CN101504783B - Fee deducting method, device and system for electronic purse - Google Patents
Fee deducting method, device and system for electronic purse Download PDFInfo
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- CN101504783B CN101504783B CN2008100576858A CN200810057685A CN101504783B CN 101504783 B CN101504783 B CN 101504783B CN 2008100576858 A CN2008100576858 A CN 2008100576858A CN 200810057685 A CN200810057685 A CN 200810057685A CN 101504783 B CN101504783 B CN 101504783B
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Abstract
The invention discloses a fee deduction method for an E-wallet. The method comprises that: a mobile terminal for bearing the E-wallet receives a fee deduction instruction of the E-wallet given by a consumer terminal when wireless communication cannot be performed; the mobile terminal returns state information for the requirement of validity verification of the E-wallet to the consumer terminal; the consumer terminal triggers an E-wallet service platform to verify the validity of the E-wallet according to the state information; and the consumer terminal notifies the mobile terminal of performing fee deduction on the E-wallet according to the verification result which is returned by the E-wallet service platform to the consumer terminal and proves the validity of the E-wallet when the E-wallet is valid. The invention simultaneously discloses the mobile terminal for bearing the E-wallet, the consumer terminal and a safety management system of the E-wallet. The invention can improve the convenience and the safety of the use of the E-wallet through the mobile terminal.
Description
Technical field
The present invention relates to the mobile e-business technical field, relate in particular to charging method, equipment and the system of stored value card.
Background technology
Stored value card is a kind of financial IC card application for making things convenient for the consumption of holder's small amount to design.It supports transaction such as circle is deposited, consumption.Except that circle was deposited transaction, detail was not all write down in other transaction of using stored value card to carry out, and all need not to submit to personal identification number (PIN).Storage user's consumption amount can be expense, integration etc. in the stored value card.
The business of stored value card is extensively carried out at present, as Bus Card business etc., though the present domestic extensive business of carrying out stored value card that also do not have by portable terminal, but, realize that by portable terminal the stored value card business will be irresistible trend along with portable terminal becomes the requisite means of communication of people day by day.
The inventor finds that in realizing process of the present invention when carrying out the stored value card business by portable terminals such as mobile phones, convenience and security that stored value card uses are most important.
Summary of the invention
The embodiment of the invention provides a kind of charging method of stored value card, convenience and security when using stored value card by portable terminal in order to raising, and this method comprises:
The portable terminal of carrying stored value card receives the fee deduction instruction of consumption terminal to described stored value card in the time can't carrying out radio communication;
Described portable terminal returns the status information that described stored value card need carry out the legitimacy check to described consumption terminal;
Described consumption terminal triggers the legitimacy that the stored value card business platform is checked described stored value card according to described status information;
When described stored value card was legal, described consumption terminal to its legal assay of returning of described stored value card, notified described portable terminal that described stored value card is carried out fee deduction treatment according to described stored value card business platform;
When described stored value card is illegal, described stored value card business platform is to the lock instruction of described consumption terminal transmission to described stored value card, described consumption terminal is transmitted to described portable terminal with described lock instruction, and described portable terminal locks described stored value card according to described lock instruction.
The embodiment of the invention also provides a kind of portable terminal that carries stored value card, convenience and security when using stored value card by portable terminal in order to raising, and this portable terminal comprises:
Receiver module is used to receive the fee deduction instruction of consumption terminal to described stored value card;
Sending module is used for when described portable terminal can't carry out radio communication, after described receiver module receives described fee deduction instruction, returns the status information that described stored value card need carry out the legitimacy check to described consumption terminal;
The module of deducting fees is used for according to the notice of described consumption terminal described stored value card being carried out fee deduction treatment when described stored value card is legal;
Locking module is used for when described stored value card is illegal, and the stored value card business platform of transmitting according to described consumption terminal locks described stored value card to the lock instruction of described stored value card.
The embodiment of the invention also provides a kind of consumption terminal, convenience and security when using stored value card by portable terminal in order to raising, and this consumption terminal comprises:
Sending module is used for to the fee deduction instruction of the portable terminal transmission of carrying stored value card to described stored value card;
Receiver module is used to receive described portable terminal in the time can't carrying out radio communication, need carry out the status information of legitimacy check to its described stored value card that returns;
Trigger module is used for according to described status information, triggers the legitimacy that the stored value card business platform is checked described stored value card;
Notification module is used for when described stored value card is legal, to its legal assay of returning of described stored value card, notifies described portable terminal that described stored value card is carried out fee deduction treatment according to described stored value card business platform;
Forwarding module is used for when described stored value card is illegal, transmits the lock instruction of described stored value card business platform to described stored value card to described portable terminal.
The embodiment of the invention also provides a kind of safety management system of stored value card, convenience and security when using stored value card by portable terminal in order to raising, and this system comprises portable terminal, consumption terminal, stored value card business platform, wherein:
Portable terminal is used to carry stored value card, receives the fee deduction instruction of described consumption terminal to described stored value card; In the time that radio communication can't be carried out, return the status information that described stored value card need carry out the legitimacy check to described consumption terminal; When described stored value card is legal, described stored value card is carried out fee deduction treatment according to the notice of described consumption terminal; When described stored value card is illegal, according to the lock instruction that consumption terminal sends, the locking stored value card;
Consumption terminal is used for according to described status information, triggers the legitimacy that described stored value card business platform is checked described stored value card; And, when described stored value card is legal, to its legal assay of returning of described stored value card, notify described portable terminal that described stored value card is carried out fee deduction treatment according to described stored value card business platform; When described stored value card was illegal, the lock instruction that the stored value card business platform is sent was transmitted to portable terminal;
The stored value card business platform is used to check the legitimacy of described stored value card, when described stored value card is legal, returns the legal assay of described stored value card to described consumption terminal; When described stored value card is illegal, to the lock instruction of consumption terminal transmission to stored value card.
In the embodiment of the invention, the portable terminal of carrying stored value card receives the fee deduction instruction of consumption terminal to described stored value card in the time can't carrying out radio communication; Described portable terminal returns the status information that described stored value card need carry out the legitimacy check to described consumption terminal; Described consumption terminal triggers the legitimacy that the stored value card business platform is checked described stored value card according to described status information; When described stored value card is legal, described consumption terminal according to described stored value card business platform to its legal assay of returning of described stored value card, notify described portable terminal that described stored value card is carried out fee deduction treatment, thereby when portable terminal can't carry out radio communication, under the good situation of the close-range communication signal of consumption terminal neighboring mobile terminal, still can use stored value card, strengthened the convenience of using stored value card, and, portable terminal is only when the stored value card business platform determines that stored value card is legal, can carry out fee deduction treatment to stored value card, also avoid the stolen danger of stored value card, guaranteed the safety of expense in the stored value card.
Description of drawings
The processing flow chart of Fig. 1 in the embodiment of the invention stored value card that portable terminal carried being deducted fees;
Fig. 2 is the working mode change figure of the stored value card that portable terminal carried in the embodiment of the invention;
Fig. 3 carries out the process flow diagram of fee deduction treatment to stored value card in the time can carrying out radio communication for portable terminal in the embodiment of the invention;
Fig. 4 carries out the process flow diagram of fee deduction treatment to stored value card in the time can't carrying out radio communication for portable terminal in the embodiment of the invention;
Fig. 5, Fig. 6, Fig. 7, Fig. 8, Fig. 9 are the structural representation of the portable terminal of carrying stored value card in the embodiment of the invention;
Figure 10, Figure 11 are the structural representation of consumption terminal in the embodiment of the invention;
Figure 12 is the structural representation of the safety management system of stored value card in the embodiment of the invention.
Embodiment
Below in conjunction with Figure of description the embodiment of the invention is elaborated.
As shown in Figure 1, in the embodiment of the invention, a kind of treatment scheme that the stored value card that portable terminal carried is deducted fees is as follows:
The portable terminal of step 11, carrying stored value card receives the fee deduction instruction of consumption terminal (POS terminal, Point of sale terminal) to stored value card in the time can't carrying out radio communication.
Step 12, portable terminal need carry out the status information of legitimacy check to consumption terminal return electron wallet.
In above-mentioned flow process, those skilled in the art are understood that easily during in order to ensure the use stored value card, portable terminal is in net state, and at the periphery of consumption terminal, it is good that the close-range communication signal of portable terminal and consumption terminal should keep; In addition, can proper communication in order to ensure consumption terminal and stored value card business platform, the wireless communication signals of consumption terminal and stored value card business platform should keep good.
In the embodiment of the invention, no matter whether portable terminal can carry out radio communication, and the stored value card that portable terminal carried all can normally be used.When portable terminal can't carry out radio communication, portable terminal can be by carrying out short-range communication with consumption terminal, the stored value card that is carried need be carried out the status information of legitimacy check and inform consumption terminal, trigger the legitimacy of the stored value card business platform check stored value card that portable terminal carried by consumption terminal, thereby determine that can the user use this stored value card normally to consume, with this safety that guarantees stored value card to greatest extent, guarantee the safety of the fund in the stored value card of back of reporting the loss at stored value card.
Among the embodiment, portable terminal comprises when stored value card is carried out fee deduction treatment: it is legal that the status information of stored value card is set to; After stored value card is carried out fee deduction treatment, the status information of stored value card is set to carry out the legitimacy check, like this, be in the subsequent movement terminal and can't carry out under the state of radio communication, consumption terminal is once more when portable terminal sends fee deduction instruction, portable terminal also needs need carry out to consumption terminal return electron wallet once more the status information of legitimacy check, trigger the legitimacy that the stored value card business platform is checked stored value card by consumption terminal according to this status information, thereby in the security that guarantees stored value card to a greater extent.
Among the embodiment, when stored value card was illegal, the stored value card business platform can be transmitted to portable terminal by consumption terminal with lock instruction to the lock instruction of consumption terminal transmission to stored value card, and portable terminal locks stored value card according to this lock instruction.
Among the embodiment, change into can carry out radio communication the time from carrying out radio communication, can trigger the legitimacy of stored value card business platform check stored value card at portable terminal; If stored value card is legal, stored value card business platform notice mobile terminal activating stored value card, this moment, stored value card can normally use; If stored value card is illegal, stored value card business platform notice mobile terminal locking stored value card, this moment, stored value card can not use, and guaranteed the safety of stored value card with this.
Wherein, the legitimacy that triggers stored value card business platform check stored value card can be finished by portable terminal or network side server; Portable terminal can change into can carry out radio communication the time from carrying out radio communication at this equipment of detecting, and triggers the legitimacy (as realizing by sending the request of registering to the stored value card business platform) of stored value card business platform check stored value card; Perhaps, network side server changes into can carry out radio communication the time from carrying out radio communication detecting portable terminal, triggers the legitimacy of stored value card business platform check stored value card.Presence server or HLR as network side, can know whether portable terminal is in open state, if portable terminal transfers start to from shutdown, presence server or HLR send the notice that mobile terminal state changes to the stored value card business platform, then by stored value card business platform judges stored value card whether legal (in such cases, the server of network side is connected with the stored value card business platform).
For clearer description embodiment of the invention method, the mode of operation (state) of the stored value card that portable terminal carried is divided into five kinds, wherein the transformational relation between each pattern is as shown in Figure 2:
Pattern 0: after the portable terminal power-on, stored value card is handled unblocked state through user cipher authentication and definite its.
Whether legal pattern 1: portable terminal is in the state that can't carry out radio communication, stored value card uncertain (promptly needing to carry out the legitimacy check).
Pattern 2: portable terminal is in normal operating conditions, promptly can carry out radio communication, and stored value card by the legitimacy authentication, can normally be consumed.
Mode 3: stored value card is locked, and the user can not carry out any operation of stored value card.
Pattern 4: portable terminal is in the state that can't carry out radio communication, and stored value card is legal, can carry out off-line consumption.
If stored value card is in pattern 1, then stored value card can't be accepted the fee deduction instruction of consumption terminal; The stored value card of pattern 1 carries out the stored value card legitimate verification by consumption terminal and checking is passed through if be in, then enter pattern 4, at this moment, when portable terminal can't carry out radio communication, stored value card still can be accepted the fee deduction instruction of consumption terminal, consume, after the fee deduction instruction of having accepted this, be after this consumption is finished, stored value card is got back to pattern 1 again, need carry out the legitimacy of stored value card again and judge the consumption request that to accept later next time, all will judge before promptly each consumption the legitimacy of stored value card.
When stored value card is in pattern 0, under the state that can communicate by letter, if portable terminal receives the lock instruction that the stored value card business platform sends, then stored value card will enter mode 3; When portable terminal sends the stored value card request of registering to the stored value card business platform, the stored value card business platform determines that stored value card is legal and behind the indicating mobile terminal active electron wallet, stored value card will enter pattern 2.When stored value card was in pattern 2, when the stored value card business platform was operated reporting the loss of the stored value card that disposes, to the lock instruction of portable terminal transmission stored value card, portable terminal made stored value card enter mode 3 according to the lock instruction that receives.
As shown in Figure 3, in the instantiation, portable terminal carries out the flow process of fee deduction treatment to stored value card in the time can carrying out radio communication as follows:
Step 31, stored value card are in pattern 0, and portable terminal sends the request of registering to the stored value card business platform.The request of registering here can be the wireless communication request such as communication request in note, GPRS request, CS territory of registering.
Whether step 32, stored value card business platform judges stored value card be legal, if then execution in step 33, otherwise execution in step 310.
Step 33, stored value card business platform send the stored value card activation instruction to portable terminal.
Step 34, portable terminal are according to the activation instruction that receives, and active electron wallet, stored value card enter pattern 2.
Step 35, consumption terminal send the stored value card fee deduction instruction to portable terminal.
Step 36, portable terminal judge whether the instruction that is received is the stored value card fee deduction instruction, if, execution in step 37, otherwise keep stored value card to be in pattern 2.
Step 37, portable terminal are judged the current state that can't carry out radio communication that whether is in, if stored value card enters pattern 1, otherwise execution in step 38.
Step 38, portable terminal are deducted fees to stored value card.
Step 39, portable terminal are to the deduct fees response of success of POS terminal feedback stored value card.
Step 310, stored value card business platform notice mobile terminal locking stored value card, stored value card enters mode 3.
As shown in Figure 4, in the instantiation, portable terminal carries out the flow process of fee deduction treatment to stored value card in the time can't carrying out radio communication as follows:
Step 41, when stored value card is in pattern 1, the POS terminal sends the stored value card fee deduction instruction to portable terminal.
Step 42, portable terminal judge whether the instruction that receives is the stored value card fee deduction instruction, if, execution in step 43, otherwise, keep stored value card to be in pattern 1.
Step 43, portable terminal send the status information of stored value card to consumption terminal, and this status information indication stored value card need carry out the legitimacy check.
Step 44, consumption terminal send the request of registering to the stored value card business platform.
Whether step 45, stored value card business platform judges stored value card be legal, if then execution in step 46, otherwise execution in step 49.
Step 46, stored value card business platform notify the consumption terminal stored value card legal; Consumption terminal notice portable terminal makes stored value card change pattern 4 over to, and stored value card is carried out fee deduction treatment.
Step 47, portable terminal are deducted fees to stored value card, and stored value card changes pattern 1 over to.
This deducts fees step 48, portable terminal notice consumption terminal successfully.
Step 49, stored value card business platform are to the lock instruction of consumption terminal transmission to stored value card, and consumption terminal is transmitted to portable terminal with lock instruction.
Step 410, mobile terminal locking stored value card.
When stored value card is in serviceable condition, portable terminal or stored value card business platform are wanted monitoring status of mobile terminal, in case find that portable terminal is not online or be in the state that offline mode etc. can't carry out radio communication, 1 tupe then gets the hang of, when portable terminal can carry out radio communication, need send the request of registering to the stored value card business platform.
Based on same inventive concept, the embodiment of the invention also provides a kind of portable terminal that carries stored value card, and its structure comprises as shown in Figure 5: receiver module 51 is used to receive the fee deduction instruction of consumption terminal to stored value card; Sending module 52 is used for when described portable terminal can't carry out radio communication, after described receiver module receives described fee deduction instruction, need carry out the status information of legitimacy check to consumption terminal return electron wallet; The module 53 of deducting fees is used for when stored value card is legal, according to the notice of consumption terminal stored value card is carried out fee deduction treatment.
Among the embodiment, the module of deducting fees 53 comprises: the unit is set, and it is legal that the status information that is used for described stored value card is set to.As shown in Figure 6, at this moment, portable terminal shown in Figure 5 also comprises: module 54 is set, is used for after stored value card is carried out fee deduction treatment, the status information of stored value card is set to carry out the legitimacy check.
As shown in Figure 7, among the embodiment, portable terminal shown in Figure 5 also comprises: locking module 55, be used for when stored value card is illegal, and the stored value card business platform of transmitting according to consumption terminal is to the lock instruction of stored value card, locking stored value card.
As shown in Figure 8, among the embodiment, portable terminal shown in Figure 5 also comprises: active module 56, be used for changing into can carry out radio communication the time from carrying out radio communication at portable terminal, receiving after the stored value card business platform determines the instruction of the legal and active electron wallet of stored value card the active electron wallet; Locking module 55 is used for changing into can carry out radio communication the time from carrying out radio communication at portable terminal, is receiving after the stored value card business platform determines the instruction of the illegal and locking stored value card of stored value card the locking stored value card.
As shown in Figure 9, among the embodiment, portable terminal shown in Figure 8 also comprises: whether detection module 57 is used to detect portable terminal and changes into and can carry out radio communication from carrying out radio communication; Trigger module 58 is used for changing into can carry out radio communication the time from carrying out radio communication detecting portable terminal, triggers the legitimacy of stored value card business platform check stored value card.
Based on same inventive concept, the embodiment of the invention also provides a kind of consumption terminal, and its structure comprises as shown in figure 10: sending module 101 is used for to the fee deduction instruction of the portable terminal transmission of carrying stored value card to stored value card; Receiver module 102 is used for mobile terminal receive in the time can't carrying out radio communication, need carry out the status information of legitimacy check to its stored value card that returns; Trigger module 103 is used for according to this status information, triggers the legitimacy of stored value card business platform check stored value card; Notification module 104 is used for when stored value card is legal, and to the legal assay of its stored value card that returns, the notice portable terminal carries out fee deduction treatment to stored value card according to the stored value card business platform.
As shown in figure 11, among the embodiment, consumption terminal shown in Figure 10 also comprises: forwarding module 105 is used for when stored value card is illegal, to the lock instruction of portable terminal forwarding electronic wallet business platform to stored value card.
Based on same inventive concept, the embodiment of the invention also provides a kind of safety management system of stored value card, its structure as shown in figure 12, comprise portable terminal 121, consumption terminal 122, stored value card business platform 123, wherein: portable terminal 121, be used to carry stored value card, receive the fee deduction instruction of 122 pairs of stored value cards of consumption terminal; In the time that radio communication can't be carried out, need carry out the status information of legitimacy check to consumption terminal 122 return electron wallets; When stored value card is legal, stored value card is carried out fee deduction treatment according to the notice of consumption terminal 122; Consumption terminal 122 is used for need carrying out the status information that legitimacy is checked according to stored value card, triggers the legitimacy of stored value card business platform 123 check stored value cards; And when stored value card was legal, to the legal assay of its stored value card that returns, 121 pairs of stored value cards of notice portable terminal carried out fee deduction treatment according to stored value card business platform 123; Stored value card business platform 123 is used to check the legitimacy of stored value card, when stored value card is legal, to the legal assay of consumption terminal 122 return electron wallets.Stored value card business platform 123 also is used for when stored value card is illegal, to the lock instruction of consumption terminal 122 transmissions to stored value card; At this moment, consumption terminal 122 is transmitted to portable terminal 121 with lock instruction, and portable terminal locks stored value card according to lock instruction.
One of ordinary skill in the art will appreciate that all or part of step in the foregoing description method is to instruct relevant hardware to finish by program, this program can be stored in the computer-readable recording medium, and storage medium can comprise: ROM, RAM, disk or CD etc.
In the embodiment of the invention, the portable terminal of carrying stored value card receives the fee deduction instruction of consumption terminal to described stored value card in the time can't carrying out radio communication; Described portable terminal returns the status information that described stored value card need carry out the legitimacy check to described consumption terminal; Described consumption terminal triggers the legitimacy that the stored value card business platform is checked described stored value card according to described status information; When described stored value card is legal, described consumption terminal according to described stored value card business platform to its legal assay of returning of described stored value card, notify described portable terminal that described stored value card is carried out fee deduction treatment, thereby when portable terminal can't carry out radio communication, under the good situation of the close-range communication signal of consumption terminal neighboring mobile terminal, still can use stored value card, strengthened the convenience of using stored value card, and, portable terminal is only when the stored value card business platform determines that stored value card is legal, can carry out fee deduction treatment to stored value card, also avoid the stolen danger of stored value card, guaranteed the safety of expense in the stored value card.
Obviously, those skilled in the art can carry out various changes and modification to the present invention and not break away from the spirit and scope of the present invention.Like this, if of the present invention these are revised and modification belongs within the scope of claim of the present invention and equivalent technologies thereof, then the present invention also is intended to comprise these changes and modification interior.
Claims (10)
1. the charging method of a stored value card is characterized in that, this method comprises:
The portable terminal of carrying stored value card receives the fee deduction instruction of consumption terminal to described stored value card in the time can't carrying out radio communication;
Described portable terminal returns the status information that described stored value card need carry out the legitimacy check to described consumption terminal;
Described consumption terminal triggers the legitimacy that the stored value card business platform is checked described stored value card according to described status information;
When described stored value card was legal, described consumption terminal to its legal assay of returning of described stored value card, notified described portable terminal that described stored value card is carried out fee deduction treatment according to described stored value card business platform;
When described stored value card is illegal, described stored value card business platform is to the lock instruction of described consumption terminal transmission to described stored value card, described consumption terminal is transmitted to described portable terminal with described lock instruction, and described portable terminal locks described stored value card according to described lock instruction.
2. the method for claim 1 is characterized in that, described portable terminal carries out fee deduction treatment to described stored value card and comprises: it is legal that the status information of described stored value card is set to;
Described portable terminal carries out described stored value card after the fee deduction treatment, and the status information of described stored value card is set to carry out the legitimacy check.
3. the method for claim 1 is characterized in that, this method further comprises:
Change into can carry out radio communication the time from carrying out radio communication at described portable terminal, trigger the legitimacy that the stored value card business platform is checked described stored value card;
Described stored value card business platform notifies described mobile terminal activating described stored value card when described stored value card is legal; When described stored value card is illegal, notify described mobile terminal locking described stored value card.
4. method as claimed in claim 3 is characterized in that, changes into can carry out radio communication the time from carrying out radio communication at described portable terminal, triggers the stored value card business platform and checks the legitimacy of described stored value card to be meant:
Described portable terminal changes into can carry out radio communication the time from carrying out radio communication at this equipment of detecting, and triggers the legitimacy that the stored value card business platform is checked described stored value card;
Or network side server changes into can carry out radio communication the time from carrying out radio communication detecting described portable terminal, triggers the legitimacy that the stored value card business platform is checked described stored value card.
5. a portable terminal that carries stored value card is characterized in that, comprising:
Receiver module is used to receive the fee deduction instruction of consumption terminal to described stored value card;
Sending module is used for when described portable terminal can't carry out radio communication, after described receiver module receives described fee deduction instruction, returns the status information that described stored value card need carry out the legitimacy check to described consumption terminal;
The module of deducting fees is used for according to the notice of described consumption terminal described stored value card being carried out fee deduction treatment when described stored value card is legal;
Locking module is used for when described stored value card is illegal, and the stored value card business platform of transmitting according to described consumption terminal locks described stored value card to the lock instruction of described stored value card.
6. portable terminal as claimed in claim 5 is characterized in that, the described module of deducting fees comprises:
The unit is set, and it is legal that the status information that is used for described stored value card is set to;
Described portable terminal also comprises:
Module is set, is used for after described stored value card is carried out fee deduction treatment, the status information of described stored value card is set to carry out the legitimacy check.
7. portable terminal as claimed in claim 5 is characterized in that, also comprises:
Active module is used for changing into can carry out radio communication the time from carrying out radio communication at described portable terminal, determines that described stored value card is legal and after activating the instruction of described stored value card, activates described stored value card receiving the stored value card business platform;
Locking module, also be used for changing into can carry out radio communication the time from carrying out radio communication at described portable terminal, determine that described stored value card is illegal and after locking the instruction of described stored value card, lock described stored value card receiving the stored value card business platform.
8. portable terminal as claimed in claim 7 is characterized in that, also comprises:
Whether detection module is used to detect described portable terminal and changes into and can carry out radio communication from carrying out radio communication;
Trigger module is used for changing into can carry out radio communication the time from carrying out radio communication detecting described portable terminal, triggers the legitimacy that the stored value card business platform is checked described stored value card.
9. a consumption terminal is characterized in that, comprising:
Sending module is used for to the fee deduction instruction of the portable terminal transmission of carrying stored value card to described stored value card;
Receiver module is used to receive described portable terminal in the time can't carrying out radio communication, need carry out the status information of legitimacy check to its described stored value card that returns;
Trigger module is used for according to described status information, triggers the legitimacy that the stored value card business platform is checked described stored value card;
Notification module is used for when described stored value card is legal, to its legal assay of returning of described stored value card, notifies described portable terminal that described stored value card is carried out fee deduction treatment according to described stored value card business platform;
Forwarding module is used for when described stored value card is illegal, transmits the lock instruction of described stored value card business platform to described stored value card to described portable terminal.
10. the safety management system of a stored value card is characterized in that, comprises portable terminal, consumption terminal, stored value card business platform, wherein:
Portable terminal is used to carry stored value card, receives the fee deduction instruction of described consumption terminal to described stored value card; In the time that radio communication can't be carried out, return the status information that described stored value card need carry out the legitimacy check to described consumption terminal; When described stored value card is legal, described stored value card is carried out fee deduction treatment according to the notice of described consumption terminal; When described stored value card is illegal, according to the lock instruction that consumption terminal sends, the locking stored value card;
Consumption terminal is used for according to described status information, triggers the legitimacy that described stored value card business platform is checked described stored value card; And, when described stored value card is legal, to its legal assay of returning of described stored value card, notify described portable terminal that described stored value card is carried out fee deduction treatment according to described stored value card business platform; When described stored value card was illegal, the lock instruction that the stored value card business platform is sent was transmitted to portable terminal;
The stored value card business platform is used to check the legitimacy of described stored value card, when described stored value card is legal, returns the legal assay of described stored value card to described consumption terminal; When described stored value card is illegal, to the lock instruction of consumption terminal transmission to stored value card.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2008100576858A CN101504783B (en) | 2008-02-04 | 2008-02-04 | Fee deducting method, device and system for electronic purse |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2008100576858A CN101504783B (en) | 2008-02-04 | 2008-02-04 | Fee deducting method, device and system for electronic purse |
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| Publication Number | Publication Date |
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| CN101504783A CN101504783A (en) | 2009-08-12 |
| CN101504783B true CN101504783B (en) | 2010-09-22 |
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| CN2008100576858A Active CN101504783B (en) | 2008-02-04 | 2008-02-04 | Fee deducting method, device and system for electronic purse |
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| CN113516471B (en) * | 2021-07-07 | 2023-12-05 | 深圳市雪球科技有限公司 | Bus payment method, device and equipment |
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| CN1335970A (en) * | 1999-12-28 | 2002-02-13 | 英福赫伯有限公司 | Method and system for transaction of electronic money with a mobile communication unit as an electronic wallet |
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| CN101504783A (en) | 2009-08-12 |
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