CN101183469B - Method for forbidding mobile terminal electronic purse function by payment platform - Google Patents
Method for forbidding mobile terminal electronic purse function by payment platform Download PDFInfo
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- CN101183469B CN101183469B CN2006101387271A CN200610138727A CN101183469B CN 101183469 B CN101183469 B CN 101183469B CN 2006101387271 A CN2006101387271 A CN 2006101387271A CN 200610138727 A CN200610138727 A CN 200610138727A CN 101183469 B CN101183469 B CN 101183469B
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Abstract
The invention discloses a loss-report theftproof method for electronic wallet, which aim to resolve the problem in prior art that the electronic wallet can not be reported when losing; the invention comprises the following steps: (1) the user presents the loss application of electronic wallet to the pay platform; (2) the pay platform decides that the movable termination connected with the electronic wallet is on or not after verifying the user identity, when the termination is on, entering the step (3) and when the termination is down, entering the step (4); (3) the pay platform sends command to the movable termination to prohibit the electronic wallet and then the steps ends; (4) the pay platform looks up the ID of the electronic wallet in the inner records and then sets the ID illegal; (5) the pay platform sends command after deciding that the ID of the electronic wallet reported by the movable termination is illegal when the movable termination is on, and then prohibits the electronic wallet. The invention has the advantages of enabling the user to present the loss application of electronic wallet to the pay platform, therefore the theftproof reliability of the electronic wallet is ensured.
Description
Technical field
The present invention relates to the method for reporting the loss in the electronic transaction, particularly the method for loss report and anti-fraudulent use of stored value card.
Background technology
Along with technical progress, the raising of people's living standard, stored value card is as a kind of means of small amount payment, because it is portable, reliable, health, advantage such as keep the change, is widely used in city bus, urban track traffic, convenience store, government utility numerous areas such as pay the fees.
But in use there is the shortcoming that can not report the loss in stored value card: because card reader is an off-line trading, if lose stored value card, the user can not report the loss, and the remaining sum in the wallet can not returned to the user yet, and other people can normally use.The amount of stored value card was 20 yuan or 50 yuan in the past, and present amount reaches hundreds of unit even 1,000 yuan, and losing the loss that stored value card causes the user is to have avoided again.
The operating company of current each stored value card actively extending one's service the group, expand new application.But the existence meeting of above-mentioned defective greatly influences user's consumption confidence.
Summary of the invention
For defective and the deficiency that overcomes prior art, the technical problem to be solved in the present invention provides a kind of method of payment platform forbidding portable terminal electronic purse function, can after the user reports the loss stored value card, realize forbidding, improve the anti-reliability of usurping of stored value card the portable terminal electronic purse function.
In order to achieve the above object, the present invention is a kind of method of payment platform forbidding portable terminal electronic purse function, described stored value card adopts the double-interface card structure, and two communication channels of the outer existence of described double-interface card: wherein a communication channel is mutual by the IC-card reader of double-interface card antenna and outside; An other communication channel is connected by the electrical pickoff of card and the circuit of communication terminal;
Said method comprising the steps of:
(1) user reports the loss stored value card to the payment platform application;
(2) behind the payment platform identifying user identity, judge that whether the portable terminal that is connected with stored value card starts shooting, if start shooting, then enters step (3); If start does not then enter step (4);
(3) payment platform sends instruction to this portable terminal, forbids this stored value card, and step finishes;
(4) payment platform is searched the ID of this stored value card of its internal record, and is changed to this ID illegal;
(5) behind this mobile terminal-opening, payment platform judges that the stored value card ID of mobile terminal reporting is that illegal back sends instruction, forbids this stored value card.
Preferably, described step (3) is specially:
(31) payment platform sends the instruction of reading balance amount to this portable terminal;
(32) portable terminal returns to payment platform with the remaining sum in the stored value card;
(33) payment platform sends the instruction of this stored value card of forbidding to portable terminal;
(34) portable terminal carries out disable process according to the instruction of receiving to this stored value card.
Preferably, described step (5) is specially:
(51) behind this mobile terminal-opening, read the ID of stored value card, and this ID is sent to payment platform;
(52) legitimacy of this ID of payment platform verification, if legal, step finishes; If illegal, then enter step (53);
(53) payment platform sends the instruction of reading balance amount to this portable terminal;
(54) portable terminal returns to payment platform with the remaining sum in the stored value card;
(55) payment platform sends the instruction of this stored value card of forbidding to portable terminal;
(56) portable terminal carries out disable process according to the instruction of receiving to this stored value card.
Preferably, the instruction of described this stored value card of forbidding is: the remaining sum clear command or the lock instruction of stored value card;
Describedly stored value card is carried out disable process be: the remaining sum of stored value card is carried out the processing of zero clearing or locked this stored value card.
After adopting above-mentioned method, the user can report the loss processing to the payment platform application, payment platform is after the identity of confirming the user, by instruction stored value card is arranged to disabled status, make other users can't use this stored value card, improved the anti-reliability of usurping of stored value card, the loss of having avoided losing electronic purse customer.
Description of drawings
Fig. 1 is the structural drawing of stored value card double-interface card among the present invention;
Fig. 2 is the johning knot composition of stored value card among the present invention and portable terminal;
The process flow diagram that Fig. 3 reports the loss for stored value card among the present invention;
Fig. 4 is for being connected with the mobile terminal-opening process flow diagram of stored value card among the present invention.
Embodiment
Below in conjunction with accompanying drawing the specific embodiment of the present invention is described in further detail.
As shown in Figure 1, double-interface card structure for stored value card of the present invention, stored value card of the present invention comprises ROM, RAM and EEPROM and CPU (central processing unit) and the electrical pickoff that links to each other with mobile terminal circuit, wherein, ROM is provided with the operation code of conserving card, the ephemeral data of RAM conserving card generation in service, EEPROM are deposited information such as the amount of money, transaction record of wallet.Two communication channels of the outer existence of double-interface card: on the one hand can be mutual by the IC-card reader of double-interface card antenna and outside, realize that paying waits operation, terminal antenna can communicate (as shown in Figure 2) alternately with payment platform; On the other hand, the electrical pickoff of card can be connected with the circuit of communication terminal, utilizes the display screen realization stored value card relevant information of portable terminal to browse.
Wherein, the activities such as data-switching, encryption, transmission and storage in each stage of mobile payment can be handled, and accuracy, integrality, validity, security and the non repudiation of process of exchange can be guaranteed at the process payment platform of paying.Transaction between assurance user and the businessman is reliably carried out, and open API and interface protocol is provided, and possesses the management function to account, and functions such as network management, error correction, statistics are provided.The service provider provides service to the user, and the service provider of indication comprises bank and businessman here.Businessman provides service to the user, and therefore the user pays to businessman; Bank finishes the allocation of the funds between user and the businessman according to the information of payment platform.General wireless connections, the general wired connection that adopts between mobile payment platform and the service provider of adopting between above-mentioned communication terminal and the payment platform.
As shown in Figure 2, the structure that is connected with portable terminal for stored value card, user of the present invention can be by the operation at portable terminal, send the request that stored value card is reported the loss by terminal antenna to payment platform, behind the payment platform identifying user identity, send the instruction of reading balance amount to the portable terminal that is connected with stored value card, CPU receives instruction back reading balance amount from EEPROM, and this remaining sum sent to payment platform, payment platform is sending the zero clearing or the instruction of locking EEPROM locking or the remaining sum zero clearing that it is inner with stored value card.
As shown in Figure 3, the flow process for stored value card of the present invention is reported the loss may further comprise the steps:
(301) after user's stored value card is lost, report the loss stored value card to the payment platform application;
(302) payment platform need be verified user's identity,
(303) after affirmation user's the identity, payment platform judges that whether the portable terminal that is connected with stored value card starts shooting, if start shooting, then enters step (304); If start does not then enter step (305);
(304) payment platform sends instruction to this portable terminal, forbids this stored value card, and step finishes;
Wherein, as further preferred, step (304) specifically is refined as:
(A) payment platform sends the instruction of reading balance amount to this portable terminal;
(B) portable terminal returns to payment platform with the remaining sum in the stored value card;
(C) payment platform sends the instruction of this stored value card of forbidding to portable terminal;
(D) portable terminal carries out disable process according to the instruction of receiving to this stored value card.
(305) payment platform is searched the ID of this stored value card of its internal record, and is changed to this ID illegal;
(306) behind this mobile terminal-opening, report the ID of this illegal stored value card to give payment platform;
(307) payment platform judges that the stored value card ID of mobile terminal reporting is that illegal back sends instruction, forbids this stored value card.
Wherein, the concrete refinement of this stored value card of transmission instruction forbidding is consistent with the concrete refinement of step (304) in the step (307).
Wherein, above-mentioned forbidding stored value card is handled and can electronic purse balance amount be revised as zero by the mode of zero clearing, or the locking stored value card, makes card reader can not read and write stored value card.
After reporting the loss the processing end, payment platform can or be reissued new stored value card with user's striking a balance, if after having other people to use the stored value card of this loss, what point out on the card reader is " Sorry, your ticket has not enough value " or " disabled user ".
As shown in Figure 4, the mobile terminal-opening flow process for the present invention is connected with stored value card may further comprise the steps:
(401) move start, communication terminal reads the ID of stored value card, sends to payment platform;
(402) legitimacy of payment platform verification ID, if legal, then by verification, checking procedure finishes; The user can use stored value card; If illegal, enter step (403);
(403) payment platform sends zero clearing or lock instruction to portable terminal;
(404) portable terminal is revised as 0 (perhaps lock stored value card, make the not read-write stored value card of card reader) with electronic purse balance amount.
Like this, when other people use stored value card, card reader prompting " Sorry, your ticket has not enough value " or " disabled user ".
User of the present invention can report the loss processing to the payment platform application, payment platform is after the identity of confirming the user, by instruction stored value card is arranged to disabled status, make other users can't use this stored value card, improved the anti-reliability of usurping of stored value card, the loss of having avoided losing electronic purse customer.
Claims (4)
1. the method for a payment platform forbidding portable terminal electronic purse function is characterized in that,
Described stored value card adopts the double-interface card structure, and two communication channels of the outer existence of described double-interface card: wherein a communication channel is mutual by the IC-card reader of double-interface card antenna and outside; An other communication channel is connected by the electrical pickoff of card and the circuit of communication terminal;
Said method comprising the steps of:
(1) user reports the loss stored value card to the payment platform application;
(2) behind the payment platform identifying user identity, judge that whether the portable terminal that is connected with stored value card starts shooting, if start shooting, then enters step (3); If start does not then enter step (4);
(3) payment platform sends instruction to this portable terminal, forbids this stored value card, and step finishes;
(4) payment platform is searched the ID of this stored value card of its internal record, and is changed to this ID illegal;
(5) behind this mobile terminal-opening, payment platform judges that the stored value card ID of mobile terminal reporting is that illegal back sends instruction, forbids this stored value card.
2. in accordance with the method for claim 1, it is characterized in that described step (3) is specially:
(31) payment platform sends the instruction of reading balance amount to this portable terminal;
(32) portable terminal returns to payment platform with the remaining sum in the stored value card;
(33) payment platform sends the instruction of this stored value card of forbidding to portable terminal;
(34) portable terminal carries out disable process according to the instruction of receiving to this stored value card.
3. in accordance with the method for claim 2, it is characterized in that described step (5) is specially:
(51) behind this mobile terminal-opening, read the ID of stored value card, and this ID is sent to payment platform;
(52) legitimacy of this ID of payment platform verification, if legal, step finishes; If illegal, then enter step (53);
(53) payment platform sends the instruction of reading balance amount to this portable terminal;
(54) portable terminal returns to payment platform with the remaining sum in the stored value card;
(55) payment platform sends the instruction of this stored value card of forbidding to portable terminal;
(56) portable terminal carries out disable process according to the instruction of receiving to this stored value card.
4. according to claim 2 or 3 described methods, it is characterized in that,
The instruction of described this stored value card of forbidding is: the remaining sum clear command or the lock instruction of stored value card; Describedly stored value card is carried out disable process be: the remaining sum of stored value card is carried out the processing of zero clearing or locked this stored value card.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2006101387271A CN101183469B (en) | 2006-11-14 | 2006-11-14 | Method for forbidding mobile terminal electronic purse function by payment platform |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2006101387271A CN101183469B (en) | 2006-11-14 | 2006-11-14 | Method for forbidding mobile terminal electronic purse function by payment platform |
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| Publication Number | Publication Date |
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| CN101183469A CN101183469A (en) | 2008-05-21 |
| CN101183469B true CN101183469B (en) | 2011-04-06 |
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| CN2006101387271A Active CN101183469B (en) | 2006-11-14 | 2006-11-14 | Method for forbidding mobile terminal electronic purse function by payment platform |
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Families Citing this family (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101499190B (en) * | 2008-01-31 | 2010-12-01 | 中国移动通信集团公司 | Security management method, system and apparatus for electronic purse |
| CN101794421A (en) * | 2010-02-05 | 2010-08-04 | 中兴通讯股份有限公司 | System, near field communication (NFC) terminal and method for realizing electronic payment security |
| CN102307344A (en) * | 2011-04-27 | 2012-01-04 | 武汉天喻信息产业股份有限公司 | Air card-locking method for mobile phone wallet |
| US8676709B2 (en) * | 2012-07-31 | 2014-03-18 | Google Inc. | Merchant category codes in a proxy card transaction |
| CN102945334A (en) * | 2012-09-30 | 2013-02-27 | 潘铁军 | Safety equipment with virtual on-chip operating system, safety device with virtual on-chip operating system, systems and methods |
| CN103218714A (en) * | 2013-03-13 | 2013-07-24 | 北京宏基恒信科技有限责任公司 | Protection method, system, protection device and auxiliary server of electronic cash transaction |
| CN103198404A (en) * | 2013-04-10 | 2013-07-10 | 深圳市国民电子商务有限公司 | Phone wallet loss reporting method based on short messages and system thereof |
| CN104715368A (en) * | 2013-12-16 | 2015-06-17 | 中国移动通信集团公司 | Method, device, system and relevant equipment for logging out electronic wallet |
| CN105323746B (en) * | 2014-06-20 | 2019-01-22 | 中国电信股份有限公司 | A kind of method that realizing safety management, terminal, platform and system |
| CN105225105A (en) * | 2015-09-24 | 2016-01-06 | 广东欧珀移动通信有限公司 | The method for security protection that NFC pays and system |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1717082A (en) * | 2004-07-02 | 2006-01-04 | 乐金电子(中国)研究开发中心有限公司 | Anti-theft method and system of mobile communication terminal |
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Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN1717082A (en) * | 2004-07-02 | 2006-01-04 | 乐金电子(中国)研究开发中心有限公司 | Anti-theft method and system of mobile communication terminal |
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