginning record storage unit 201, transaction abnormality processing request unit 202, unusual transaction record clearing cell 203, wherein:
Transaction beginning record storage unit 201 begins record for the transaction that storage read/write card apparatus writes, comprising the area sign on transaction ground;
Unusual transaction processing request unit 202 is used for receiving the read/write card apparatus writing before transaction begins record, reading the unusual notice of transaction that sends when having open transaction to begin to record in the transaction beginning record storage unit 201; Then according to this notice, by the request of place portable terminal to the unusual transaction of payment system transmission processing, wherein carry the accounts information of the stored value card on this subscriber card, and carry the area sign of this open transaction that easily begins in the record storage unit 201 storage in beginning to record, can also further carry other data and the read/write card apparatus abnormal cause that write of transaction in beginning to record and identify;
The indication that unusual transaction record clearing cell 203 is used for according to the payment system transmission, the open transaction of removing storage in the transaction beginning record storage unit 201 begins record; To be payment system obtaining the rule that corresponding area is processed unusual transaction according to the area sign in this indication, and according to the rule that gets access to rear transmission is processed in the unusual transaction of respective electronic wallet account.
Payment system in the above-mentioned network architecture as shown in Figure 3, mainly comprises: receiver module 301, acquisition module 302, unusual trade processing module 303, sending module 304, wherein:
The area sign that acquisition module 302 is used for receiving according to receiver module 301 is obtained the rule that corresponding area is processed unusual transaction;
Unusual trade processing module 303 is used for according to the rule that acquisition module 302 gets access to the unusual transaction of respective electronic wallet account being processed;
Sending module 304 is used for sending the indicating user card and removing the message that open transaction begins to record after unusual trade processing module 303 is processed successfully.
In this payment system, if also carry the abnormal cause sign in the request of the unusual transaction of the processing that receiver module 301 receives, then unusual trade processing module 303 obtains the trading rules of processing corresponding abnormal conditions according to this abnormal cause sign.
Based on the above network architecture, when the user uses the portable terminal stored value card to take public transport or transaction to occur during the situation such as carry out paying the fees in the expressway unusual, particularly conclude the business at the strange land abnormal, can pass through portable terminal, adopt STK(SIM card development kit) short message or GPRS(General Packet Radio Service, GPRS (General Packet Radio Service)) etc. mode uploads to payment system with mobile communications network with the relevant abnormalities Transaction Information, process unusual transaction by payment system according to the dependency rule of the unusual spot of transaction, and after processing successfully, notice mobile phone users card stored value card account recovers normal, so that the user can normally use the portable terminal stored value card to take public transport or the consumption of other modes.
Below use the portable terminal stored value card to take subway as example with the user, the treatment scheme to unusual transaction is described.
As shown in Figure 4, when the user enters subway station, use portable terminal to swipe the card at the gate at the subway place of entering the station, gate at first reads RFID-SIM card (being the radio frequency identification SIM card) the electronic-purse transaction data (step 401) in the portable terminal, if no abnormal transaction data, then write the data that enter the station, with expression transaction beginning (step 402); The user uses this portable terminal to swipe the card at the gate of subway departures place when departures, gate at first reads the RFID-SIM card (step 403) in the portable terminal, the discovery data recording that enters the station, then according to consumption rule to the processing of withholing of portable terminal stored value card account, finish this transaction (step 404).
In the above-mentioned flow process, gate can comprise to the data that enter the station that the RFID-SIM card writes: the status indicator that enters the station, and such as stateID=1, expression is entered the station, and also comprises area sign (areaID), and this area's sign is the sign in the area of this transaction spot; Gate to the stored value card account in the RFID-SIM card withhold process after, the data dump that will enter the station is finished this transaction with expression.If the consumption rule predetermining is pressed the mileage block meter rate, then the data that enter the station that write to the RFID-SIM card of gate can also comprise subway line sign (lineID) and when the platform sign (stageID) of setting out in advance to make arrangements, gate is withholdd when processing to the stored value card in the RFID-SIM card, need to according to the sign that enters the station of record in the card calculate the departures of entering the station mileage or process the station number and carry out according to this charging and the processing of withholing.
If the user time does not use portable terminal to swipe the card at the gate of departures place in departures, then the data that enter the station in the RFID-SIM card will be retained on this card, represent that this time transaction do not finish; When this user reuse the configuration this RFID-SIM card portable terminal when the gate at the subway place of entering the station is swiped the card, abnormal conditions will appear.
As shown in Figure 5, when the user enters subway station, use portable terminal to swipe the card at the gate at the subway place of entering the station, gate at first reads the RFID-SIM card electronic-purse transaction data (step 501) in the portable terminal, gate reads in this card and records the data that enter the station, and such as stateID=1 and areaID, judges this time transaction and does not finish, then suspend trading, namely do not write first the data (step 502) that enter the station; Gate sends the notice of abnormal transaction to this RFID-SIM card, and can further write abnormal cause sign (such as errorID=1), and expression occurs unusual and abnormal cause is that last transaction is not finished (step 503); The notice that the RFID-SIM card is sent out according to gate judges that needs requested service system processes these abnormal conditions, so process the request message of abnormal conditions to the operation system request by portable terminal, wherein carry the areaID in the data that enter the station of not removing, can also further carry errorID, and the accounts information of the stored value card on should blocking, as, the account (step 504) of stored value card account; After payment system receives request message, obtain the municipal traffic trading rules of corresponding area according to the areaID that carries in this request message, obtain the processing rule of corresponding abnormal conditions in these municipal traffic trading rules according to errorID, then according to this processing rule pair stored value card account corresponding with the stored value card account withhold (step 505); Payment system sends a notification message to portable terminal after withholing successfully, deletes the data (step 506) that enter the station with indicating mobile terminal; After portable terminal receives the notice of payment system transmission, delete the data (step 507) that enter the station according to the indication of this notice.
Afterwards, the user can use this portable terminal again to swipe the card at the gate at the place of entering the station, and this moment, gate did not read unusual transaction data, thereby carries out the processing of entering the station normally; The user uses this portable terminal to swipe the card at the gate of departures place when departures, and gate is carried out normal departures and processed.
In the step 504 of above-mentioned flow process, portable terminal can adopt the request message of the mode transmission processing abnormal conditions such as STK short message or GPRS; In the step 506, payment system can adopt the modes such as STK short message or GPRS to send a notification message to portable terminal.
In the step 504 of above-mentioned flow process, can also carry according to a preconcerted arrangement other data that enter the station in the request message of processing abnormal conditions, such as line identification (lineID) and platform sign (stageID); In the step 505, payment system can be after getting access to the respective handling rule according to areaID and errorID, carries out charging according to this rule and withhold according to lineID and stageID.
In another embodiment of the present invention, the user uses portable terminal when the gate at the subway place of entering the station is swiped the card, if gate reads in this card and records the data that enter the station, and judge this time transaction and do not finish, then suspend trading, namely do not write first the data that enter the station, and can further identify to judge that according to the area that comprises in these data that enter the station the unusual spot of transaction is this locality or strange land (the area sign that namely comprises in these data that enter the station is area sign or the area in other areas sign of this area), if strange land, then again according to aforementioned flow processing, if local, then can directly adopt local trading strategies that these abnormal conditions are processed, and after finishing dealing with, remove these data that enter the station, so that this portable terminal can continue normal bankcard consumption.Like this, the abnormal conditions that can solve in this locality can be solved in this locality as far as possible, the abnormal conditions that can't resolve for this locality are solved by the mobile terminal request payment system again, thereby can save network system resources.
Above flow process is used the portable terminal stored value card to take subway with the user and described as example, and is similar unusual for what occur in other electronic wallet application processes, adopts the embodiment of the invention also can process.
For example, in the application according to time-based charging, time span between swiping the card for twice according to the portable terminal stored value card is carried out charging, for this application, the flow process of its abnormality processing is similar to aforementioned flow process, difference is, the read/write card apparatus writes SIM(or USIM) data that show the transaction beginning of card are different.In this application, show that the data of transaction beginning can comprise area sign and opening, when arm's length transaction finishes, the read/write card apparatus that is used for settlement of transactions will show that the data of transaction beginning are from SIM(or USIM) card removal.The not normal termination if the user last time concluded the business, data of its transaction beginning will be retained in SIM(or USIM) in the card, when the read/write card apparatus that is used for writing transaction beginning data reads SIM(or USIM) when the transaction that keeps of card begins data, then suspend data writing, start the abnormality processing flow process.
Can find out according to above description, use the same subscriber card stored value card can be general in different regions, and can pay polytype consumption, in order to distinguish dissimilar consumption, so that adopting the trading rules of corresponding consumption type when carrying out abnormality processing processes, in the another embodiment of the present invention, the transaction that the read/write card apparatus writes subscriber card begins also to comprise the type of transaction sign in the record, to show current type of transaction; In sending to the unusual transaction processing request of payment system, can further carry subscriber card this type of transaction sign; Payment system can be processed abnormal conditions according to the trading rules that this type of transaction sign is obtained the respective transaction type, thereby make the subscriber card stored value card can continue arm's length transaction when abnormal conditions are processed.
In sum, the above embodiment of the present invention, when the read/write card apparatus is writing transaction that transaction reads subscriber card before beginning to record and have incomplete transaction and begins to record, subscriber card is sent the abnormal conditions notice, the area of spot sign sends to payment system so that subscriber card will be concluded the business unusually, make payment system adopt the trading rules of corresponding area that abnormal conditions are processed according to this area's sign, thereby make subscriber card can continue normal use, solved the irrealizable strange land of use municipal traffic all-purpose card institute and used problem.
Obviously, those skilled in the art can carry out various changes and modification to the present invention and not break away from the spirit and scope of the present invention.Like this, if of the present invention these are revised and modification belongs within the scope of claim of the present invention and equivalent technologies thereof, then the present invention also is intended to comprise these changes and modification interior.
Claims (18)
1. the unusual disposal route of transaction in the electronic wallet application need to be applied to by read/write card operation note transaction beginning, carry out the electronic wallet application of settlement of transactions by a read/write card operation again, it is characterized in that, comprising:
The read/write card apparatus writing before transaction begins record in the operation of swiping the card according to the user, when reading mobile phone users card stored value card and existing open transaction to begin to record, sends the unusual notice of transaction to this subscriber card; The area sign that comprises transaction ground during described open transaction begins to record;
Described subscriber card is according to described notice, by the request of place portable terminal to the unusual transaction of payment system transmission processing, wherein carries the area sign of described open transaction in beginning to record, and the accounts information of described stored value card;
Described payment system is obtained the rule that corresponding area is processed unusual transaction according to described area sign, according to the rule that gets access to the unusual transaction of the corresponding stored value card account of the accounts information of described stored value card is processed, and the described subscriber card of indication is removed described open transaction and is begun record after processing successfully.
2. the method for claim 1 is characterized in that, described read/write card apparatus read mobile phone users card stored value card exist open transaction begin the record after, also comprise:
When the area in described open transaction begins to record is designated the sign in area, strange land, send the unusual notice of transaction to described subscriber card.
3. method as claimed in claim 1 or 2 is characterized in that, the read/write card apparatus also carries the abnormal cause sign in the notice that sends to described subscriber card;
Described subscriber card also carries described abnormal cause sign in the request of the unusual transaction of the processing that sends to payment system;
Payment system is obtained the rule corresponding with described abnormal cause sign from the rule of the unusual transaction of processing corresponding with described area sign when obtaining rule.
4. method as claimed in claim 1 or 2 is characterized in that, described transaction begins also to carry in the record type of transaction sign;
Described subscriber card also carries described type of transaction sign in the request of the unusual transaction of the processing that sends to payment system;
When payment system is obtained rule, also obtain the processing rule of the unusual transaction of processing the respective transaction type according to described type of transaction sign.
5. method as claimed in claim 1 or 2 is characterized in that, it is that the transaction that enters platform when riding public transportation means begins record that described transaction begins to record, and wherein also carries the line identification of the vehicles and the sign of the platform that enters;
Described subscriber card also carries described line identification and platform sign in unusual request is concluded the business in the processing that sends to payment system;
When payment system is processed unusual transaction, also according to described line identification and platform sign unusual transaction is processed.
6. method as claimed in claim 1 or 2 is characterized in that, when payment system was obtained rule, the each department from pre-configured in this locality were processed and obtained the unusual rule of concluding the business and the described regional unusual rule of concluding the business of processing that identifies corresponding area;
Perhaps, according to described area sign, store the rule of obtaining the unusual transaction of processing the memory device of processing unusual trading rules in this area from corresponding area.
7. method as claimed in claim 1 or 2 is characterized in that, described subscriber card sends SMS message or GPRS (General Packet Radio Service) GPRS message to payment system by the place portable terminal, sends the request of the unusual transaction of described processing;
Described payment system is indicated described subscriber card to remove described open transaction and is begun record by transmitting short message by mobile terminal or GPRS message to described subscriber card place.
8. a subscriber card that disposes electronic wallet application is characterized in that, comprising:
Transaction beginning record storage unit, the transaction that writes for storage read/write card apparatus begins record, comprising the area sign on transaction ground;
Unusual transaction processing request unit is used for receiving the read/write card apparatus writing before transaction begins record, reads the unusual notice of transaction that sends when described transaction begins to have open transaction to begin to record in the record storage unit; And according to described notice, by the request of place portable terminal to the unusual transaction of payment system transmission processing, wherein carry the area sign of described open transaction in beginning to record, and the accounts information of the stored value card on this subscriber card;
Unusual transaction record clearing cell is used for the indication that sends according to payment system, removes the open transaction that described transaction begins to store in the record storage unit and begins record; To be payment system obtaining the rule that corresponding area is processed unusual transaction according to described area sign in described indication, and according to the rule that gets access to rear transmission is processed in the unusual transaction of the corresponding stored value card account of the accounts information of described stored value card.
9. subscriber card as claimed in claim 8, it is characterized in that, described unusual transaction processing request unit, also be used for receiving the abnormal cause sign that the read/write card apparatus carries in the described notice that sends, and in the request of the unusual transaction of the processing that sends to payment system, carry described abnormal cause sign.
10. subscriber card as claimed in claim 8 or 9 is characterized in that, described transaction begins record storage unit and also receives the read/write card apparatus and be written to the type of transaction sign of transaction in beginning to record;
Unusual transaction processing request unit also carries described type of transaction sign in the request of the unusual transaction of the processing that sends to payment system.
11. a payment system is characterized in that, comprising:
Receiver module is used for receiving subscriber card begins to record the unusual transaction of processing that sends because having open transaction on it request, wherein carries the area sign of unusual transaction spot, and the accounts information of the stored value card on the described subscriber card;
Acquisition module, the described area sign that is used for receiving according to described receiver module is obtained the rule that corresponding area is processed unusual transaction;
Unusual trade processing module is used for according to the rule that described acquisition module gets access to the unusual transaction of the corresponding stored value card account of the accounts information of described stored value card being processed;
Sending module is used for after described unusual trade processing module is processed successfully, sends the described subscriber card of indication and removes the message that described open transaction begins to record.
12. payment system as claimed in claim 11 is characterized in that, also carries the abnormal cause sign in the request of the unusual transaction of the processing that described receiver module receives;
Described acquisition module also is used for obtaining the rule corresponding with described abnormal cause sign from the rule of the unusual transaction of processing corresponding with described area sign.
13. such as claim 11 or 12 described payment systems, it is characterized in that, also carry the type of transaction sign in the request of the unusual transaction of the processing that described receiver module receives;
Described acquisition module also is used for obtaining the processing rule of the unusual transaction of processing the respective transaction type according to described type of transaction sign.
14. such as claim 11 or 12 described payment systems, it is characterized in that, described acquisition module specifically is used for: the each department from pre-configured in this locality are processed the rule of unusual transaction and are obtained the rule that identifies the unusual transaction of processing in corresponding area with described area; Perhaps, store to obtain the memory device of processing unusual trading rules in this area from corresponding area and process unusual trading rules.
15. an electronic wallet application disposal system need to be applied to by read/write card operation note transaction beginning, carries out the electronic wallet application of settlement of transactions by a read/write card operation again, it is characterized in that, comprising:
The read/write card apparatus is used for writing before transaction begins record in the operation of swiping the card according to the user, when reading mobile phone users card stored value card and existing open transaction to begin to record, sends the unusual notice of transaction to this subscriber card; The area sign that comprises transaction ground during described open transaction begins to record;
Payment system is used for receiving the request of the unusual transaction of processing that described subscriber card sends, and wherein carries the area sign of described open transaction in beginning to record, and the accounts information of described stored value card; And, obtain the rule that corresponding area is processed unusual transaction according to described area sign, according to the rule that gets access to the unusual transaction of the corresponding stored value card account of the accounts information of described stored value card is processed, and the described subscriber card of indication is removed described open transaction and is begun record after processing successfully.
16. system as claimed in claim 15, it is characterized in that, described read/write card apparatus also is used for: read the area sign that described open transaction begins to record after mobile phone users card stored value card exists open transaction to begin to record reading, and when this area is designated the sign in area, strange land, send the unusual notice of transaction to described subscriber card.
17. such as claim 15 or 16 described systems, it is characterized in that, described read/write card apparatus also carries the abnormal cause sign in the notice that sends to described subscriber card;
Also carry described abnormal cause sign in the request of the unusual transaction of the processing that described payment system receives; When obtaining rule, from the rule of the processing unusual transaction corresponding with described area sign, obtain the rule corresponding with described abnormal cause sign.
18. such as claim 15 or 16 described systems, it is characterized in that, described read/write card apparatus also carries the type of transaction sign in the notice that sends to described subscriber card;
Also carry described type of transaction sign in the request of the unusual transaction of the processing that described payment system receives; When obtaining rule, also obtain the unusual transaction processing rule of processing the respective transaction type according to described type of transaction sign.
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| US20130339234A1 (en) * | 2011-12-29 | 2013-12-19 | Gyan Prakash | Method and system for mobile commerce with real-time purchase support |
| CN103295320B (en) * | 2013-05-06 | 2015-08-19 | 深圳市国民电子商务有限公司 | The system and method that a kind of all-purpose card interconnects |
| CN105488670A (en) * | 2015-11-23 | 2016-04-13 | 上海银生宝电子支付服务有限公司 | Payment request processing method, apparatus and system |
| CN109146087B (en) * | 2017-06-27 | 2022-02-18 | 许继集团有限公司 | Electric vehicle charging abnormal transaction processing method and charging operation platform |
| CN107516214B (en) * | 2017-08-26 | 2020-11-20 | 复旦大学 | Credit card anti-theft method based on block chain |
| CN108769959A (en) * | 2018-04-11 | 2018-11-06 | 南京熊猫通信科技有限公司 | A kind of communication terminal near field identifying system and method based on microcell base station |
| CN109934978B (en) * | 2019-03-15 | 2020-12-11 | 上海华铭智能终端设备股份有限公司 | Control method and terminal of gate equipment, gate equipment and system |
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