CN101727705A - Method for closing and opening electronic payment application - Google Patents

Method for closing and opening electronic payment application Download PDF

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Publication number
CN101727705A
CN101727705A CN200810172977A CN200810172977A CN101727705A CN 101727705 A CN101727705 A CN 101727705A CN 200810172977 A CN200810172977 A CN 200810172977A CN 200810172977 A CN200810172977 A CN 200810172977A CN 101727705 A CN101727705 A CN 101727705A
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China
Prior art keywords
smart card
closing
portable terminal
mails
payment
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Granted
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CN200810172977A
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Chinese (zh)
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CN101727705B (en
Inventor
贾倩
马景旺
余万涛
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ZTE Corp
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ZTE Corp
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Priority to CN2008101729776A priority Critical patent/CN101727705B/en
Priority to PCT/CN2009/073562 priority patent/WO2010045828A1/en
Publication of CN101727705A publication Critical patent/CN101727705A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/354Card activation or deactivation
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326Payment applications installed on the mobile devices
    • G06Q20/3263Payment applications installed on the mobile devices characterised by activation or deactivation of payment capabilities
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405Establishing or using transaction specific rules

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Telephone Function (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a method for closing and opening electronic payment application, comprising the following steps of: providing a setting for closing and opening the electronic payment application to an intelligent card on a mobile terminal; and carrying out corresponding setting on the mobile terminal when a user needs to close or open the electronic payment application. The invention solves the problems of the tradition electronic payment of the mobile terminal lacks of flexibility and has poor safety, and ensures that the user can close the functions of the electronic payment application during not using the electronic payment application, thereby preventing the electronic payment from being stolen and enhancing the safety of the electronic payment application; and when in needed use, the electronic payment application can be reopened and the user can use the functions of the electronic payment more flexibly and conveniently.

Description

Pay the method for closing and opening of using by mails
Technical field
The present invention relates to the electronic payment of mobile terminal field, relate in particular to a kind of method of closing and opening of using of paying by mails.
Background technology
NFC (Near Field Communication, the near-field communication technology) is a kind of the short distance wireless communication technology that works in 13.56MHz, merge differentiation by RFID (Radio Frequency Identification, radio-frequency (RF) identification) technology and interconnection technique.After the integrated NFC technology of portable terminals such as mobile phone, can simulate non-contact IC card, the relevant application that is used to pay by mails.Portable terminal is applied to the E-Payment field, can further enlarge the usable range of mobile phone, and it is convenient to bring for people's life, exists wide application prospect.
Realize on the portable terminal that this scheme need increase NFC analog front-end chip and NFC antenna on terminal, and use the smart card of supporting E-Payment, and pay relevant application by mails and be placed in the smart card, pay the processing of application by smart card by mails.Smart card connects with terminal processing chip, guarantees communicating by letter between terminal and the smart card; Smart card links to each other with the NFC analog front-end chip simultaneously, when portable terminal during near contactless reader, by the NFC analog front-end chip finish with smart card in pay by mails use alternately.Also brought the safety issue of paying by mails thus, if portable terminal stolen meeting to the user cause economically loss and the leakage of electronic payment information.
In the prior art, the user can not use according to the E-Payment that individual actual needs and actual operating position are closed neatly or opened again in the smart card, makes the security aspect of existing electronic payment of mobile terminal have leak, also lacks dirigibility.
Summary of the invention
The technical problem to be solved in the present invention is exactly to propose a kind of method of closing and opening of using of paying by mails, there are the problem of leak in electronic payment of mobile terminal shortage dirigibility and security in the solution prior art, and the user can close or open the electronic payment of mobile terminal application function neatly.
In order to solve the problems of the technologies described above, the invention provides a kind of method of closing and opening of using of paying by mails, in the setting that the E-Payment application of closing and opening on the smart card is provided on the portable terminal; When the user need close or unlocking electronic payment when using, on portable terminal, carry out corresponding setting.
Further, describedly providing being set to that the E-Payment of closing and opening on the smart card uses on the portable terminal: portable terminal provides pays the setup menu that function is closed and opened by mails, and described setup menu is realized in smart card; On portable terminal, select to close in this setup menu or unlocking electronic payment when using the corresponding operation of smart card response.
Further, realize this setup menu by subscriber identification module tool case STK menu or smart card graphical interfaces or JSR177 client end interface.
Further, describedly providing being set to that the E-Payment of closing and opening on the smart card uses on the portable terminal: portable terminal provides pays the setup menu that function is closed and opened by mails, and described setup menu is realized on portable terminal; Smart card provides interface to portable terminal, portable terminal response user's operation, and the interface that calls smart card and provide is finished and is paid closing or opening of using by mails.
Further, before paying the closing or open setting of application by mails, smart card prompting user imports smart card PIN (Personal Identification Number) PIN code or other preset password, the checking input be just to be provided with behind correct PIN code or the password, otherwise end operation.
Further, before paying the closing or open setting of application by mails, smart card prompting user confirms; When needs are closed when pay by mails using, whether after the user confirms, also checking currently has ongoing electronic transaction, if having, then preserves work at present or waits for that work at present finishes or hard closing; If current do not have an ongoing transaction, then after confirming, the user directly closes.
Further, before paying the closing or open setting of application by mails, portable terminal prompting user confirms; When needs are closed when pay by mails using, after the user confirmed, smart card checked current whether ongoing electronic transaction is arranged, if having, then preserved work at present or waited for that work at present finishes or hard closing; If current do not have an ongoing transaction, then after confirming, the user directly closes.
Further, when pay by mails to use be set to close after, when smart card received the order that contactless card reader sends, refusal carried out the mutual of electric payment transaction with the noncontact reader.
Further, after closing or opened the E-Payment application, the current E-Payment of preservation is used to be in and is closed or opening in the smart card, also shows this state on the setup menu interface synchronously.
Further, after closing or opened the E-Payment application, the current E-Payment of preservation is used to be in and is closed or opening in the smart card, also shows this state on the interface of portable terminal synchronously.
The present invention has overcome existing electronic payment of mobile terminal and has lacked the problem that there are leak in dirigibility and security, the user can will pay application function by mails and close when not using E-Payment to use, prevent to be usurped E-Payment, strengthen and pay the security of using by mails by others; When needs used, the unlocking electronic payment was used again again, made convenient the use neatly of user pay function by mails.
Description of drawings
Fig. 1 realizes that in smart card setup menu pays the process flow diagram of closing/opening of application by mails;
Fig. 2 realizes that on interface of mobile terminal setup menu pays the process flow diagram of closing/opening of application by mails.
Embodiment
Core concept of the present invention is: in the setting that the E-Payment application of closing and opening on the smart card is provided on the portable terminal; When the user need close or unlocking electronic payment when using, on portable terminal, carry out corresponding setting or selection.
Specifically, portable terminal provides to pay by mails uses the setup menu of closing and opening, the user uses by the E-Payment that this setup menu is selected to close or open on the smart card, finish corresponding operating by smart card, perhaps the interface that is called smart card and provided by portable terminal is finished corresponding operating.Before carrying out corresponding operating, need the user to import correct PIN code or password, smart card is confirmed according to the user after checking the work at present state of paying by mails, is finished corresponding operating.Can show also in the setup menu that it is to be in to close or opening that current E-Payment is used.
Wherein, the mode of realization setup menu comprises:
(1) in smart card, realize setup menu:
Realize this setup menu by STK (SIM Tool Kit, subscriber identification module tool case) menu or smart card graphical interfaces or JSR177 client end interface; On portable terminal, select to close in this setup menu or unlocking electronic payment when using the corresponding operation of smart card response.
STK is the application menu of developing in the SIM card that portable terminal uses, and STK can be understood as the order of one group of exploitation value-added service, a kind of small-sized programming language, and it allows the application software based on user identification module (SIM card) operation oneself of smart card.
The smart card graphical interfaces is based on SCWS (Smart Card Web Sever, the smart card webserver) technology, utilize the browser of portable terminal and the BIP of standard (Bearer Independent Protocol, bearer independent protocol) the Sever agreement realizes, by the application in the multimedia interface displaying smart card.
JSR-177 is a kind of based on the Java DLL (dynamic link library) on portable terminal and the smart card communications passage, can allow portable terminal Java application access operate in data or application on the smart card, comprises the visit encryption function.JSR-177 is also referred to as safety and trust service API (SATSA, Security and TrustServices API), it makes smart card can serve as " security component " that portable terminal Java uses, make portable terminal use the application that to carry out customization operations, user identity identification and call customization, allow application provider can give full play to the effect of smart card.
(2) on portable terminal, realize setup menu:
Smart card provides relevant interface to portable terminal, portable terminal response user's operation, and the interface that calls smart card and provide is finished and is paid closing or open function of using by mails.
In order to guarantee to pay by mails the security of function, before paying the closing or open setting of application by mails, smart card prompting user imports smart card PIN sign indicating number (Personal Identification Number, PIN (Personal Identification Number)) or other passwords that preset, what checking was imported is just can be provided with behind correct PIN code or the password, otherwise end operation.
For preventing user misoperation, before paying the closing or open setting of application by mails, can point out the user to confirm whether will carry out this operation, and the work at present state of checking E-Payment, especially need to carry out and use when closing, to avoid the current ongoing professional loss of data of paying by mails.If the current electric payment transaction that carrying out can be preserved work at present or the wait work at present is finished or hard closing, this can select according to actual conditions and user's affirmation; If current do not have an ongoing transaction, then can after confirming, the user directly close.
After the E-Payment application is set to close, when smart card receives the order that contactless card reader sends, refusal and noncontact reader are carried out the mutual of electric payment transaction, like this, fundamentally closed to pay by mails and used, even this smart card is inserted into other to be supported can not carry out electric payment transaction in the portable terminal.
When the user needs again the unlocking electronic payment to use, open by aforesaid operations again.
In addition, after closing or opened the E-Payment application, the current E-Payment of preservation is used to be in and is closed or opening in the smart card, also shows this state on the setup menu interface synchronously.
The present invention is described in detail below in conjunction with drawings and the specific embodiments.
As shown in Figure 1, the E-Payment when realizing setup menu in smart card is used closes/opens flow process, comprises the steps and feature:
S101 realizes setup menu in smart card, the user selects to close or the unlocking electronic payment is used;
Wherein, realize that the mode of setup menu can comprise, portable terminal is by STK menu or smart card graphical interfaces or JSR177 client end interface setup menu;
S102, the smart card checking is closed or unlocking electronic payment application request, the password that the prompting user imports PIN code or presets;
S103, whether the PIN code or the password of checking user input be correct, if correct, then enter S104, otherwise end operation do not carried out request;
S104, smart card prompting user confirms, and the work at present state of judgement application, when especially carrying out shutoff operation, need to check the current ongoing electronic transaction that whether has, if have, can preserve work at present or wait for that work at present finishes or hard closing, this can select complete operation according to actual conditions and user's affirmation; If current do not have an ongoing transaction, then can after confirming, the user directly close;
S105, after operation was finished, smart card was preserved current being in of E-Payment application and is closed or opening, also shows this state on the setup menu interface synchronously.
As shown in Figure 2, the E-Payment when realizing setup menu on interface of mobile terminal is used closes/opens flow process, may further comprise the steps and feature:
S201, the menu on the interface that provides by portable terminal is selected to close or the unlocking electronic payment is used;
S202, smart card receive from request command portable terminal, the closing of predetermined format/unlocking electronic payment;
S203, the smart card checking is closed or unlocking electronic payment application request, the password that the prompting user imports PIN code or presets;
S204, whether the PIN code or the password of checking user input be correct, if correct, then enter S205, otherwise end operation do not carried out request;
S205, after portable terminal prompting user confirms that it will carry out this operation really, call the relevant interface function response request that smart card provides, the relevant interface function that described smart card provides is used to finish closes or unlocking electronic payment application, before closing the E-Payment application, smart card is judged the work at present state of using, check the current ongoing electronic transaction that whether has, if have, can preserve work at present or wait for that work at present finishes or hard closing, this can come complete operation according to actual conditions and user's selection; If current do not have an ongoing transaction, then can directly close;
S206, after operation was finished, smart card was preserved current being in of E-Payment application and is closed or opening, also shows this state on the interface of portable terminal synchronously.
When pay by mails to use be set to close after, when smart card receives the order that contactless card reader sends, refusal and noncontact reader are carried out the mutual of electric payment transaction.
When the user needs again the unlocking electronic payment to use, open by aforesaid operations again.
In the present invention, the user can be according to individual actual needs and actual operating position, close to pay by mails and use, for example, when the user feels temporarily not need to carry out electric payment transaction or before the user will lend other people to mobile phone temporarily, pay closing of application by mails, so, even stolen, property and information security in also can the lost electrons payment account.When the user need use E-Payment, open this again and use, strengthened security and dirigibility that electronic payment of mobile terminal is used.
Certainly; the present invention also can have other various embodiments; under the situation that does not deviate from spirit of the present invention and essence thereof; those of ordinary skill in the art work as can make various corresponding changes and distortion according to the present invention, but these corresponding changes and distortion all should belong to the protection domain of the appended claim of the present invention.

Claims (10)

1. pay the method that application is closed and opened by mails for one kind, it is characterized in that, in the setting that the E-Payment application of closing and opening on the smart card is provided on the portable terminal; When the user need close or unlocking electronic payment when using, on portable terminal, carry out corresponding setting.
2. the method for claim 1, it is characterized in that, describedly providing being set to that the E-Payment of closing and opening on the smart card uses on the portable terminal: portable terminal provides pays the setup menu that function is closed and opened by mails, and described setup menu is realized in smart card; On portable terminal, select to close in this setup menu or unlocking electronic payment when using the corresponding operation of smart card response.
3. method as claimed in claim 2 is characterized in that, realizes this setup menu by subscriber identification module tool case STK menu or smart card graphical interfaces or JSR177 client end interface.
4. the method for claim 1, it is characterized in that, describedly providing being set to that the E-Payment of closing and opening on the smart card uses on the portable terminal: portable terminal provides pays the setup menu that function is closed and opened by mails, and described setup menu is realized on portable terminal; Smart card provides interface to portable terminal, portable terminal response user's operation, and the interface that calls smart card and provide is finished and is paid closing or opening of using by mails.
5. the method for claim 1, it is characterized in that, before paying the closing or open setting of application by mails, smart card prompting user imports smart card PIN (Personal Identification Number) PIN code or other preset password, what checking was imported is just to be provided with behind correct PIN code or the password, otherwise end operation.
6. method as claimed in claim 2 is characterized in that, before paying the closing or open setting of application by mails, smart card prompting user confirms; When needs are closed when pay by mails using, whether after the user confirms, also checking currently has ongoing electronic transaction, if having, then preserves work at present or waits for that work at present finishes or hard closing; If current do not have an ongoing transaction, then after confirming, the user directly closes.
7. method as claimed in claim 4 is characterized in that, before paying the closing or open setting of application by mails, portable terminal prompting user confirms; When needs are closed when pay by mails using, after the user confirmed, smart card checked current whether ongoing electronic transaction is arranged, if having, then preserved work at present or waited for that work at present finishes or hard closing; If current do not have an ongoing transaction, then after confirming, the user directly closes.
8. the method for claim 1 is characterized in that, when pay by mails to use be set to close after, when smart card received the order that contactless card reader sends, refusal carried out the mutual of electric payment transaction with the noncontact reader.
9. method as claimed in claim 2 is characterized in that, after closing or opened the E-Payment application, the current E-Payment of preservation is used to be in and closed or opening in the smart card, also shows this state on the setup menu interface synchronously.
10. method as claimed in claim 4 is characterized in that, after closing or opened the E-Payment application, the current E-Payment of preservation is used to be in and closed or opening in the smart card, also shows this state on the interface of portable terminal synchronously.
CN2008101729776A 2008-10-23 2008-10-23 Method for closing and opening electronic payment application Expired - Fee Related CN101727705B (en)

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CN2008101729776A CN101727705B (en) 2008-10-23 2008-10-23 Method for closing and opening electronic payment application
PCT/CN2009/073562 WO2010045828A1 (en) 2008-10-23 2009-08-27 Method and apparatus of closing and opening electronic payment application

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CN2008101729776A CN101727705B (en) 2008-10-23 2008-10-23 Method for closing and opening electronic payment application

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CN103021082A (en) * 2012-12-13 2013-04-03 捷德(中国)信息科技有限公司 IC (Integrated Circuit) card transaction method and IC card
CN103164259A (en) * 2011-12-14 2013-06-19 国民技术股份有限公司 Terminal application management method
CN103810597A (en) * 2012-11-08 2014-05-21 杨建纲 Mobile device, payment transaction system and payment transaction method
WO2014190853A1 (en) * 2013-05-29 2014-12-04 Tencent Technology (Shenzhen) Company Limited Service locking method, apparatuses and systems thereof
CN105373751A (en) * 2014-08-29 2016-03-02 北京数码视讯科技股份有限公司 Control method, equipment, and system of non-contact intelligent card
CN105447354A (en) * 2015-11-04 2016-03-30 广东欧珀移动通信有限公司 Information processing method and apparatus
CN105574723A (en) * 2015-12-14 2016-05-11 联想(北京)有限公司 Information security processing method and security processing apparatus
CN106845613A (en) * 2017-02-09 2017-06-13 金邦达有限公司 The contactless application module method for closing of smart card and device
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CN103164259B (en) * 2011-12-14 2016-09-14 国民技术股份有限公司 Terminal applies management method
CN103810597A (en) * 2012-11-08 2014-05-21 杨建纲 Mobile device, payment transaction system and payment transaction method
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CN103021082A (en) * 2012-12-13 2013-04-03 捷德(中国)信息科技有限公司 IC (Integrated Circuit) card transaction method and IC card
US9954850B2 (en) 2013-05-29 2018-04-24 Tencent Technology (Shenzhen) Company Limited Service locking method, apparatuses and systems thereof
WO2014190853A1 (en) * 2013-05-29 2014-12-04 Tencent Technology (Shenzhen) Company Limited Service locking method, apparatuses and systems thereof
US10212151B2 (en) 2013-05-29 2019-02-19 Tencent Technology (Shenzhen) Company Limited Method for operating a designated service, service unlocking method, and terminal
CN105373751B (en) * 2014-08-29 2018-12-25 北京数码视讯科技股份有限公司 A kind of control method of contact type intelligent card, equipment and system
CN105373751A (en) * 2014-08-29 2016-03-02 北京数码视讯科技股份有限公司 Control method, equipment, and system of non-contact intelligent card
CN105447354A (en) * 2015-11-04 2016-03-30 广东欧珀移动通信有限公司 Information processing method and apparatus
CN105574723A (en) * 2015-12-14 2016-05-11 联想(北京)有限公司 Information security processing method and security processing apparatus
CN106845613A (en) * 2017-02-09 2017-06-13 金邦达有限公司 The contactless application module method for closing of smart card and device
CN107621977A (en) * 2017-09-28 2018-01-23 努比亚技术有限公司 A kind of control method of application, terminal and computer-readable recording medium
CN107621977B (en) * 2017-09-28 2021-06-18 努比亚技术有限公司 Application control method, terminal and computer readable storage medium

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WO2010045828A1 (en) 2010-04-29

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