CN101388123A - Charging method for mobile electronic purse and terminal and system of the mobile electronic purse - Google Patents
Charging method for mobile electronic purse and terminal and system of the mobile electronic purse Download PDFInfo
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- CN101388123A CN101388123A CNA2007101216728A CN200710121672A CN101388123A CN 101388123 A CN101388123 A CN 101388123A CN A2007101216728 A CNA2007101216728 A CN A2007101216728A CN 200710121672 A CN200710121672 A CN 200710121672A CN 101388123 A CN101388123 A CN 101388123A
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Abstract
The invention relates to charging process of a mobile electronic wallet, a mobile electronic wallet terminal and a system thereof. A terminal side charging process comprises generating a charging triggering event, sending a charging instruction when the balance of the electronic wallet is lower than the threshold value, and adding the balance after receiving the notice of success charging. A service network side charging process comprises obtaining a charging instruction, collecting data required by the charging, generating a withholding detain instruction to send to a charging account system, conducting the withholding detain after checking ID of charging account and withholding detain codes, and returning the notices of withholding detain success or failures to a mobile terminal. The mobile electronic wallet terminal executing the charging processes comprises a trading module, a charging module and a communication module. And the mobile electronic wallet system executing the charging processes comprises a consumption trading module, a charging triggering module, a charging operation module, a storage module and a charging account module. The invention reduces the operations of users in the charging process, eliminates inconveniences caused by insufficient balance when in consuming, and improving the use experience of users.
Description
Technical field
The present invention relates to mobile electron wallet recharge method and mobile electron wallet terminal and system, relate in particular to the method and the mobile electron wallet terminal and the system that can realize this recharge method of mobile electron wallet business realizing automatic value-charging.
Background technology
Mobile electron wallet business is a kind of mobile payment mode based on radio-frequency (RF) identification (RadioFrequency Identification is hereinafter to be referred as RFID) technology that provides for mobile phone users, mainly is applicable to small amount payment.The user is by being stored in integration, mileage, electronic money etc. on integrated circuit (IC) card, this IC-card can further be integrated in the portable terminal again, for example be integrated in cell phone apparatus, telecommunications card equipment, pluggable storage card, SIM card, USD card or USCC card on mobile phone, or its combination in any and then be formed on the integration/mileage/cash account of mobile terminal side, be referred to as e-wallet account, thereby the user can utilize in online point of sale portable terminal to consume in the noncontact mode.
E-wallet account must just can possess the consumption remaining sum by behind the actual account charging of user on backstage, and the mode that the user can pass through air download technology (Over-the-Air Technology, abbreviation OTA) is finished and supplemented with money.General employing user initiatively supplements mode with money, promptly when the user need supplement with money, imports user's the account number of supplementing with money earlier, filled account number, and supplemented with money password, after the network side checking is passed through, to supplementing the account balance deduction of being correlated with money, and by modifying of order stored value card account balance.But the operation that this initiatively mode of supplementing with money requires the user to participate in is too many, and when the user finds in time that Sorry, your ticket has not enough value and when supplementing with money, bring restriction will for consumption next time, this is to the user experience profit of making troubles.
Summary of the invention
Fundamental purpose of the present invention is to provide a kind of mobile electron wallet recharge method by some specific embodiments, and the user when reducing mobile electron wallet account charging participates in step, improves the user experience effect.
Another object of the present invention is to provide another kind of mobile electron wallet recharge method by other specific embodiments, and the user when reducing mobile electron wallet account charging participates in step, improves the user experience effect.
A further object of the present invention is to provide a kind of mobile electron wallet terminal by some specific embodiments again, and the user when reducing mobile electron wallet account charging participates in step, improves the user experience effect.
Another purpose of the present invention is to provide a kind of mobile electron wallet system by other specific embodiment, and the user when reducing mobile electron wallet account charging participates in step, improves the user experience effect.
For realizing fundamental purpose of the present invention, provide a kind of mobile electron wallet recharge method by some embodiment, comprise the steps:
Monitor and produce the trigger event of supplementing with money;
Inquiry e-wallet account remaining sum, and judge whether the e-wallet account remaining sum is lower than the remaining sum minimum threshold, if then send and supplement instruction with money;
Reception recharging result notice if the recharging result notice is the notice of successful recharging, then increases mobile electron wallet account balance.
Technique scheme is the e-wallet account recharge method that the e-wallet account terminal is carried out, need not the user and participate in supplementing with money operation, make the user avoid that Sorry, your ticket has not enough value limits its consumer sale because of e-wallet account, and the user need not manually to supplement with money, removed the trouble of the memory recharging account sign and the password of withholing from, user's experience improves.
For realizing another object of the present invention, provide another kind of mobile electron wallet recharge method by other embodiment, comprise the steps:
The stored value card service platform obtains to supplement with money instruction;
The stored value card service platform is gathered the user ID of supplementing account with money and the password of withholing from local data base, generate the instruction of withholing, and will supplement the user ID of account with money and withhold password setting in the parameter of instruction of withholing;
Transmission is withholdd instruction to supplementing the account system with money;
Reception is withholdd and is responded notice, and it is transmitted to mobile electron wallet terminal as the recharging result notice.
Technique scheme is the e-wallet account recharge method that stored value card service platform side is carried out, realized the automatic value-charging function of e-wallet account, need not the user and participate in supplementing with money operation, make the user avoid that Sorry, your ticket has not enough value limits its consumer sale because of e-wallet account, and the user need not manually to supplement with money, removed the trouble of the memory recharging account sign and the password of withholing from, user's experience improves.
Be to realize a further object of the present invention, provide a kind of mobile electron wallet terminal, comprising by some embodiment again:
First module is used to handle the consumer sale data, and is used to preserve the e-wallet account remaining sum;
Second module is used for obtaining the data that transaction is operated from first module, and instruction is supplemented in generation with money according to the e-wallet account remaining sum;
Three module is used to transmit instruction or the information that second module is sent.
The e-wallet account terminal of technique scheme can realize the e-wallet account automatic value-charging, need not the user and participate in supplementing with money operation, make the user avoid that Sorry, your ticket has not enough value limits its consumer sale because of e-wallet account, and the user need not manually to supplement with money, removed the trouble of the memory recharging account sign and the password of withholing from, user's experience improves.
For realizing another purpose of the present invention, provide a kind of mobile electron wallet system by other embodiment, comprising:
First module is used to handle the consumer sale data, and is used for storage and upgrades the e-wallet account remaining sum;
Second module is used for obtaining the e-wallet account remaining sum of first module, and produces according to the e-wallet account remaining sum when the automatic value-charging trigger event produces and supplement instruction with money;
Three module is used to receive the instruction of supplementing with money of second module transmission, and obtains from four module and supplement desired data with money, sends the instruction of withholing to the 5th module, supplement operation with money, and the result that withholds that will receive sends as recharge notification;
Four module is electrically connected with three module, is used to store supplement required data with money;
The 5th module is used to receive the instruction of withholing that three module sends, the operation of withholing, and reply the result that withholds.
The e-wallet account system of technique scheme has realized the e-wallet account automatic value-charging, need not the user and participate in supplementing with money operation, make the user avoid that Sorry, your ticket has not enough value limits its consumer sale because of e-wallet account, and the user need not manually to supplement with money, removed the trouble of the memory recharging account sign and the password of withholing from, user's experience improves.
By above technical scheme as can be known, the present invention adopts mobile electron wallet system, when monitoring the generation of automatic value-charging trigger event, the technological means that the instruction initiation is supplemented with money is supplemented in generation with money, overcome the user and need be careful account balance voluntarily, and active operation is initiated to supplement with money, thereby the technical matters of experience difference, having reduced the user needs the operation that participates in the automatic value-charging process, and has eliminated the user because of the not enough inconvenience of curbing consumption of account balance, has improved user's experience.
Also in conjunction with the accompanying drawings the present invention is described in further detail below by specific embodiment.
Description of drawings
Fig. 1 is the process flow diagram of mobile electron wallet recharge method one specific embodiment one of the present invention.
Fig. 2 is the process flow diagram of mobile electron wallet recharge method one specific embodiment two of the present invention.
Fig. 3 is the process flow diagram of mobile electron wallet recharge method two specific embodiments one of the present invention.
Fig. 4 is the process flow diagram of mobile electron wallet recharge method two specific embodiments two of the present invention.
Fig. 5 is the process flow diagram of mobile electron wallet recharge method two specific embodiments three of the present invention.
Fig. 6 is the structural representation of mobile electron wallet terminal specific embodiment of the present invention.
Fig. 7 is the structural representation one of mobile electron wallet of the present invention system specific embodiment.
Fig. 8 is the structural representation two of mobile electron wallet of the present invention system specific embodiment.
Among the figure:
1 Subscriber Interface Module SIM, 2 transaction modules 3 are supplemented module with money
4 communication modules, 5 security modules, 11 consumer sale modules
12 supplement trigger module 13 with money supplements operational module 14 memory modules with money
15 recharging account modules, 121 remaining sum detecting units, 122 comparing units
Embodiment
The embodiment one of mobile electron wallet recharge method one
Be illustrated in figure 1 as the process flow diagram of mobile electron wallet recharge method one specific embodiment one of the present invention, present embodiment comprises the steps:
Steps A 10, mobile electron wallet terminal monitor and produce the trigger event of supplementing with money;
Steps A 11, mobile electron wallet terminal inquiry e-wallet account remaining sum, and judge whether mobile electron wallet account balance is lower than the remaining sum minimum threshold, if, execution in step A12 then, otherwise this supplements EO with money;
The recharging result notice of steps A 13, reception mobile electron wallet service platform, if the recharging result notice is the notice of successful recharging, then execution in step A14 is the notice of supplementing failure with money if recharging result is notified, then the operating result of this automatic value-charging is an operation failure, execution in step A15;
Steps A 15, demonstration recharging result notice, soon operating result is presented at and offers the user on the display screen.
In the present embodiment, the automatic value-charging operation is what to be finished by the corresponding module in the mobile electron wallet terminal of the present invention, wherein a kind of specific implementation of mobile electron wallet terminal be comprise transaction modules, supplement module with money, security module, communication module and Subscriber Interface Module SIM, then the concrete implementation of each functional module is in the present embodiment:
The trigger event that steps A 101, generation mobile electron wallet are supplemented with money, this trigger event is that transaction modules is handled transaction event one time;
Steps A 102, supplement the module monitors completed information of once concluding the business in the transaction modules with money;
Steps A 111, supplement module inquiry mobile electron wallet account balance with money, and judge whether this e-wallet account remaining sum is lower than the remaining sum minimum threshold, if, execution in step A121 then, otherwise this supplements EO with money;
Steps A 121, supplement module with money and produce and to supplement instruction with money;
Steps A 123, communication module are supplemented this with money instruction and are sent to mobile electron wallet service platform;
Steps A 131, communication module receive the recharging result notice of mobile electron wallet service platform, if the recharging result notice is the notice of successful recharging, execution in step A141 then, if the recharging result notice is for supplementing the notice of failure with money, then the operating result of this automatic value-charging is an operation failure, execution in step A151;
Steps A 141, modification e-wallet account remaining sum promptly increase a default automatic value-charging amount on original remaining sum, then the operating result of this automatic value-charging is for to operate successfully;
Steps A 151, operating result is presented at offers the user on the display screen.
In above-mentioned steps A101, the trigger event of supplementing with money can also arrive for the time of setting of supplementing with money or supplement trigger event with money for other that set and take place.
Between above-mentioned steps A121 and A122, can further include and supplement module with money and supplement this with money instruction and send to the step of security module, supplement instruction with money and encrypt through security module, supplementing with money the instruction after then 122 corresponding execution security modules of steps A will be encrypted sends to the step of communication module.Increased and encrypted the step of supplementing instruction with money, can make the process of supplementing with money more reliable.Communication module is encrypted or unencrypted can be supplemented this with money instruction by the modes such as wireless mode of short message channel or GPRS (General Packet Radio Service) (General Packer RadioService is hereinafter to be referred as GPRS) after supplementing instruction with money and sent to mobile electron wallet service platform receiving.
Mobile electron wallet service platform receive supplement instruction with money after, can supplement with money according to the mobile electron wallet account of pre-configured parameter the user, then return the notice of successful recharging or failure, when returning failure notification, also can further comprise failure cause, then portable terminal can also be shown to the user with the reason of supplementing failure with money, and the mode that recharging result is offered the user is not limited to show on display screen, also can adopt other forms such as verbal announcement.
In the technical scheme of present embodiment, the user is can be by artificial speech mutual or go operator's service network the automatic value-charging function that mode is opened the mobile electron wallet such as to handle, recharging account information then, remaining sum minimum threshold and automatic value-charging amount information all pre-set, can be default value, the remaining sum minimum threshold that sets is stored on the mobile electron wallet terminal, recharging account information that sets and automatic value-charging amount information stores are on mobile electron wallet service platform, then when the e-wallet account remaining sum is lower than the remaining sum minimum threshold, just start the automatic value-charging function automatically, realized the purpose that mobile electron wallet terminal is supplemented with money automatically to e-wallet account, reduce the operation that the user participates in, improved user's experience.
On the basis of present embodiment one, consider from the security standpoint of automatic value-charging, can before instruction is supplemented in transmission with money, increase the step that the user confirms, promptly point out the user to input and supplement the affirmation password with money, portable terminal receives this password, and checking by after just transmission supplement instruction with money.This is supplemented with money and confirms that password can also can be the password of withholing for a password that is provided with in addition by terminal notifying user input.Before instruction was supplemented in transmission with money, the prompting user inputed this password and confirms that as supplementing with money password gets final product.Increase the step of the transmission of supplementing instruction with money being carried out password authentification, can make the automatic value-charging process safer, and after this portable terminal loses, also can avoid the automatic value-charging process to proceed, avoided user's loss.
In the technical scheme of present embodiment, consider from the angle of supplementing dirigibility with money, the automatic value-charging amount that once need supplement with money can pre-set and be stored on the electronic purse terminal, perhaps can be for pre-setting the amount that automatic value-charging will reach, i.e. automatic value-charging higher limit, terminal calculates according to the remaining sum of e-wallet account and automatic value-charging higher limit and supplements amount with money, and then the automatic value-charging amount can be sent to stored value card business service platform and preserve, perhaps with the automatic value-charging amount or calculate at every turn and the amount of supplementing with money be arranged on to supplement with money and send in the instruction, then with need not Attended Operation per family.Perhaps also can be before instruction be supplemented in each transmission with money, import the amount that this need be supplemented with money by the user, with the dirigibility that enhancing is supplemented with money, initiate automatically by terminal because of supplementing instruction with money simultaneously, also can play and exempt the trouble that the user often checks the e-wallet account remaining sum.
Equally, take into account the security and the convenience of automatic value-charging function, recharging account information, at least comprise user ID and the password of withholing can set in advance and is stored on the stored value card business service platform, can exempt the trouble that occurs when the user forgets recharging account information, the recharging account information that the stored value card service platform can help the user to give for change to be provided with.Recharging account information also can be stored on the mobile electron wallet terminal, and each the transmission supplemented with money when instructing, and is arranged on to supplement with money in the instruction by mobile electron wallet terminal to send; Be arranged on again after perhaps can also when supplementing with money, pointing out the user to import at every turn and supplement with money in the instruction, embodiment can be according to user's needs, perhaps require reliably to set according to information security, Cun Chu benefit not only can reduce the burden of stored value card service platform network side like this, and can satisfy the different demands of user to security and convenience.
Mobile electron wallet recharge method one embodiment two
Be illustrated in figure 2 as the process flow diagram of mobile electron wallet recharge method one specific embodiment two of the present invention, present embodiment is the performed automatic charging method of mobile electron wallet terminal, present embodiment is increasing the step of mobile electron wallet account being carried out before the user is using mobile electron wallet recharge method one embodiment one of the present invention first parameter configuration on the basis of the foregoing description one, comprising:
Step B10, mobile electron wallet terminal are that mobile electron wallet account binds recharging account, promptly point out recharging account information such as the user user ID of inputing recharging account and the password of withholing, receive the information of user's input then, and it is set to the user ID (ID) of recharging account and the password of withholing;
Step B11, with the user ID of described recharging account and the password of withholing, promptly the recharging account information setting is in the parameter of automatic value-charging register instruction;
Step B12, send the automatic value-charging register instruction to the stored value card service platform, the parameter of this automatic value-charging register instruction comprises the user ID and the password of withholing of the recharging account of above-mentioned setting at least, can further include remaining sum minimum threshold and automatic value-charging amount information etc. other with supplement the relevant information of operating with money;
Step B13, reception also show that further the automatic value-charging registration responds notice.
Present embodiment is opened in the step of e-wallet account automatic value-charging function, can be on mobile electron wallet terminal with the recharging account information stores, and be equipped with subsequent step and used, exempted the trouble that the user need repeatedly import recharging account information.Present embodiment can also further be provided with data such as remaining sum minimum threshold, automatic value-charging amount information, and send to stored value card business service platform and preserve so that follow-up supplementing with money in the operation used, can not send at this moment yet, only be kept on the mobile electron wallet terminal, when operation is supplemented in each execution with money, be arranged on and supplement transmission again in the instruction with money.Technique scheme has realized that the user opens the purpose of automatic value-charging function by mobile electron wallet terminal, has exempted the user and goes to outlet to open the time that the automatic value-charging function is delayed.
In the present embodiment, can further increase the parameter configuration of user's modification automatic value-charging function, and the step that increases user log off automatic value-charging function.The user ID of recharging account and the password of withholing, and remaining sum minimum threshold, automatic value-charging amount information etc. with supplement relevant data with money and can set according to user's needs, can provide the flexible control that automatic value-charging is operated for the user like this, be automatic value-charging operation setting remaining sum minimum threshold and automatic value-charging amount information, the user can be provided with according to the needs of self, both guaranteed that the remaining sum in the e-wallet account enough consumed, also avoid in the e-wallet account remaining sum too much, when lost terminal, cause greater loss; Be automatic value-charging operation setting recharging account information, make the user select recharging account according to the situation of oneself, recharging account can be a system of accounts of stored value card service platform side, information such as the storage integration or the amount of money, use for the user, also can be the savings account of bank or the integration account that certain trade company sets up for the user, the operation of withholing accordingly is exactly the operation of deducting integration, mobile electron wallet terminal is set up by stored value card service platform and bank savings account or the integration account of trade company and is got in touch, and supplements with money.Mobile electron wallet terminal can be stored on the mobile electron wallet terminal and/or send to the stored value card service platform and store behind the remaining sum minimum threshold and/or automatic value-charging amount information of recharging account information that receives user's input and/or e-wallet account.Store simultaneously in end side and network side, both can when forgetting information, give for change easily, also can increase the step that above-mentioned Information Authentication is examined, when instruction is supplemented in the transmission of mobile electron wallet terminal with money, the remaining sum minimum threshold and/or the automatic value-charging amount information that in supplementing instruction with money, comprise recharging account information and/or e-wallet account, the sub-wallet service platform of powering is checked with the corresponding data that is stored in network side, check by the time just carry out the operation of supplementing with money, can effectively improve the reliability and the accuracy of automatic value-charging operation like this; Only be stored on the mobile electron wallet terminal, then can alleviate the work load of stored value card service platform, the webserver be need not to change, need not to drop into improvement cost; Only be stored in stored value card service platform side, then when instruction is supplemented in transmission with money, can reduce the size of supplementing the director data bag with money, the bandwidth that then takies is little, and transfer efficiency improves, and has also avoided supplementing with money all sending the safety issue that personal information is brought at every turn.After the stored value card service platform has sent information, receive the response notice that the stored value card service platform sends in mobile electron wallet terminal,, illustrate that then above-mentioned information successfully sends if the response notice is successfully.And, before sending recharging account information and/or remaining sum minimum threshold and/or automatic value-charging amount information and/or automatic value-charging register instruction, also should carry out the operation of encryption, with the guarantee information safety of transmission.The scheme of above-mentioned setting and storage automatic value-charging parameter can be provided with according to user's selection, for different users provides different services, can effectively improve user's experience.
The detailed process that each functional module among the mobile electron wallet terminal embodiment of the present invention is carried out present embodiment parameter configuration step is: mobile electron wallet terminal is transmitted to the parameter that disposes by Subscriber Interface Module SIM and supplements module with money, supplement module with money and content of parameter is stored and/or sent to the security module encryption, after security module is encrypted, parameter is sent to communication module, communication module is dealt into the stored value card service platform by note or GPRS wireless mode, then also can further comprise receiving the notice whether automatic value-charging function that the stored value card service platform returns is successfully opened, and this notice is shown to the user.
Mobile electron wallet recharge method one embodiment three
The technical scheme of mobile electron wallet recharge method one embodiment three of the present invention is to be finished the triggering of automatic value-charging by the stored value card service platform, after then mobile terminal side is carried out mobile electron wallet recharge method one embodiment two steps B10 of the present invention～step B13, promptly opened after the function of automatically charging for electronic purse, only need after each transaction, perhaps according to some cycles, perhaps when ticket reserving time or subscribed event generation, perhaps after the inquiry into balance instruction that receives the transmission of stored value card service platform, report the e-wallet account remaining sum of self to get final product to the stored value card service platform, then finish automatic value-charging by mobile electron wallet service platform, concrete manner of execution can for: at first, mobile electron wallet service platform monitors and produces the trigger event of supplementing with money, and the remaining sum or other subscribed event that promptly receive e-wallet account take place; Secondly, mobile electron wallet service platform inquiry e-wallet account remaining sum, and judge whether the e-wallet account remaining sum is lower than the remaining sum minimum threshold, if then produce and supplement instruction with money; At last, receive the recharging result notice,, then send instruction to increase mobile electron wallet account balance to mobile electron wallet terminal if the recharging result notice is the notice of successful recharging.
Mobile electron wallet recharge method two embodiment one
Mobile electron wallet recharge method two of the present invention is mobile electron wallet network service platform side performed methods in the automatic value-charging process, is illustrated in figure 3 as the process flow diagram of mobile electron wallet recharge method two specific embodiments one of the present invention, comprises the steps:
Step C10, stored value card service platform obtain to supplement with money instruction;
Step C11, stored value card service platform are from this locality, be the user ID of the recharging account that the collection user sets in advance in the network side data storehouse and the password of withholing, the generation instruction of withholing is with the user ID of recharging account with withhold password setting in the parameter of instruction of withholing;
The instruction of will withholing of step C12, stored value card service platform sends to the account system that supplements with money;
Step C13, stored value card service platform receive the response notice of withholing that the recharging account system returns, and it is transmitted to mobile electron wallet terminal as the recharging result notice.
In the operating process of present embodiment automatically charging for electronic purse network side, information such as the user ID of recharging account and the password of withholing are in advance by the user and set, or send by mobile electron wallet terminal.The instruction of supplementing with money that the stored value card service platform receives the portable terminal transmission promptly begins to supplement with money operation, in the process of supplementing with money, can need not to carry out alternately with the user again, need not again to get parms from user's mobile electron wallet terminal, reduced the transmission of Information amount, reduced transmission cost, also can avoid the safety problem that occurs in the transmission, simultaneously for the user, reduce user's operation, improved user's experience.Also can improve present embodiment: in step C11, mobile electron wallet service platform can be gathered the user ID of supplementing account with money and the password of withholing from supplement instruction with money, is arranged in the instruction of withholing, and generates the instruction of withholing.The required amount of supplementing with money in the process of supplementing with money, can from supplement instruction with money, gather, in the time of also can working as mobile electron wallet terminal and sent automatic value-charging amount information, be recorded in the local database, then when instruction is withholdd in transmission, will supplement amount with money and be arranged in the instruction of withholing.Perhaps can also be further when opening the automatic value-charging function, promptly amount supplemented with money in the user ID of corresponding recharging account record in the recharging account system, then need not to comprise the automatic value-charging amount in the instruction of withholing, the recharging account system can gather from self database and supplement amount with money.
Between above-mentioned steps C12 and step C13, be the process that the recharging account system supplements with money, being operating as of a kind of concrete execution wherein, as shown in Figure 3:
Step C121, supplement the account system with money and from the instruction of withholing, gather and supplement the user ID of account and the password of withholing with money, and examine supplement account ID with money and the password of withholing whether correct, if, execution in step C122 then, otherwise, execution in step C123;
Step C122, supplement the account system acquisition with money and supplement amount with money, supplement the expense that amount equates with money, and send the response notice of withholing of the success of withholing, supplement EO with money to the stored value card service platform from supplementing the account deduction with money;
Step C123, recharging account system send the response notice of withholing of the failure of withholing to the stored value card service platform.
In the present embodiment, also can further comprise among the step C121 and confirm to supplement with money the whether enough steps of account balance, if, execution in step C122 then, otherwise, execution in step C123.Increase this step reliably carrying out of operation that can guarantee to withhold.In step C123, also can comprise the reason of the failure of withholing in the result's that withholds the failure notification step.The failure cause of operation offers the user so that further will withhold, so that the user carries out subsequent treatment according to failure cause.
Mobile electron wallet recharge method two embodiment two
Be illustrated in figure 4 as the process flow diagram of mobile electron wallet recharge method two specific embodiments two of the present invention, be on the basis of mobile electron wallet recharge method two embodiment one of the present invention, to have increased user's registering e-wallet account automatic value-charging function operations flow process, comprise:
Step D10, the reception of stored value card service platform and the automatically charging for electronic purse register instruction that sends to recharging account system forwards portable terminal;
Step D11, stored value card service platform receive and transmit the automatic value-charging registration response notice that the recharging account system is replied to mobile electron wallet terminal.
In technique scheme, the data in the automatic value-charging register instruction parameter can further be gathered and store to the stored value card service platform, uses in order to subsequent step, if the automatic value-charging instruction is encrypted instruction, then should comprise the step of deciphering.
The stored value card service platform to the recharging account system forwards after the automatic value-charging register instruction, a kind of concrete mode of the registering flow process that the recharging account system carries out is, as shown in Figure 4:
Step D101, recharging account system receive the automatic value-charging register instruction;
Step D102, stored value card service platform judge whether the automatic value-charging register instruction is verified and pass through, if, execution in step D103 then, otherwise send the automatic value-charging registration response notice of opening failure, the registering flow process that the recharging account system carries out finishes.
Step D103, open user's automatic value-charging function, and send the automatic value-charging registration response notice of successfully opening.
In the present embodiment, before the stored value card service platform sends to the recharging account system with information, also can further encrypt the information of required transmission, then by operating again after the recharging account system decrypts, information transmitted encrypted do not leaked for guarantee information, operation can reliably be carried out, and this is those skilled in the art's a common practise, does not repeat them here.
Present embodiment has been realized the open-minded of mobile electron wallet automatic value-charging function, the user only needs single job to open this function, can avoid the follow-up operation of supplementing with money, removed that the user remembers recharging account ID and the trouble of the password of withholing from, effectively improved user's experience, in the present embodiment, the e-wallet account terminal only need send the user ID of recharging account and the password of withholing just can satisfy the requirement of opening the automatic value-charging function, and remaining sum minimum threshold amount and automatic value-charging amount information can be used as the foundation of judging the reliability that activates the service, not as Compulsory Feature.
After mobile electron wallet terminal has been opened the automatic value-charging function, can also the parameter of automatic value-charging be configured, perhaps the automatic value-charging function is nullified, then the stored value card service platform also answers correspondence to comprise: receive the recharging account information of mobile electron wallet terminal transmission and/or the remaining sum minimum threshold and/or the automatic value-charging amount information of e-wallet account; With recharging account information and/or remaining sum minimum threshold and/or automatic value-charging amount information stores on the stored value card service platform and/or send to the recharging account system.When the stored value card service platform receives the information of terminal transmission, setting according to concrete scheme, these information can be kept in the local data base or upgrade existing corresponding data in the local data base, use in order to subsequent step, can in the process of supplementing with money, reduce the operation of obtaining correlation parameter from user's portable terminal like this, promptly reduce the operation that the user participates in, also reduce data quantity transmitted, can save Internet resources, avoid the transmission security problem; Can also only these information be sent to the recharging account system preserves, after transmission information, should receive the response notice that the recharging account system is replied, to prove that it successfully receives, for example, when the recharging account system is that operator is when being the user account that network side is provided with, then it possesses the function of storing subscriber information, can store the recharging account information of having bound with e-wallet account, and corresponding record automatic value-charging amount information, so that in subsequent operation, reduce interactive data quantity between stored value card service platform and recharging account system, can save Internet resources equally, avoid the transmission security problem, before sending recharging account information and/or remaining sum minimum threshold and/or automatic value-charging amount information and/or automatic value-charging register instruction to the recharging account system, also tackle it and carry out the operation of encrypting, further to guarantee the security of information transmission; In addition, can also on the stored value card service platform, store these relevant informations simultaneously, and send to the recharging account system and store, can guarantee the consistance of data like this, the recharging account system can check relevant information in the process of supplementing with money, just supplement operation with money when consistent, can improve the reliability of supplementing with money greatly.
Mobile electron wallet recharge method two embodiment three
Be illustrated in figure 5 as the process flow diagram of mobile electron wallet recharge method two specific embodiments three of the present invention, the difference of present embodiment and mobile electron wallet recharge method two embodiment one of the present invention is: the triggering of automatic value-charging is initiated by webserver side, and present embodiment has increased following step with respect to this embodiment one:
Step e 10, stored value card service platform obtain the e-wallet account remaining sum on the mobile electron wallet terminal;
The technical scheme of present embodiment is to utilize the stored value card service platform that the e-wallet account cycle of carrying out on the portable terminal is inquired after, obtain the remaining sum numerical value in the e-wallet account, then when judging the e-wallet account remaining sum and be lower than minimum threshold, promptly trigger the automatic value-charging step, the instruction of supplementing with money that the stored value card service platform obtains is produced by self.To the judgement of e-wallet account remaining sum can be to carry out after obtaining e-wallet account remaining sum numerical value inquiring after at every turn, perhaps sets the cycle of a judgement, perhaps obtains the remaining sum of e-wallet account after mobile electron wallet terminal sends the inquiry into balance instruction.The technical scheme of present embodiment can make server side also can recognize e-wallet account remaining sum on the portable terminal, make things convenient for server side to carry out statistical management, further, when user's portable terminal is lost or is damaged, as a reference frame that remedies user's loss.
Mobile electron wallet terminal embodiment
Be illustrated in figure 6 as the structural representation of mobile electron wallet terminal specific embodiment of the present invention, this portable terminal comprises: transaction modules 2, supplement module 3 and communication module 4 with money.Wherein, transaction modules 2 is used to handle the consumer sale data, and is used to preserve the e-wallet account remaining sum; Supplementing module 3 with money is electrically connected with transaction modules 2, be used for obtaining the data of transaction operation from transaction modules 2, these data can be for after once transaction be finished, supplement module 3 with money and finish information, supplement module 3 with money and also be used for producing and supplement instruction with money according to the e-wallet account remaining sum from the once transaction that transaction modules 2 monitors; Communication module 4 is electrically connected with supplementing module 3 with money, is used to transmit instruction or the information that module 3 is sent of supplementing with money.
Further, also be provided with security module 5 supplementing with money between module 3 and the communication module 4, be used for sending to communication module 4 again after instruction that module 3 sends or information are encrypted supplementing with money.The setting of security module 5 can realize having guaranteed to supplement with money the reliability of operation to supplementing the encryption of instruction or information with money.
Further, this mobile electron wallet terminal also is provided with Subscriber Interface Module SIM 1, with supplement module 3 with money and be electrically connected, be used to receive the data of user's input, these data can for the user for opening the parameter that the automatically charging for electronic purse function is configured, perhaps can be the data of other-end and user interactions, then Subscriber Interface Module SIM 1 is given data forwarding and is supplemented module 3 with money.Subscriber Interface Module SIM 1 is set, can supplements required data with money for the user provide one and the mutual approach of stored value card service platform, user to be provided with easily or to revise.
The concrete workflow of present embodiment can adopt the embodiment one of mobile electron wallet recharge method one of the present invention or two technical scheme, can effectively reduce the user and supplement operation with money in the stored value card use, has improved user's experience.
In the embodiment of two kinds of mobile electron wallet recharge methods provided by the present invention, the parameter that the operation relevant with supplementing operation with money must send in some step, the memory location of most of parameter can be provided with flexibly with being provided with constantly and number of times being set, as parameters such as the remaining sum minimum threshold of e-wallet account, automatic value-charging amount, the passwords of withholing, guaranteeing the supplementing handling safety reliability with money, and the user demand of satisfying the user is a target.
Mobile electron wallet system embodiment
Be illustrated in figure 7 as the structural representation of mobile electron wallet of the present invention system specific embodiment, this system comprises: consumer sale module 11, supplement trigger module 12 with money, supplement operational module 13 with money, memory module 14 and recharging account module 15.Wherein, consumer sale module 11 is used to handle the consumer sale data, and stores the e-wallet account remaining sum, and revises the remaining sum in the account when receiving recharge notification, promptly account balance is safeguarded; Supplement trigger module 12 and 11 wired or wireless connections of consumer sale module with money, be used for obtaining the e-wallet account remaining sum of consumer sale module 11, and Transaction Information, when the automatic value-charging trigger event takes place, produce and supplement instruction with money; Supplement operational module 13 with money and supplement 12 wired or wireless linking to each other of trigger module with money, be used to receive the instruction of supplementing with money of supplementing trigger module 12 transmissions with money, and be used for supplementing required data with money from memory module 14 inquiries, the generation instruction of withholing, send to recharging account module 13, receive after the result that withholds of recharging account module 13 answers, it is sent as recharge notification; Memory module 14 is electrically connected with supplementing operational module 13 with money, is used to store supplement with money operate required data; Recharging account module 15 and is supplemented with money 13 wired or wireless linking to each other of operational module, is used to receive supplement the instruction of withholing of supplementing with money that operational module 13 sends with money, and the operation of withholing, and reply the result that withholds.
In the present embodiment, consumer sale module 11 should be arranged in the portable terminal, supplement trigger module 12 with money and can adopt the technical scheme of mobile electron wallet terminal embodiment of the present invention, comprise and supplement module 3, security module 5 and communication module 4 with money, supplement operational module 13 with money and memory module 14 can be arranged on the stored value card service platform.Then the above-mentioned technical solutions of this embodiment concrete course of work of supplementing with money can adopt stored value card recharge method one of the present invention and two embodiment one or two.
In the present embodiment, the another kind of concrete set-up mode of supplementing trigger module 12 with money is arranged on the stored value card service platform, as shown in Figure 8, comprise remaining sum detecting unit 121 and comparing unit 122, remaining sum detecting unit 121 and 11 wired or wireless linking to each other of consumer sale module are used for obtaining the e-wallet account remaining sum of consumer sale module 11.Comparing unit 122 is electrically connected with remaining sum detecting unit 121, and with supplement with money 13 wired or wireless linking to each other of operational module, whether be used for comparison e-wallet account remaining sum greater than the remaining sum minimum threshold, and produce according to comparative result and to supplement instruction with money.After portable terminal has been opened the function of automatically charging for electronic purse, then the present embodiment technical scheme service platform side concrete course of work of supplementing with money can adopt stored value card recharge method one of the present invention and two embodiment three, and the concrete course of work of mobile terminal side automatic value-charging is exactly to finish once the transaction back or reporting its e-wallet account remaining sum according to some cycles to the trigger module 12 of supplementing with money of service platform side.
The technical scheme of present embodiment has realized the automatic value-charging of e-wallet account in mobile electron wallet system, reduced the operation that the user carries out in the process of supplementing with money, whether the remaining sum that also need not to keep one's eyes open in the e-wallet account is enough, effectively improved user's experience.
It should be noted that at last: above embodiment only in order to technical scheme of the present invention to be described, is not intended to limit; Although with reference to previous embodiment the present invention is had been described in detail, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment put down in writing, and perhaps part technical characterictic wherein is equal to replacement; And these modifications or replacement do not make the essence of appropriate technical solution break away from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (28)
1, a kind of mobile electron wallet recharge method comprises the steps:
Monitor and produce the trigger event of supplementing with money;
Inquiry e-wallet account remaining sum, and judge whether the e-wallet account remaining sum is lower than the remaining sum minimum threshold, if then send and supplement instruction with money;
Reception recharging result notice if the recharging result notice is the notice of successful recharging, then increases mobile electron wallet account balance.
2, mobile electron wallet recharge method according to claim 1 is characterized in that, also comprises:
Receive the recharging account information of user's input;
With the recharging account information setting in the parameter of automatic value-charging register instruction;
Send the automatic value-charging register instruction to the stored value card service platform;
Receive automatic value-charging registration response notice.
3, mobile electron wallet recharge method according to claim 1 is characterized in that, also comprises:
Receive the recharging account information of user's input and/or the remaining sum minimum threshold and/or the automatic value-charging amount information of e-wallet account;
With described recharging account information and/or remaining sum minimum threshold and/or automatic value-charging amount information stores on mobile electron wallet terminal and/or send to the stored value card service platform.
4, mobile electron wallet recharge method according to claim 3, it is characterized in that, also comprise after described recharging account information and/or remaining sum minimum threshold and/or automatic value-charging amount information are sent to the stored value card service platform: receive the response notice that the stored value card service platform sends.
5, mobile electron wallet recharge method according to claim 3 is characterized in that, also comprises: with described recharging account information and/or automatic value-charging amount information setting in described parameter of supplementing instruction with money.
6, according to the described arbitrary mobile electron wallet recharge method of claim 1～5, it is characterized in that: before sending recharging account information and/or remaining sum minimum threshold and/or automatic value-charging amount information and/or supplementing instruction and/or automatic value-charging register instruction with money, also carry out the operation of encrypting.
According to the described arbitrary mobile electron wallet recharge method of claim 1～5, it is characterized in that 7, before instruction was supplemented in transmission with money: what receive user's input supplemented the affirmation password with money, when checking by the time send and supplement instruction with money.
8, mobile electron wallet recharge method according to claim 7 is characterized in that, also comprises: be provided with and supplement the affirmation password with money, and supplement this with money affirmation password storage on mobile electron wallet terminal.
According to the described arbitrary mobile electron wallet recharge method of claim 1～5, it is characterized in that 9, also comprise: mobile electron wallet terminal reports the e-wallet account remaining sum of self to the stored value card service platform.
10, mobile electron wallet recharge method according to claim 9, it is characterized in that, mobile electron wallet terminal reports the step of the e-wallet account remaining sum of self to be specially to the stored value card service platform: mobile electron wallet terminal finish once the transaction back or set on when calling time or after receiving the inquiry into balance instruction that the stored value card service platform sends, report the e-wallet account remaining sum of self to the stored value card service platform.
11, a kind of mobile electron wallet recharge method comprises the steps:
The stored value card service platform obtains to supplement with money instruction;
The stored value card service platform is gathered the user ID of supplementing account with money and the password of withholing from local data base, generate the instruction of withholing, and supplements the user ID of account with money and withhold password setting in the parameter of instruction of withholing described;
Send the described instruction of withholing to supplementing the account system with money;
Reception is withholdd and is responded notice, and it is transmitted to mobile electron wallet terminal as the recharging result notice.
12, mobile electron wallet recharge method according to claim 11 is characterized in that, also comprises:
The stored value card service platform receives and to recharging account system forwards automatic value-charging register instruction;
Receive and transmit the automatic value-charging registration response notice of recharging account system answer to mobile electron wallet terminal.
13, mobile electron wallet recharge method according to claim 12 is characterized in that, also comprises:
The recharging account system receives the automatic value-charging register instruction, judge whether the automatic value-charging register instruction is verified and pass through, if then open user's automatic value-charging function, and send the automatic value-charging registration response notice of successfully opening, otherwise send the automatic value-charging registration response notice of opening failure.
14, mobile electron wallet recharge method according to claim 11 is characterized in that, also comprises:
Receive the recharging account information of mobile electron wallet terminal transmission and/or the remaining sum minimum threshold and/or the automatic value-charging amount information of e-wallet account;
With described recharging account information and/or remaining sum minimum threshold and/or automatic value-charging amount information stores on the stored value card service platform and/or send to the recharging account system.
15, mobile electron wallet recharge method according to claim 14, it is characterized in that, also comprise after described recharging account information and/or remaining sum minimum threshold and/or automatic value-charging amount information are sent to the recharging account system: receive the response notice that the recharging account system sends.
16, mobile electron wallet recharge method according to claim 14, it is characterized in that, also comprise after described recharging account information and automatic value-charging amount information are sent to the recharging account system: recharging account system log (SYSLOG) recharging account information and corresponding record automatic value-charging amount information.
17, mobile electron wallet recharge method according to claim 14 is characterized in that, also comprises: with described automatic value-charging amount information setting described withhold the instruction parameter in.
18, according to the described arbitrary mobile electron wallet recharge method of claim 11～17, it is characterized in that: before transmission recharging account information and/or remaining sum minimum threshold and/or automatic value-charging amount information and/or withhold instruction and/or automatic value-charging register instruction, also carry out the operation of encrypting.
19, according to the described arbitrary mobile electron wallet recharge method of claim 11～17, it is characterized in that, also comprise: supplement the account system with money and from the instruction of withholing, gather the user ID of supplementing account with money and the password of withholing, whether examine the user ID of supplementing account with money correct with the password of withholing, if, then supplement the account system acquisition with money and supplement amount with money, deduction is supplemented amount with money from supplement account with money, and produce the notice of the success of withholing, the notice of the described success of withholing is sent to mobile electron wallet terminal, otherwise produce the notice of the failure of withholing and send to mobile electron wallet terminal.
20, mobile electron wallet recharge method according to claim 19, it is characterized in that, supplementing that the account system examines the user ID of supplementing account with money with money and whether correct the password of withholing also comprise after: whether account balance is supplemented in affirmation with money enough, if, the operation of then withholing.
21, according to claim 11 or 14 described mobile electron wallet recharge methods, it is characterized in that, the step that instruction is supplemented in acquisition with money is specially: receive the instruction of supplementing with money of mobile electron wallet terminal transmission, perhaps be: obtain the e-wallet account remaining sum on the mobile electron wallet terminal, judge again whether described e-wallet account remaining sum is lower than the remaining sum minimum threshold, if then produce and supplement instruction with money.
22, mobile electron wallet recharge method according to claim 21, it is characterized in that, the step of obtaining account balance on the mobile electron wallet terminal is specially: the e-wallet account remaining sum that receives mobile electron wallet terminal to report, perhaps at the fixed time/and when occurring, incident detects the e-wallet account remaining sum of mobile electron wallet terminal, perhaps after sending e-wallet account inquiry into balance instruction, mobile electron wallet terminal receives the e-wallet account remaining sum again.
23, a kind of mobile electron wallet terminal comprises:
First module is used to handle the consumer sale data, and is used to preserve the e-wallet account remaining sum;
Second module is used for obtaining the data that transaction is operated from first module, and instruction is supplemented in generation with money according to the e-wallet account remaining sum;
Three module is used to transmit instruction or the information that described second module is sent.
24, according to the described mobile electron wallet of claim 23 terminal, it is characterized in that also comprising: four module, be connected between described second module and the three module, the instruction or the information that are used for second module is sent are encrypted, and then send to three module.
25, mobile electron wallet terminal according to claim 23 is characterized in that also comprising: the 5th module, be electrically connected with described second module, and be used to receive the data of user's input, and give second module this data forwarding.
26, a kind of mobile electron wallet system comprises:
First module is used to handle the consumer sale data, and is used for storage and upgrades the e-wallet account remaining sum;
Second module is used for obtaining the e-wallet account remaining sum of described first module, and produces according to the e-wallet account remaining sum when the automatic value-charging trigger event produces and supplement instruction with money;
Three module is used to receive the instruction of supplementing with money of described second module transmission, and obtains from four module and supplement desired data with money, sends the instruction of withholing to the 5th module, supplement operation with money, and the result that withholds that will receive sends as recharge notification;
Four module is electrically connected with described three module, is used to store supplement required data with money;
The 5th module is used to receive the instruction of withholing that three module sends, the operation of withholing, and reply the result that withholds.
27, according to the described mobile electron wallet of claim 26 system, it is characterized in that: described first and second modules are arranged on the mobile electron wallet terminal, and described third and fourth module is arranged on the stored value card service platform.
According to the described mobile electron wallet of claim 26 system, it is characterized in that 28, described second module comprises: first module is used for obtaining the e-wallet account remaining sum of described first module; Unit second is electrically connected with described first module, and with described wired or wireless linking to each other of three module, whether be used for comparison e-wallet account remaining sum greater than the remaining sum minimum threshold, and produce according to comparative result and to supplement instruction with money.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101216728A CN101388123A (en) | 2007-09-12 | 2007-09-12 | Charging method for mobile electronic purse and terminal and system of the mobile electronic purse |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101216728A CN101388123A (en) | 2007-09-12 | 2007-09-12 | Charging method for mobile electronic purse and terminal and system of the mobile electronic purse |
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| CN101388123A true CN101388123A (en) | 2009-03-18 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007101216728A Pending CN101388123A (en) | 2007-09-12 | 2007-09-12 | Charging method for mobile electronic purse and terminal and system of the mobile electronic purse |
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| CN (1) | CN101388123A (en) |
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101931579A (en) * | 2010-08-06 | 2010-12-29 | 中兴通讯股份有限公司 | Prepayment domestic equipment, payment method thereof, payment system thereof and payment device thereof |
| CN102486858A (en) * | 2009-11-03 | 2012-06-06 | 中国电信股份有限公司 | Radio frequency identification (RFID) mobile phone payment method and system utilizing over air technology (OTA) to recharge |
| CN102831735A (en) * | 2012-07-25 | 2012-12-19 | 北京数码视讯软件技术发展有限公司 | On-air credit-for-load control device, control method and on-air credit-for-load system and user terminal |
| CN103152716A (en) * | 2013-02-01 | 2013-06-12 | 广东欧珀移动通信有限公司 | Automatic recharge method and mobile communication terminal thereof |
| CN104244214A (en) * | 2014-10-16 | 2014-12-24 | 成都思迈科技发展有限责任公司 | Communication expense management method |
| CN106096954A (en) * | 2016-08-18 | 2016-11-09 | 深圳市深圳通有限公司 | Non-networked data processing equipment, non-networked data interaction system and method |
| CN109767334A (en) * | 2018-12-14 | 2019-05-17 | 深圳壹账通智能科技有限公司 | Fund application processing method, device, computer equipment and storage medium |
| CN110490576A (en) * | 2019-09-05 | 2019-11-22 | 霍保义 | Network automatic fee system |
| CN116228225A (en) * | 2023-05-09 | 2023-06-06 | 万联易达物流科技有限公司 | Matching method and system for automatic matching wallet by online recharging |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102486858A (en) * | 2009-11-03 | 2012-06-06 | 中国电信股份有限公司 | Radio frequency identification (RFID) mobile phone payment method and system utilizing over air technology (OTA) to recharge |
| CN101931579A (en) * | 2010-08-06 | 2010-12-29 | 中兴通讯股份有限公司 | Prepayment domestic equipment, payment method thereof, payment system thereof and payment device thereof |
| CN102831735A (en) * | 2012-07-25 | 2012-12-19 | 北京数码视讯软件技术发展有限公司 | On-air credit-for-load control device, control method and on-air credit-for-load system and user terminal |
| CN102831735B (en) * | 2012-07-25 | 2015-06-17 | 北京数码视讯软件技术发展有限公司 | On-air credit-for-load control device, control method and on-air credit-for-load system and user terminal |
| CN103152716A (en) * | 2013-02-01 | 2013-06-12 | 广东欧珀移动通信有限公司 | Automatic recharge method and mobile communication terminal thereof |
| CN104244214A (en) * | 2014-10-16 | 2014-12-24 | 成都思迈科技发展有限责任公司 | Communication expense management method |
| CN106096954A (en) * | 2016-08-18 | 2016-11-09 | 深圳市深圳通有限公司 | Non-networked data processing equipment, non-networked data interaction system and method |
| CN106096954B (en) * | 2016-08-18 | 2021-08-03 | 深圳市深圳通有限公司 | Non-networking data processing device, non-networking data interaction system and method |
| CN109767334A (en) * | 2018-12-14 | 2019-05-17 | 深圳壹账通智能科技有限公司 | Fund application processing method, device, computer equipment and storage medium |
| CN110490576A (en) * | 2019-09-05 | 2019-11-22 | 霍保义 | Network automatic fee system |
| CN116228225A (en) * | 2023-05-09 | 2023-06-06 | 万联易达物流科技有限公司 | Matching method and system for automatic matching wallet by online recharging |
| CN116228225B (en) * | 2023-05-09 | 2023-07-14 | 万联易达物流科技有限公司 | Matching method and system for automatic matching wallet by online recharging |
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Application publication date: 20090318 |