CN101593383B - Electronic purse control method, system and SIM card - Google Patents

Electronic purse control method, system and SIM card Download PDF

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Publication number
CN101593383B
CN101593383B CN200810112823.8A CN200810112823A CN101593383B CN 101593383 B CN101593383 B CN 101593383B CN 200810112823 A CN200810112823 A CN 200810112823A CN 101593383 B CN101593383 B CN 101593383B
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mobile terminal
sim card
consumption amount
spending limit
mode
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CN101593383A (en
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赵旭
任鹏
马俊杰
刘斐
李琳
柏洪涛
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China Mobile Communications Group Co Ltd
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China Mobile Communications Group Co Ltd
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Abstract

The invention relates to the communication field, in particular to the technology for controlling consumption amount of electronic purse of mobile terminals. A method for controlling the consumption amount of the electronic purse includes that: a mobile terminal determines due consumption amount of a transaction according to a received command request sent by a POS machine; if the mobile terminal is judged to be in boot-up state, payment is cut when the consumption amount is further judged to be less than boot-up consumption limit, otherwise the payment is not cut; if the mobile terminal is judged to be in shutdown state, the payment is cut when the consumption amount is further judged to be less than shutdown consumption limit, otherwise the payment is not cut. The invention also provides a mobile terminal and an SIM card. The mobile terminal is judged to be in boot-up state or shutdown state, and the consumption amount of the electronic purse of the mobile terminal is controlled according to the boot-up consumption limit or the shutdown consumption limit, thus excessive consumption amount of the electronic purse can be prevented and the security of the electronic purse is improved.

Description

A kind of electronic purse control method, system and SIM card
Technical field
The present invention relates to the communications field, relate in particular to the technology that the consumption amount of mobile terminal stored value card is controlled.
Background technology
Along with popularizing fast of mobile terminal, new business and application continue to bring out, and people use mobile terminal to replace wrist-watch, notepad, game machine even wallet and key.
By NFC (Near Field Communication, wireless near field communication) technology, stored value card on mobile terminal can carry out completing transaction such as supplementing with money, pay, query the balance alternately with POS (Point of sales, the point of sales terminal) machine of agency.People can carry easily the mobile terminal with electronic purse function and do shopping to convenience store, refuel to the refuelling station, the booking of swiping the card when perhaps taking pubic transport, and need not be more as before, carry various IC-cards (Integrated Circuit Card in wallet, smart card), Payment Card to be to adapt to the consumption of different occasions, the stored value card on mobile terminal has brought very large convenience for people.
At present, generally all be provided with Spending Limit in the mobile terminal stored value card.When the user uses stored value card to consume, if the consumption amount that the user will pay surpasses the Spending Limit that arranges, this time consumption of limited subscriber.That is to say, Spending Limit defines the maximum consumption amount of user's one-time consumption.Like this, improved to a certain extent the security of stored value card, prevented from causing user's the large amount of stored value card post-consumer because of certain maloperation or fortuitous event.
In order to facilitate the user to the use of stored value card, the user both can in the situation that mobile terminal-opening uses stored value card, also can use stored value card in the shutdown situation.Like this, the user does not have under the fortuitous event of electricity at mobile phone, still can use stored value card to consume, and be unlikely to not have electricity because of mobile phone, and " wallet " that cause carrying can not use.
Usually the user in order to improve the security of mobile terminal stored value card, can arrange the stored value card password.Before using electronic purse function, need input stored value card password, and after confirming that password is correct, can use electronic purse function.But under off-mode, the user can't input the stored value card password; That is to say, in the situation that shut down, do not need to input password and can use stored value card to consume, and the maximum amount of consumption is limited by the Spending Limit that arranges in stored value card.The present inventor finds that the stored value card on such mobile terminal just is faced with larger risk: if mobile terminal is lost, other people just can in mobile terminal shutdown situation, use the stored value card of this mobile terminal to consume in the scope of Spending Limit restriction; And the Spending Limit in stored value card often can be consumed easily for the user, usually arrange all larger, as greater than 500 yuan etc.Therefore, the security of the mobile terminal stored value card of prior art is very low.
Summary of the invention
The embodiment of the present invention provides a kind of electronic purse control method, system and SIM card, in order to improve the security of mobile terminal stored value card.
A kind of electronic purse control method comprises:
The Subscriber Identity Module SIM card of mobile terminal receives the request of withholing that point of sales terminal POS machine sends, and determines the payable consumption amount of described stored value card according to the described request of withholing;
If described mobile terminal is off-mode, when the mobile terminal SIM card is determined described consumption amount less than the shutdown Spending Limit that sets in advance, described stored value card is withholdd;
If described mobile terminal is open state, when the mobile terminal SIM card is determined described consumption amount less than the start Spending Limit that sets in advance, described stored value card is withholdd.
The method to set up of described start Spending Limit and/or shutdown Spending Limit specifically comprises:
The user is carried out authentication;
After described being verified, receive start Spending Limit, shutdown Spending Limit that described user arranges.
Definite method of described mobile terminal-opening state or off-mode specifically comprises:
Described SIM card detects the voltage of the power pin of SIM card chip, determines that described mobile terminal is open state at described power pin voltage during higher than setting value; Otherwise be off-mode.
Perhaps, definite method of described mobile terminal-opening state or off-mode specifically comprises:
If described SIM card does not receive the Query Information that the application treating apparatus in described mobile terminal periodically sends in the setting-up time section, determine that described mobile terminal is off-mode; Otherwise, be open state.
Perhaps, definite method of described mobile terminal-opening state or off-mode specifically comprises:
The application treating apparatus of described mobile terminal sends boot-strap information to described SIM card when the user starts shooting, described SIM card is according to described boot-strap information, and the state that mobile terminal is set is open state;
The application treating apparatus of described mobile terminal sends to described SIM card and closes machine information when the user shuts down, and described SIM card is according to described pass machine information, and the state that mobile terminal is set is off-mode.
A kind of SIM card comprises:
Memory module is used for preserving start Spending Limit and shutdown Spending Limit;
The switching on and shutting down determination module is for the off-mode of determining mobile terminal;
Consumption amount determination module is used for determining the payable consumption amount of stored value card of described SIM card according to the request of withholing from the reception of POS machine;
Judge module is used for the off-mode determined according to described switching on and shutting down determination module, when determining the shutdown Spending Limit that consumption amount that described consumption amount determination module is determined is preserved less than described memory module, sends and carries out notice;
Execution module, the execution that is used for sending according to described judge module is notified, and described stored value card is carried out withholdd;
Described switching on and shutting down determination module also is used for determining the off-mode of mobile terminal;
Described judge module also is used for the open state determined according to described switching on and shutting down determination module, when determining the start Spending Limit that consumption amount that described consumption amount determination module is determined is preserved less than described memory module, sends described execution and notifies.
Described switching on and shutting down determination module comprises:
The pin voltage detecting unit is for detection of the power pin voltage of described SIM card chip;
The on-off state determining unit is used for determining that described mobile terminal is open state at described power pin voltage during higher than setting value; Otherwise be off-mode.
A kind of stored value card control system comprises:
SIM card is used for receiving the request of withholing that point of sales terminal POS machine sends, and determines the payable consumption amount of described stored value card according to the described request of withholing; When determining described consumption amount less than the shutdown Spending Limit that sets in advance when the mobile terminal off-mode, described stored value card is carried out and withholdd.
When described SIM card also is used for determining described consumption amount less than the start Spending Limit that sets in advance when the mobile terminal-opening state, described stored value card is carried out withholdd;
Described system also comprises:
Use treating apparatus, be used for identifying user identity, the start Spending Limit that after being verified, described user is arranged and shutdown Spending Limit are saved in described SIM card.
The embodiment of the present invention is due to the open state that detects mobile terminal or off-mode, and controls the consumption amount of the stored value card on mobile terminal according to start Spending Limit or shutdown Spending Limit; Especially in mobile terminal when shutdown, prevent that stored value card from the time need not carrying out authentication, being consumed too high amount, thereby improved the security of stored value card.
Description of drawings
Fig. 1 is that the user of the embodiment of the present invention can arrange the mobile terminal of stored value card switching on and shutting down Spending Limit and the structured flowchart of SIM card;
Fig. 2 is that the another kind of user of the embodiment of the present invention can arrange the mobile terminal of stored value card switching on and shutting down Spending Limit and the structured flowchart of SIM card;
Fig. 3 is the method flow diagram that the user of the embodiment of the present invention arranges stored value card switching on and shutting down Spending Limit;
Fig. 4 is the control mobile terminal stored value card consumption amount schematic diagram of the embodiment of the present invention;
Fig. 5 is the process flow diagram of the control mobile terminal stored value card consumption amount method of the embodiment of the present invention;
Fig. 6 is that having of the embodiment of the present invention controlled the mobile terminal of stored value card consumption amount function and the structured flowchart of SIM card.
Embodiment
The embodiment of the present invention arranges respectively different Spending Limits for open state and the off-mode of mobile terminal, the Spending Limit of namely starting shooting, shutdown Spending Limit.During due to mobile terminal-opening, need the user to input the stored value card password, the security of stored value card is relatively high, and the Spending Limit of starting shooting can arrange larger; And when mobile terminal shut down, because the user can't input password, the stored value card security was lower, by less shutdown Spending Limit is set, limited the user and used the mobile terminal stored value card to consume.Like this, just improve the security of mobile terminal stored value card, especially improved the security of stored value card under off-mode.
In the system as Fig. 1, comprising: the application treating apparatus 101 of mobile terminal and SIM (Subscriber Identity Module, Subscriber Identity Module) card 102.
Wherein, have multiple application program for mobile terminal in application treating apparatus 101, in order to support user and mobile terminal mutual, complete the application of various mobile terminals.
Comprise authentication module 103 in SIM card 102, module 104 and memory module 105 are set.
Authentication module 103 is in order to use STK (SIM ApplicationToolkit, SIM application toolkit) menu and user to carry out alternately user identity being verified by using treating apparatus 101.After being verified, to module 104 transmissions are set, notice is set.
Module 104 is set according to notice is set, use the STK menu to receive the start Spending Limit of user's setting, the Spending Limit that shuts down by using treating apparatus 101, and the Spending Limit that the user is arranged is saved in memory module 105.
Concrete increase, change STK menu, and according to the user, the technology that the option of menu calls the corresponding function program is well known to those skilled in the art, repeat no more herein.
In addition, module, authentication module being set also can be arranged in the application treating apparatus (as shown in Figure 2):
Use the authentication module 203 for the treatment of apparatus 201, be used for carrying out alternately user identity being verified with the user.After being verified, to module 204 transmissions are set, notice is set.
Module 204 is set according to notice is set, receive start Spending Limit, shutdown Spending Limit that the user arranges, and the Spending Limit that the user is arranged is saved in the memory module 205 of SIM card 202.
Be arranged at and use in treating apparatus due to module, authentication module being set, can call and use more original graphical interfaces API (Application Programming Interface in treating apparatus, application programming interface) function, make the setting up procedure of realizing by the method have better human-computer interaction interface, the user experiences better.
The concrete method to set up of switching on and shutting down Spending Limit, process flow diagram comprise following concrete steps as shown in Figure 3:
S301: authentication module carries out subscriber authentication; If pass through, execution in step S302; If do not pass through, finish.
In order further to guarantee the safety of stored value card, before user's use arranges the Spending Limit function, can verify user identity.By authentication module, user input arranges password, verify this arrange password correct after, allow the user that the Spending Limit of stored value card is arranged.Method to user identity is verified is well known to those skilled in the art, and repeats no more herein.
S302: the open and close machine Spending Limit configuration information that module receives user's input is set.
The user arranges respectively different values to start Spending Limit and shutdown Spending Limit.Receive the concrete grammar of user's input information, be well known to those skilled in the art, repeat no more herein.
Usually the shutdown Spending Limit that arranges of user is less than the start Spending Limit, can guarantee like this stored value card under off-mode not by the large amount of post-consumer.User's limit of can shutting down according to the needs of oneself is set as a suitable value, thereby guarantee some small amount payment functions of stored value card, thereby facilitate the user to use stored value card in some small amount payment scenes commonly used, bus card-reading for example, perhaps convenience store buys some petty commodities.Certainly, user's Spending Limit that also can shut down is set to 0; Like this, under off-mode, the user just can not use stored value card to consume.
A kind ofly concrete arrange as shown in table 1ly, obviously under the mobile terminal off-mode, the disposable consumption number of user is restricted greatly; The situation of lost terminal if be moved, other people can't use the stored value card in mobile terminal to carry out huge consumption, even and the user repeatedly uses stored value card to carry out small amount consumption, the possessory loss of mobile terminal is also limited.
Table 1
Start consumption amount Shutdown consumption amount
5000 yuan 20 yuan
S303: the open and close machine Spending Limit that arranges is stored in memory module, complete this time arranging.
Certainly, can also be in step S301 as those skilled in the art's conventional means, when subscriber authentication is not passed through, allow the user repeatedly to carry out authentication, if authentication is passed through in set point number, can continue step S302; If in set point number, authentication is not all passed through, finish this time to arrange task.
The user after being provided with open and close machine Spending Limit, Spending Limit that SIM card just can arrange according to the user, the consumption amount of limited subscriber under start or off-mode.
As shown in Figure 4, SIM card and POS machine carry out information interaction, and the POS machine is undertaken completing the functions such as withholing, inquire about or supplement with money in stored value card alternately by NFC module and the SIM card of mobile terminal.The open and close machine Spending Limit that the mobile terminal that the embodiment of the present invention provides arranges according to the user is controlled the method that stored value card is consumed amount, and process flow diagram comprises the steps: as shown in Figure 5
S501: receive the command request that the POS machine sends.
SIM card receives the command request of withholing that the POS machine sends.
S502: determine this time consumption amount of transaction according to this command request.
SIM card determines according to the command request of the concrete POS machine that receives the number that this time transaction will be withholdd, and namely consumes amount.
The S503:SIM card is determined the open and close machine state of mobile terminal; If open state, execution in step S504; Otherwise, execution in step S505.
S504: consumption amount and the start Spending Limit of this transaction are compared; If less than start Spending Limit, execution in step S506: carry out and to withhold; Otherwise, execution in step S507: do not withhold.
S505: consumption amount and the shutdown Spending Limit of this transaction are compared; If less than shutdown Spending Limit, execution in step S506: carry out and to withhold; Otherwise, execution in step S507: do not withhold.
In above-mentioned steps S503, SIM card determines that mobile terminal open and close machine state can have several different methods, for example:
Method one
Be provided with regularly query unit in the application treating apparatus of mobile terminal: in start, use treating apparatus and be in power supply state, regularly query unit periodically sends query messages to SIM card; If user's shutdown is used treating apparatus and is not powered, regularly query unit can't continue to send query messages to SIM card.Therefore, if SIM card does not receive query messages in the setting-up time section, judge that the user shuts down; Otherwise, think that mobile terminal is in open state.Usually the setting-up time section is greater than the timed sending cycle of query messages, and those skilled in the art can set according to actual conditions timed sending cycle and the described setting-up time section of query messages.
Method two
In SIM card or the SIM card periphery pin voltage detecting unit is set, in order to detect the specific pin voltage of SIM card chip, the voltage of the Vcc power pin of SIM card chip for example.When mobile terminal was in open state, the Vcc pin voltage of SIM card chip was high-voltage state (for example higher than 3V), judged if the pin voltage detecting unit detects the Vcc pin voltage higher than setting value to be open state this moment; After user's shutdown, the Vcc pin voltage of SIM card chip will reduce (for example lower than 0.5V), judge if the pin voltage detecting unit detects the Vcc pin voltage lower than setting value to be off-mode this moment.Those skilled in the art can have the multiple method that realizes pin voltage detecting unit function, for example adopt comparer: an input end of comparer is connected with the Vcc pin, another input end can be kept constant voltage and is connected with one, according to the upset situation of comparator output terminal judge the Vcc pin voltage whether higher than or lower than this constant voltage, judge that thus be start or off-mode this moment; Again or utilize analog to digital converter to gather the Vcc pin voltage, compare with setting value after being converted to digital signal, thereby judge start or the off-mode of mobile terminal.
Method three
In using treating apparatus, the switching on and shutting down setting unit is set, is provided with the on-off state storage unit in order to preserve status information of mobile terminal in SIM card, status information of mobile terminal has two kinds: open state information or off-mode information.If status information of mobile terminal is set to open state information, show that the current mobile terminal state is start; If be set to off-mode information, show that the current mobile terminal state is shutdown.When the user started shooting, the on-off state setting unit sent boot-strap information in the on-off state storage unit of SIM card, and the status information of mobile terminal of on-off state storage unit is set to open state information; When the user shut down, the on-off state setting unit sent the pass machine information to the switching on and shutting down storage unit of SIM card, and the status information of mobile terminal of on-off state storage unit is set to off-mode information.Like this, be start or the off-mode that open state information or off-mode information are judged this moment by what preserve in detector switch machine state storage unit.
A kind of system that controls stored value card consumption amount provided by the invention comprises: consumption amount determination module 601, judge module 602, memory module 603, execution module 604, switching on and shutting down determination module 606 as shown in Figure 6.
Memory module 603 in SIM card 605 has been preserved start Spending Limit and shutdown Spending Limit that the user arranges.
Consumption amount determination module 601 in SIM card 605 receives the command request that the POS machine sends, and determines according to this command request the payable consumption amount of this time concluding the business.
Switching on and shutting down determination module 606 in SIM card 605 is used for determining that current mobile terminal is to be in open state or off-mode.
Judge module 602 in SIM card 605 is for the open state of determining according to switching on and shutting down determination module 606, the consumption amount that consumption amount determination module 601 is determined compares with the start Spending Limit in memory module 603: if the consumption amount is greater than starting shooting Spending Limit determine not carry out and withhold, otherwise, determine to carry out to withhold, send to execution module 604 and carry out notice; Judge module 602 is also for the off-mode of determining according to switching on and shutting down determination module 606, the consumption amount that consumption amount determination module 601 is determined compares with the shutdown Spending Limit in memory module 603: do not withhold if the consumption amount is not carried out greater than the decision of shutdown Spending Limit, otherwise, determine to carry out to withhold, send to execution module 604 and carry out notice.
Execution module 604 in SIM card 605 is carried out this time withholing of transaction according to carrying out notice.
The function of above-mentioned on-off state determination module can have several different methods to realize, for example is provided with in the on-off state determination module:
The pin voltage detecting unit is for detection of the voltage of the specific pin of mobile terminal SIM card chip;
The on-off state determining unit is used for determining that when specific pin voltage being detected higher than setting value described mobile terminal is open state; Otherwise be off-mode.
In addition, the on-off state determination module also can be comprised of the timing query unit of the application treating apparatus that is arranged in mobile terminal and the on-off state determining unit of SIM card:
Regularly query unit, be used for periodically sending Query Information;
The on-off state determining unit is used for receiving described Query Information, and if do not receive described Query Information in the setting-up time section, determine that mobile terminal is off-mode; Otherwise, be open state.
Again or, the on-off state determination module comprises also and can be comprised of the on-off state setting unit of the application treating apparatus that is arranged in mobile terminal and the on-off state storage unit of SIM card:
The on-off state setting unit is used for sending boot-strap information when the user starts shooting; When the user shuts down, send and close machine information.
The on-off state storage unit is used for determining that according to the boot-strap information that the on-off state setting unit sends mobile terminal is open state, determines that according to closing machine information mobile terminal is off-mode.
The embodiment of the present invention is due to the open state that detects mobile terminal or off-mode, and controls the consumption amount of the stored value card on mobile terminal according to start Spending Limit or shutdown Spending Limit; Especially in mobile terminal when shutdown, prevent that stored value card from the time need not carrying out authentication, being consumed too high amount, thereby improved the security of stored value card.
One of ordinary skill in the art will appreciate that all or part of step that realizes in above-described embodiment method is to come the relevant hardware of instruction to complete by program, this program can be stored in a computer read/write memory medium, as: ROM/RAM, magnetic disc, CD etc.
The above is only the preferred embodiment of the present invention; should be pointed out that for those skilled in the art, under the prerequisite that does not break away from the principle of the invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.

Claims (5)

1. an electronic purse control method, is characterized in that, comprising:
The Subscriber Identity Module SIM card of mobile terminal receives the request of withholing that point of sales terminal POS machine sends, and determines the payable consumption amount of described stored value card according to the described request of withholing;
If described mobile terminal is off-mode, when the mobile terminal SIM card is determined described consumption amount less than the shutdown Spending Limit that sets in advance, described stored value card is withholdd;
If described mobile terminal is open state, when the mobile terminal SIM card is determined described consumption amount less than the start Spending Limit that sets in advance, described stored value card is withholdd;
Wherein, definite method of described mobile terminal-opening state or off-mode specifically comprises:
Described SIM card detects the voltage of the power pin of SIM card chip, determines that described mobile terminal is open state at described power pin voltage during higher than setting value; Otherwise be off-mode; Perhaps,
If described SIM card does not receive the Query Information that the application treating apparatus in described mobile terminal periodically sends in the setting-up time section, determine that described mobile terminal is off-mode; Otherwise, be open state; Perhaps,
The application treating apparatus of described mobile terminal sends boot-strap information to described SIM card when the user starts shooting, described SIM card is according to described boot-strap information, and the state that mobile terminal is set is open state; The application treating apparatus of described mobile terminal sends to described SIM card and closes machine information when the user shuts down, and described SIM card is according to described pass machine information, and the state that mobile terminal is set is off-mode.
2. the method for claim 1, is characterized in that, the method to set up of described start Spending Limit and/or shutdown Spending Limit specifically comprises:
The user is carried out authentication;
After described being verified, receive start Spending Limit and/or shutdown Spending Limit that described user arranges.
3. a SIM card, is characterized in that, comprising:
Memory module is used for preserving start Spending Limit and shutdown Spending Limit;
The switching on and shutting down determination module is for the open and close machine state of determining mobile terminal;
Consumption amount determination module is used for determining the payable consumption amount of stored value card of described SIM card according to the request of withholing from the reception of POS machine;
Judge module is used for the off-mode determined according to described switching on and shutting down determination module, when determining the shutdown Spending Limit that consumption amount that described consumption amount determination module is determined is preserved less than described memory module, sends and carries out notice;
Execution module, the execution that is used for sending according to described judge module is notified, and described stored value card is carried out withholdd;
Described judge module also is used for the open state determined according to described switching on and shutting down determination module, when determining the start Spending Limit that consumption amount that described consumption amount determination module is determined is preserved less than described memory module, sends described execution and notifies;
Wherein, described switching on and shutting down determination module comprises:
The pin voltage detecting unit is for detection of the power pin voltage of described SIM card chip;
The on-off state determining unit is used for determining that described mobile terminal is open state at described power pin voltage during higher than setting value; Otherwise be off-mode;
Perhaps, described switching on and shutting down determination module comprises:
The on-off state determining unit be used for to receive Query Information, and if do not receive described Query Information in the setting-up time section, determine that mobile terminal is off-mode; Otherwise, be open state;
Perhaps, described switching on and shutting down determination module comprises:
The on-off state storage unit is used for determining that according to the boot-strap information that receives mobile terminal is open state, determines that according to the pass machine information that receives mobile terminal is off-mode.
4. a stored value card control system, is characterized in that, comprising:
SIM card is used for receiving the request of withholing that point of sales terminal POS machine sends, and determines the payable consumption amount of described stored value card according to the described request of withholing; When determining described consumption amount less than the shutdown Spending Limit that sets in advance when the mobile terminal off-mode, described stored value card is carried out and withholdd;
When described SIM card also is used for determining described consumption amount less than the start Spending Limit that sets in advance when the mobile terminal-opening state, described stored value card is carried out withholdd;
And,
Described SIM card specifically is used for, and detects the voltage of the power pin of SIM card chip, determines that described mobile terminal is open state at described power pin voltage during higher than setting value, otherwise is off-mode; Perhaps,
Described system also comprises:
Use treating apparatus, be used for periodically sending Query Information to described SIM card; Described SIM card also is used for receiving described Query Information, and if do not receive described Query Information in the setting-up time section, determine that mobile terminal is off-mode, otherwise, be open state; Perhaps,
Described system also comprises:
Use treating apparatus, be used for sending boot-strap information to described SIM card when the user starts shooting; When the user shuts down, send to described SIM card and close machine information; Described SIM card, concrete being used for according to described boot-strap information, the state that mobile terminal is set is open state, according to described pass machine information, the state that mobile terminal is set is off-mode.
5. system as claimed in claim 4, is characterized in that,
Use treating apparatus, also be used for identifying user identity, the start Spending Limit that after being verified, described user is arranged and shutdown Spending Limit are saved in described SIM card.
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