CN102779374B - The transaction processing method of stored value card and system - Google Patents
The transaction processing method of stored value card and system Download PDFInfo
- Publication number
- CN102779374B CN102779374B CN201210002168.7A CN201210002168A CN102779374B CN 102779374 B CN102779374 B CN 102779374B CN 201210002168 A CN201210002168 A CN 201210002168A CN 102779374 B CN102779374 B CN 102779374B
- Authority
- CN
- China
- Prior art keywords
- stored value
- value card
- card
- business
- consumption terminal
- 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.)
- Active
Links
- 238000003672 processing method Methods 0.000 title claims abstract description 15
- 238000012545 processing Methods 0.000 claims abstract description 40
- 238000000034 method Methods 0.000 claims description 30
- 230000008569 process Effects 0.000 claims description 24
- GOLXNESZZPUPJE-UHFFFAOYSA-N spiromesifen Chemical compound CC1=CC(C)=CC(C)=C1C(C(O1)=O)=C(OC(=O)CC(C)(C)C)C11CCCC1 GOLXNESZZPUPJE-UHFFFAOYSA-N 0.000 claims description 20
- 238000002592 echocardiography Methods 0.000 claims description 7
- 238000003860 storage Methods 0.000 claims description 7
- 238000012360 testing method Methods 0.000 claims description 7
- 230000005540 biological transmission Effects 0.000 claims description 6
- 238000012790 confirmation Methods 0.000 claims description 3
- 238000010200 validation analysis Methods 0.000 claims 4
- 230000000977 initiatory effect Effects 0.000 description 7
- 101100059544 Arabidopsis thaliana CDC5 gene Proteins 0.000 description 6
- 101150115300 MAC1 gene Proteins 0.000 description 6
- 101100244969 Arabidopsis thaliana PRL1 gene Proteins 0.000 description 5
- 102100039558 Galectin-3 Human genes 0.000 description 5
- 101100454448 Homo sapiens LGALS3 gene Proteins 0.000 description 5
- 101150051246 MAC2 gene Proteins 0.000 description 5
- 238000010586 diagram Methods 0.000 description 4
- 230000006870 function Effects 0.000 description 4
- 238000005516 engineering process Methods 0.000 description 3
- 230000006698 induction Effects 0.000 description 3
- 230000003993 interaction Effects 0.000 description 3
- 230000004044 response Effects 0.000 description 2
- 230000009466 transformation Effects 0.000 description 2
- 238000012795 verification Methods 0.000 description 2
- 238000004891 communication Methods 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000010295 mobile communication Methods 0.000 description 1
- 238000004080 punching Methods 0.000 description 1
Landscapes
- Storage Device Security (AREA)
- Telephone Function (AREA)
Abstract
The invention provides a kind of transaction processing method and system of stored value card, and consumption terminal equipment, wherein the transaction processing method of stored value card comprises: consumption terminal equipment obtains the identification information of the stored value card forbidding concluding the business from consumption terminal management platform and stores; Consumption terminal equipment receives and sends from usim card or SIM card the transaction request message comprising the identification information of stored value card; Consumption terminal equipment, when confirming that according to the identification information of described stored value card described stored value card does not belong to the stored value card forbidding concluding the business, carries out transaction processing according to described transaction request message.Present invention also offers corresponding system and consumption terminal equipment.Technical scheme of the present invention can improve the security of electronic-purse transaction.
Description
Technical field
The present invention relates to the transaction technology of stored value card, particularly relate to a kind of transaction processing method and system of stored value card, belong to field of computer technology.
Background technology
Stored value card can be carried on subscriber identification module (the Subscriber Identity Module of mobile terminal in prior art, hereinafter referred to as: SIM) card or Global Subscriber identification module card (Universal Subscriber Identity Module, hereinafter referred to as: USIM), and intelligent chip is set in above-mentioned SIM card or usim card, this intelligent chip possesses radio frequency identification (Radio Frequency Identification, hereinafter referred to as: RFID) function, contactless communication can be carried out with consumption terminal equipment, namely consumption terminal equipment that is direct and trade company carries out alternately, stored value card and consumption terminal equipment is assisted to carry out data transmission, by the consumption terminal equipment of trade company, stored value card is verified and authentication, and finally withhold from stored value card, complete transaction.
The using method of the stored value card that above-mentioned prior art provides, directly can realize without mobile communications network carrying the SIM card of stored value card and the consumption terminal equipment of trade company conclude the business, it is more convenient to use, but when also there is mobile terminal loss simultaneously, the possibility that carrying stored value card is in the terminal illegally used, therefore, there is the low defect of security in carrying of the prior art stored value card in the terminal.
Summary of the invention
The invention provides a kind of transaction processing method and system of stored value card, and a kind of consumption terminal equipment, for the security of electronic-purse transaction can be improved.
The invention provides a kind of transaction processing method of stored value card, comprising:
Consumption terminal equipment obtains the identification information of the stored value card forbidding concluding the business from consumption terminal management platform and stores;
Consumption terminal equipment receives and sends from usim card or SIM card the transaction request message comprising the identification information of stored value card;
Consumption terminal equipment, when confirming that according to the identification information of described stored value card described stored value card does not belong to the stored value card forbidding concluding the business, carries out transaction processing according to described transaction request message.
Present invention also offers a kind of consumption terminal equipment, comprising:
First acquisition module, for obtaining the identification information of the stored value card forbidding concluding the business from consumption terminal management platform and storing;
Memory module, for forbidding the identification information of the stored value card of concluding the business described in storing;
First receiver module, sends from usim card or SIM card the transaction request message comprising the identification information of stored value card for receiving;
Trade processing module, for when confirming that according to the identification information of described stored value card described stored value card does not belong to the stored value card forbidding concluding the business, carries out transaction processing according to described transaction request message.
Present invention also offers a kind of transaction processing system of stored value card, comprise consumption terminal equipment, consumption terminal management platform and mobile terminal device, described mobile terminal device is provided with SIM card or the usim card of carrying stored value card, described consumption terminal equipment is used for obtaining the identification information of the stored value card forbidding transaction from consumption terminal management platform and storing, and for receiving the transaction request message comprising the identification information of stored value card sent from usim card or SIM card, and when confirming described usim card according to the identification information of described stored value card or SIM card carrying stored value card does not belong to the stored value card forbidding concluding the business, transaction processing is carried out according to described transaction request message.
Technical scheme provided by the invention, consumption terminal equipment is wherein by obtaining the identification information of the stored value card forbidding concluding the business from consumption terminal management platform and storing, make its receive send from usim card or SIM card comprise the transaction request message of the identification information of stored value card after, can confirm whether the stored value card of initiating transaction request message is the stored value card forbidding concluding the business, only when confirming that this stored value card is not prohibited to conclude the business, just carry out normal transaction processing, the security of electronic-purse transaction can be improved.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of the transaction processing method embodiment of stored value card of the present invention;
Fig. 2 is the structural representation one of consumption terminal equipment in the embodiment of the present invention;
Fig. 3 is the structural representation of trade processing module in implementing shown in Fig. 2;
Fig. 4 is the structural representation two of consumption terminal equipment in the embodiment of the present invention;
Fig. 5 is the device schematic diagram of the transaction processing system of stored value card in the embodiment of the present invention;
Fig. 6 is the transaction process flow schematic diagram of stored value card in the specific embodiment of the invention.
Embodiment
For the problem that security in the transaction processing process of the stored value card of prior art is low, the invention process provides a kind of transaction processing method of stored value card, Fig. 1 is the schematic flow sheet of the transaction processing method embodiment of stored value card of the present invention, and as described in Figure 1, it comprises following step:
Step 101, consumption terminal equipment obtain the identification information of the stored value card forbidding concluding the business from consumption terminal management platform and store;
Step 102, consumption terminal equipment receive and send from usim card or SIM card the transaction request message comprising the identification information of stored value card;
Step 103, consumption terminal equipment, when confirming that according to the identification information of described stored value card described stored value card does not belong to the stored value card forbidding concluding the business, carry out transaction processing according to described transaction request message.
The technical scheme that the embodiment of the present invention provides, consumption terminal equipment is wherein by obtaining the identification information of the stored value card forbidding concluding the business from consumption terminal management platform and storing, make its receive send from usim card or SIM card comprise the transaction request message of the identification information of stored value card after, can confirm whether the stored value card of initiating transaction request message is the stored value card forbidding concluding the business, only when confirming that this stored value card is not prohibited to conclude the business, just carry out normal transaction processing, the security of electronic-purse transaction can be improved.
In the above embodiment of the present invention, wherein forbid that the identification information of the stored value card of concluding the business can for forbidding the application sequence identification list of the stored value card of concluding the business, the identification information of the stored value card that above-mentioned transaction request message comprises is the application sequence number mark of stored value card, this application sequence number is designated the unique identification of stored value card, and in the step 103 of wherein above-described embodiment, according to the identification information of stored value card, consumption terminal equipment confirms that described stored value card does not belong to and forbids that the stored value card of concluding the business is specially:
Consumption terminal equipment confirms that the application sequence number mark of the stored value card that described transaction request message comprises is forbidden in the application sequence identification list of the stored value card of concluding the business one described in not belonging to.
In addition, in above-mentioned steps 101, consumption terminal equipment from consumption terminal management platform obtain the identification information of stored value card forbidding concluding the business concrete can be obtain from consumption terminal management platform the identification information forbidding the stored value card of concluding the business the process of registering or the test process that echoes.
In addition, the identification information forbidding the stored value card of concluding the business related in each embodiment above-mentioned can be generated by electronic wallet application platform and safeguarded, and when this information occurs to upgrade, will forbid that the identification information of stored value card of concluding the business sends to consumption terminal management platform after upgrading by electronic wallet application platform.In the above embodiment of the present invention, for forbidding that the identification information of the stored value card of concluding the business can arrange from high to low according to the priority of stored value card, and a part higher for priority is forbidden that the identification information of the stored value card of concluding the business is handed down to consumption terminal equipment according to the storage capacity of consumption terminal by consumption management platform.
The consumption terminal equipment that the above embodiment of the present invention provides, stored value card wherein can as the one of the application in SIM card or usim card, load this electronic wallet application in usim card or SIM card after, can by the intelligent chip of enable transmission in SIM card or usim card, SIM card is completed or the data between usim card and consumption terminal equipment are transmitted by this intelligent chip, and then when concluding the business, mobile terminal can be moved in the induction zone of consumption terminal equipment, directly complete from stored value card hard smash expense without the need to manual operation, this implementation flexible and convenient operation, but it is also uncontrollable for the consumption of some larger amounts, a kind of technical scheme that can limit customer consumption amount is further provided in technical solution of the present invention, particularly in the application program of SIM card or usim card, store Spending Limit and Spending Limit password realizes, in process of exchange, the method comprises following step:
Consumption terminal equipment reads subscriber consumption limit from the SIM card or usim card of carrying stored value card, and when judging that target consumer amount is greater than described subscriber consumption limit, receiving password that user inputted by input equipment and sending to SIM card or the usim card of described carrying stored value card; This step can be when consumption terminal equipment judges the subscriber consumption limit of setting before target consumer amount is greater than, information is sent by display device, and after receiving the password that user inputted by input equipment, carry out follow-up judgement by the SIM card of carrying stored value card or usim card;
The password authentification of SIM card or usim card transmission that consumption terminal equipment receives carrying stored value card is by carrying out transaction processing after message.
The embodiment of the present invention additionally provides a kind of consumption terminal equipment, Fig. 2 is the structural representation of consumption terminal equipment in the embodiment of the present invention, as shown in Figure 2, this consumption terminal equipment comprises the first acquisition module 11, memory module 12, first receiver module 13 and trade processing module 14, and the first acquisition module 11 is wherein for obtaining the identification information of the stored value card forbidding concluding the business from consumption terminal management platform and storing; Memory module 12 is for forbidding the identification information of the stored value card of concluding the business described in storing; First receiver module 13 sends from usim card or SIM card the transaction request message comprising the identification information of stored value card for receiving; Trade processing module 14, for when confirming that according to the identification information of described stored value card described stored value card does not belong to the stored value card forbidding concluding the business, carries out transaction processing according to described transaction request message.
The consumption terminal equipment that the embodiment of the present invention provides, by obtaining the identification information of the stored value card forbidding concluding the business from consumption terminal management platform and storing, make its receive send from usim card or SIM card comprise the transaction request message of the identification information of stored value card after, can confirm whether the stored value card of initiating transaction request message is the stored value card forbidding concluding the business, only when confirming that this stored value card is not prohibited to conclude the business, just carry out normal transaction processing, the security of electronic-purse transaction can be improved.
Concrete; consumption terminal equipment in the above embodiment of the present invention can be POS, the gate of transformation or vending machine; when the SIM or usim card that are provided with RFID function move to its induction region; the two can pass through noncontact instruction interaction; consumption safety authentication module (Purchase Security Authenticate Model can also be set in addition on consumption terminal equipment; hereinafter referred to as: PSAM); this PASM is stuck on each consumption terminal equipment and uses, and provides the safeguard protection of IC-card rank for it.In addition, as as described in above-mentioned embodiment of the method, the identification information forbidding the stored value card of concluding the business wherein can for forbidding the application sequence identification list of the stored value card of concluding the business, the identification information of the stored value card that transaction request message comprises is the application sequence number mark of stored value card, now, as shown in Figure 3, above-mentioned trade processing module 14 comprises the first confirmation unit 141 and the first transaction handling unit 142, the first confirmation unit 141 is wherein for confirming that the application sequence number mark of the stored value card that described transaction request message comprises is forbidden in the application sequence identification list of the stored value card of concluding the business one described in not belonging to, first transaction handling unit 142 is for carrying out transaction processing according to described transaction request message.
In the above embodiment of the present invention, the first acquisition module 11 wherein specifically for obtaining the identification information forbidding the stored value card of concluding the business in the process of registering or the test process that echoes from consumption terminal management platform.
And in order to realize the restriction to the spending limit that stored value card is concluded the business at every turn, in the embodiment of the present invention, as shown in Figure 4, consumption terminal equipment wherein can further include the first sending module 15 and the second receiver module 16, the first sending module 15 wherein for reading subscriber consumption limit from the SIM or usim card of carrying stored value card, and when judging that target consumer amount is greater than described subscriber consumption limit, receive password that user inputted by input equipment and send to SIM card or the usim card of described carrying stored value card, concrete above-mentioned target consumer amount can obtain from trade processing module 14, second receiver module 16 for receiving the password authentification of SIM card or the usim card transmission carrying stored value card by message, and indicates trade processing module 14 to carry out transaction processing.
The embodiment of the present invention additionally provides a kind of transaction processing system of stored value card, Fig. 5 is the device schematic diagram of the transaction processing system of stored value card in the embodiment of the present invention, as shown in Figure 5, this system comprises consumption terminal equipment 1, consumption terminal management platform 2 and mobile terminal device 3, wherein mobile terminal device 3 is provided with SIM card or the usim card of carrying stored value card, described consumption terminal equipment 1 is for obtaining the identification information of the stored value card forbidding concluding the business from consumption terminal management platform 2 and storing, and for receiving the transaction request message comprising the identification information of stored value card sent from usim card or SIM card, and when confirming described usim card according to the identification information of described stored value card or SIM card carrying stored value card does not belong to the stored value card forbidding concluding the business, transaction processing is carried out according to described transaction request message.
The transaction processing system of the stored value card that the above embodiment of the present invention provides, by obtaining the identification information of the stored value card forbidding concluding the business from consumption terminal management platform and storing, make it after reception comprises the transaction request message of the identification information of stored value card from usim card or SIM card transmission, can confirm whether the stored value card of initiating transaction request message is the stored value card forbidding concluding the business, only when confirming that this stored value card is not prohibited to conclude the business, just carry out normal transaction processing, the security of electronic-purse transaction can be improved.
The transaction processing system of the stored value card that the above embodiment of the present invention provides, can further include electronic wallet application platform 4, the identification information of the stored value card of concluding the business forbidden by this electronic wallet application platform 4 for generating and safeguarding, and described forbid conclude the business stored value card identification information occur upgrade time, to forbid that the identification information of stored value card of concluding the business sends to consumption terminal management platform after described renewal, described consumption terminal management platform specifically for obtaining the identification information forbidding the stored value card of concluding the business in the process of registering or the test process that echoes from consumption terminal management platform.
In a particular embodiment of the present invention, SIM card wherein or usim card have RFID function, noncontact instruction interaction can be carried out, and the mode such as preset by fabrication, aerial download or card reader write application can be loaded in SIM card or usim card, electronic wallet application is refered in particular in the present embodiment, stored value card is after being installed to SIM card or usim card this locality, and user can be arranged according to personal considerations, such as, for the use of stored value card arranges Spending Limit key etc.And for consumption terminal equipment, the gate of what it was concrete can be POS, transformation, or vending machine.
In addition, consumption terminal management platform in the above embodiment of the present invention to perform the unified platform that multiple consumption terminal equipment carries out managing, application program in consumption terminal equipment, and the parameter relevant to this program, such as above-mentionedly forbid that the identification information of stored value card of concluding the business can be provided by consumption terminal management platform.For electronic wallet application platform, the payment management of its primary responsibility process stored value card and service management, such as generate and safeguard the identification information forbidding the stored value card of concluding the business, here forbid that the stored value card of concluding the business can comprise the SIM card of the mobile terminal reported the loss or the stored value card of usim card carrying, or be repeatedly performed for more than the stored value card of Spending Limit transaction, and can priority be limited, the stored value card of the SIM card of the mobile terminal reported the loss or usim card carrying is set to high priority, and the stored value card being performed for more than Spending Limit transaction is set to low priority, above-mentioned forbid conclude the business stored value card update of identification information after, can by interface synchronization to consumption terminal equipment, and further perform in register process or the test process that echoes will forbid that the identification information of the stored value card of concluding the business is handed down to consumption terminal equipment at consumption terminal equipment, the storage capacity of consumption terminal equipment different is in addition limited, possibly cannot store the complete identification information forbidding the stored value card of concluding the business, therefore in the use procedure of reality, can be determine a part higher for priority to be forbidden the identification information of the stored value card of concluding the business is handed down to consumption terminal equipment according to the storage capacity of consumption terminal equipment.
Embodiments provide a kind of specific implementation process of off line electronic-purse transaction, Fig. 6 is the transaction process flow schematic diagram of stored value card in the specific embodiment of the invention, as shown in Figure 6, comprises following step:
Step 201, consumption terminal device prompts user card punching are consumed, and namely prompting user uses the stored value card carried in mobile terminal SIM to pay, and mobile terminal is moved to the induction zone of consumption terminal equipment by user;
Step 202, owing to being provided with RFID function in SIM card, therefore the SIM card of consumption terminal equipment and mobile terminal carries out contactless instruction interaction, and the request of initiation uses the electronic wallet application in SIM card;
Step 203, SIM card start the application program of stored value card, and by the application sequence of this stored value card number mark, type identification, version number, sequence number, enable and send to date, date of expiration etc. consumption terminal equipment;
Step 204, consumption terminal equipment, according to the information obtained in above-mentioned steps 203, are verified the validity of stored value card, such as, are verified whether this stored value card is in date of expiration at present, and perform step 205 after being verified;
Step 205, consumption terminal equipment is according to the application sequence of the stored value card obtained in step 203 number mark, and the above-mentioned stored value card of the identification information judgment of stored value card of forbidding concluding the business obtained in advance could be concluded the business, forbid that the identification information of the stored value card of concluding the business is the application sequence identification list forbidding the stored value card of concluding the business in this concrete step, if the application sequence number of stored value card obtained in step 203 is identified at and above-mentionedly forbids in the application sequence identification list of the stored value card of concluding the business, then this stored value card is unavailable, directly to close the trade flow process, otherwise perform step 206,
Step 206, consumption terminal equipment send instruction to PSAM card, and notice selects electronic wallet application;
Step 207, PSAM card return the information such as consumption cipher key index number to consumption terminal equipment;
Step 208, consumption terminal equipment send the request of reading this consumption terminal identiflication number to PSAM card;
Step 209, PSAM return consumption terminal identiflication number;
Step 210, consumption terminal equipment initiate to SIM card the request message reading subscriber consumption limit;
Step 211, SIM card return subscriber consumption limit to consumption terminal equipment;
Step 212, consumption terminal equipment are when judging that target consumer amount is greater than described subscriber consumption limit, and display reminding information on consumption terminal equipment, points out user to input password;
Step 213, user are by the input through keyboard password of consumption terminal equipment;
The above-mentioned password received is sent to the SIM card on mobile terminal by step 214, consumption terminal equipment;
Step 215, SIM card are verified the above-mentioned password received and the Spending Limit password prestored, concrete can be store Spending Limit password in the application program of SIM card, it can preset in the application program of primary electron wallet, and mobile terminal can be modified on mobile terminals by STK menu, if the two is inconsistent, exit, if consistent, perform step 216;
Step 216, SIM card return the result to consumption terminal equipment, and namely message is passed through in password authentification;
Step 217, consumption terminal equipment initiate consumption initiating request message to SIM card, comprise target consumer amount;
After step 218, SIM card receive above-mentioned request message, if when judging that target consumer amount is greater than subscriber consumption limit, can be confirmed whether further to have carried out password authentification, this step is optional step, and this step can be stopped consumption terminal equipment when not performing step 212 and directly initiate consumption initiating request message to when the password authentification of step 216;
Step 219, SIM card return consumption initialization response message to consumption terminal equipment, and this response message can comprise remaining sum, offline transaction sequence number, key version number, pseudo random number, algorithm mark etc.If simultaneously Sorry, your ticket has not enough value, then return the prompting that Sorry, your ticket has not enough value and show on consumption terminal equipment;
Step 220, consumption terminal equipment send a request message to PSAM card, and request calculates first medium access control mark, i.e. MAC1;
MAC1 calculated by step 221, PSAM calorimeter, and returns consumption terminal offline transaction sequence number to consumption terminal equipment, and above-mentioned MAC1;
Step 222, consumption terminal equipment send consumer sale request message to SIM card.Wherein carry MAC1;
Whether step 223, SIM card checking MAC1 correct, calculate simultaneously MAC2 and transaction authentication code (Transaction Authenticate Code, hereinafter referred to as: TAC), generate transaction record.If to MAC1 authentication failed, then return error condition, and process ends;
Step 224, SIM card return MAC2 and TAC to consumption terminal equipment.In addition, if consumption terminal equipment does not receive above-mentioned MAC2 and TAC returned, then can start and prevent pulling out flow process;
Step 225, consumption terminal equipment are to PSAM card request verification MAC2;
Step 226, PSAM card verification MAC2, and to consumption terminal equipment back-checking result, if check errors, then return error condition to consumption terminal equipment, and carry out corresponding error handle.
One of ordinary skill in the art will appreciate that: all or part of step realizing above-mentioned each embodiment of the method can have been come by the hardware that programmed instruction is relevant.Aforesaid program can be stored in a computer read/write memory medium.This program, when performing, performs the step comprising above-mentioned each embodiment of the method; And aforesaid storage medium comprises: ROM, RAM, magnetic disc or CD etc. various can be program code stored medium.
Last it is noted that above each embodiment is only in order to illustrate technical scheme of the present invention, be not intended to limit; Although with reference to foregoing embodiments to invention has been detailed description, those of ordinary skill in the art is to be understood that: it still can be modified to the technical scheme described in foregoing embodiments, or carries out equivalent replacement to wherein some or all of technical characteristic; And these amendments or replacement, do not make the essence of appropriate technical solution depart from the scope of various embodiments of the present invention technical scheme.
Claims (11)
1. a transaction processing method for stored value card, is characterized in that, comprising:
Consumption terminal equipment obtains the application sequence identification list of the stored value card forbidding concluding the business from consumption terminal management platform and stores;
Consumption terminal equipment receives the transaction request message sending the application sequence number mark comprising stored value card from usim card or SIM card;
Consumption terminal equipment, when stored value card according to the application sequence identity validation of described stored value card does not belong to the stored value card forbidding concluding the business, carries out transaction processing according to described transaction request message;
Wherein, describedly forbid that the application sequence identification list of stored value card of concluding the business arranges from high to low according to the priority of stored value card, consumption terminal management platform determines that according to the storage capacity of consumption terminal equipment the application sequence identification list of a stored value card part higher for priority being forbidden concluding the business is handed down to consumption terminal equipment; Describedly forbid that the stored value card of concluding the business comprises the stored value card of the SIM card of the mobile terminal reported the loss or usim card carrying and/or is repeatedly performed for more than the stored value card of Spending Limit transaction, described in the priority of the SIM card of mobile terminal of reporting the loss or the stored value card of usim card carrying higher than the described priority exceeding the stored value card of Spending Limit transaction.
2. the transaction processing method of stored value card according to claim 1, is characterized in that, described according to the application sequence identity validation of described stored value card stored value card do not belong to forbid conclude the business stored value card be specially:
Confirm that the application sequence number mark of the stored value card that described transaction request message comprises is forbidden in the application sequence identification list of the stored value card of concluding the business one described in not belonging to.
3. the transaction processing method of stored value card according to claim 1, is characterized in that, described consumption terminal equipment obtains the stored value card forbidding concluding the business application sequence identification list from consumption terminal management platform comprises:
Consumption terminal obtains the application sequence identification list forbidding the stored value card of concluding the business in the process of registering or the test process that echoes from consumption terminal management platform.
4. the transaction processing method of stored value card according to claim 1, is characterized in that, also comprises:
Electronic wallet application platform generates and safeguards the application sequence identification list forbidding the stored value card of concluding the business, and described forbid that the application sequence identification list of the stored value card of concluding the business occurs to upgrade time, will forbid that the application sequence identification list of stored value card of concluding the business sends to consumption terminal management platform after upgrading.
5. according to the transaction processing method of the arbitrary described stored value card of claim 1-4, it is characterized in that, describedly carry out transaction processing according to described transaction request message and comprise:
Consumption terminal equipment reads subscriber consumption limit from the SIM or usim card of carrying stored value card, and when judging that target consumer amount is greater than described subscriber consumption limit, receiving password that user inputted by input equipment and sending to SIM card or the usim card of described carrying stored value card;
The password authentification of SIM card or usim card transmission that consumption terminal equipment receives carrying stored value card is by carrying out transaction processing after message.
6. a consumption terminal equipment, is characterized in that, comprising:
First acquisition module, for obtaining the application sequence identification list of the stored value card forbidding concluding the business from consumption terminal management platform and storing; Wherein, describedly forbid that the application sequence identification list of stored value card of concluding the business arranges from high to low according to the priority of stored value card, described consumption terminal management platform determines that according to the storage capacity of described consumption terminal equipment the application sequence identification list of a stored value card part higher for priority being forbidden concluding the business is handed down to described consumption terminal equipment; Describedly forbid that the stored value card of concluding the business comprises the stored value card of the SIM card of the mobile terminal reported the loss or usim card carrying and/or is repeatedly performed for more than the stored value card of Spending Limit transaction, described in the priority of the SIM card of mobile terminal of reporting the loss or the stored value card of usim card carrying higher than the described priority exceeding the stored value card of Spending Limit transaction;
Memory module, for forbidding the application sequence identification list of the stored value card of concluding the business described in storing;
First receiver module, for receiving the transaction request message sending the application sequence number mark comprising stored value card from usim card or SIM card;
Trade processing module, during for not belonging to the stored value card forbidding concluding the business at stored value card according to the application sequence identity validation of described stored value card, carries out transaction processing according to described transaction request message.
7. consumption terminal equipment according to claim 6, is characterized in that, described trade processing module comprises:
First confirmation unit, for confirming that the application sequence number mark of the stored value card that described transaction request message comprises is forbidden in the application sequence identification list of the stored value card of concluding the business one described in not belonging to;
First transaction handling unit, for carrying out transaction processing according to described transaction request message.
8. consumption terminal equipment according to claim 6, is characterized in that, described first acquisition module specifically for obtaining the application sequence identification list forbidding the stored value card of concluding the business in the process of registering or the test process that echoes from consumption terminal management platform.
9. the consumption terminal equipment according to claim 6,7 or 8, is characterized in that, also comprise:
First sending module, for reading subscriber consumption limit from the SIM or usim card of carrying stored value card, and when judging that target consumer amount is greater than described subscriber consumption limit, receiving password that user inputted by input equipment and sending to SIM card or the usim card of described carrying stored value card;
Second receiver module, the password authentification that SIM card or usim card for receiving carrying stored value card send by message, and indicates described trade processing module to carry out transaction processing.
10. the transaction processing system of a stored value card, it is characterized in that, comprise consumption terminal equipment, consumption terminal management platform and mobile terminal device, described mobile terminal device is provided with SIM card or the usim card of carrying stored value card, described consumption terminal equipment is used for obtaining the application sequence identification list of the stored value card forbidding transaction from consumption terminal management platform and storing, and for receiving the transaction request message of the application sequence the comprising stored value card number mark sent from usim card or SIM card, and when usim card according to the application sequence identity validation of described stored value card or SIM card carrying stored value card do not belong to the stored value card forbidding concluding the business, transaction processing is carried out according to described transaction request message,
Wherein, describedly forbid that the application sequence identification list of stored value card of concluding the business arranges from high to low according to the priority of stored value card, consumption terminal management platform determines that according to the storage capacity of consumption terminal equipment the application sequence identification list of a stored value card part higher for priority being forbidden concluding the business is handed down to consumption terminal equipment; Describedly forbid that the stored value card of concluding the business comprises the stored value card of the SIM card of the mobile terminal reported the loss or usim card carrying and/or is repeatedly performed for more than the stored value card of Spending Limit transaction, described in the priority of the SIM card of mobile terminal of reporting the loss or the stored value card of usim card carrying higher than the described priority exceeding the stored value card of Spending Limit transaction.
The transaction processing system of 11. stored value cards according to claim 10, it is characterized in that, also comprise electronic wallet application platform, the application sequence identification list of the stored value card of concluding the business forbidden by described electronic wallet application platform for generating and safeguarding, and described forbid conclude the business stored value card application sequence identification list occur upgrade time, to forbid that the application sequence identification list of stored value card of concluding the business sends to consumption terminal management platform after described renewal, described consumption terminal management platform specifically for obtaining the application sequence identification list forbidding the stored value card of concluding the business in the process of registering or the test process that echoes from consumption terminal management platform.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210002168.7A CN102779374B (en) | 2012-01-05 | 2012-01-05 | The transaction processing method of stored value card and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210002168.7A CN102779374B (en) | 2012-01-05 | 2012-01-05 | The transaction processing method of stored value card and system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN102779374A CN102779374A (en) | 2012-11-14 |
| CN102779374B true CN102779374B (en) | 2015-08-19 |
Family
ID=47124282
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201210002168.7A Active CN102779374B (en) | 2012-01-05 | 2012-01-05 | The transaction processing method of stored value card and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN102779374B (en) |
Families Citing this family (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104616152A (en) * | 2015-01-16 | 2015-05-13 | 惠州Tcl移动通信有限公司 | Method for preventing excessive consumption and electronic device |
| CN106257519A (en) * | 2016-08-03 | 2016-12-28 | 四川易想电子商务有限公司 | A kind of network safe transaction system |
| CN110832520A (en) * | 2018-06-07 | 2020-02-21 | 北京光合信诚科技有限公司 | Transaction method, hardware wallet and transaction equipment |
| WO2019232764A1 (en) * | 2018-06-07 | 2019-12-12 | 北京光合信诚科技有限公司 | Transaction method, hardware wallet and transaction device |
| CN109598502A (en) * | 2018-11-28 | 2019-04-09 | 珠海市珠海通科技有限公司 | A kind of bus card settlement of transactions management system and its method |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1674686A (en) * | 2004-03-25 | 2005-09-28 | 国际商业机器公司 | Wireless service purchasing system |
| CN102005088A (en) * | 2010-11-08 | 2011-04-06 | 中国电信股份有限公司 | Non-contact payment method, system and mobile terminal based on electronic wallet |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2001188848A (en) * | 2000-01-05 | 2001-07-10 | Toshiba Tec Corp | Electronic account settlement system |
-
2012
- 2012-01-05 CN CN201210002168.7A patent/CN102779374B/en active Active
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1674686A (en) * | 2004-03-25 | 2005-09-28 | 国际商业机器公司 | Wireless service purchasing system |
| CN102005088A (en) * | 2010-11-08 | 2011-04-06 | 中国电信股份有限公司 | Non-contact payment method, system and mobile terminal based on electronic wallet |
Also Published As
| Publication number | Publication date |
|---|---|
| CN102779374A (en) | 2012-11-14 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106327175B (en) | Mobile payment application architecture | |
| EP2771978B1 (en) | System and method for presentation of multiple nfc credentials during a single nfc transaction | |
| CA2837491C (en) | System and method of loading a transaction card and processing repayment on a mobile device | |
| CN104182874B (en) | Multi-use card device, system and card information loading method | |
| US20130067216A1 (en) | In-market personalization of payment devices | |
| EP3407282A1 (en) | System and method for performing a transaction responsive to a mobile device | |
| US20080306849A1 (en) | Methods, systems and computer program products for interacting with ISO 14443-4 and MIFARE applications on the same wireless smart device during a common transaction | |
| US20070078781A1 (en) | Information access control | |
| KR101161778B1 (en) | System for paying pos using near field communication | |
| CN104813349A (en) | Wireless reader and payment transaction terminal functionality | |
| EP2731065A1 (en) | Method for processing a payment, and system and electronic device for implementing the same | |
| CN102779374B (en) | The transaction processing method of stored value card and system | |
| CN104838398A (en) | System and method for secure remote access and remote payment using a mobile device and a powered display card | |
| US10257697B2 (en) | Systems and methods for product activation | |
| US20210004806A1 (en) | Transaction Device Management | |
| US11887022B2 (en) | Systems and methods for provisioning point of sale terminals | |
| CN104680371A (en) | Card-free transaction processing method and system | |
| CN101872454A (en) | Sales terminal transaction processing method, equipment and mobile terminal transaction processing method | |
| KR101250387B1 (en) | Method for Usage Point using Settlement Terminal, Settlement Terminal | |
| JP2015525383A (en) | System and method for conducting transactions | |
| CN105103180B (en) | Method for handling the distribution of mobile credit card | |
| CN108292400A (en) | It updates the method and system of contact type intelligent card and executes the computer-readable medium of the method | |
| KR101323655B1 (en) | Method for Operating Coupon | |
| KR101245257B1 (en) | System for paying security using mobile phone and method therefor | |
| Pourghomi et al. | Trusted integration of cloud-based NFC transaction players |
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 |