CN101882230A - Method for online air recharging of financial radio-frequency IC card embedded into mobile phone SIM card slot - Google Patents
Method for online air recharging of financial radio-frequency IC card embedded into mobile phone SIM card slot Download PDFInfo
- Publication number
- CN101882230A CN101882230A CN2010102085665A CN201010208566A CN101882230A CN 101882230 A CN101882230 A CN 101882230A CN 2010102085665 A CN2010102085665 A CN 2010102085665A CN 201010208566 A CN201010208566 A CN 201010208566A CN 101882230 A CN101882230 A CN 101882230A
- Authority
- CN
- China
- Prior art keywords
- mobile phone
- card
- financial
- radio
- frequency
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Abstract
The invention discloses a method for the online air recharging of a financial radio-frequency IC card embedded into a mobile phone SIM card slot, which is characterized by comprising the followings steps: linking a bank server through a mobile network and sending out a consumption command by a mobile phone preset program to obtain a response that bank deduction is successful, then carrying out write operation for the financial radio-frequency IC card embedded into the mobile phone SIM card slot by the mobile phone preset program, and increasing the balance data of the IC card to realize the online air recharging of the IC card. The invention has the advantages that a user can recharge the financial IC card in a mobile phone at any time and at any place and can carry out shopping consumption at merchants deployed with financial POS machines after recharging, thereby the trouble that a mobile phone wallet needs to be recharged at the POS machine or a card reader field is avoided, and the convenience and the advantages of the mobile phone wallet are embodied.
Description
Technical field
The present invention relates to the online method of supplementing with money of a kind of financial radio-frequency IC-card in the air, the intersection that belongs to fields such as mobile e-business, financial IC card application, Mobile banking's mobile-phone payment, mobile phone terminal technology with combine.
Background technology
Along with China's mobile Internet Development of E-business, the user utilizes mobile phone to carry out increasing commercial activity.The user can connect the cell phone bank system of each tame bank by mobile phone terminal at present, enjoys remote anywhere or anytime financial service; Simultaneously the user also can carry out purchasing of various digital products on mobile phone, and has realized that the payment interface of utilizing bank to provide finishes remote payment.In recent years, utilize research that mobile phone closely pays as wallet also in continuous development, various methods are carried out pilot just throughout the country, supplement this difficult problem with money but all can't solve online in real time in method that all mobile phone wallets are closely paid and the process well.The mobile phone wallet of existing pilot all is to utilize traditional IC-card card reader or POS machine to carry out the scene to supplement with money, and therefore the mobile phone wallet method of supplementing with money is that the user must hold mobile phone and reaches the spot and just can carry out at present, has obstructed property and loaded down with trivial details property.The present invention will solve this road difficult problem in this field just.
Summary of the invention
The present invention for solve present all mobile phones closely in the payment activity circle of crucial mobile phone wallet deposit and not smooth problem, and propose a kind of the financial radio-frequency IC-card that embeds the mobile phone SIM draw-in groove to be carried out online method of supplementing with money in the air.The present invention utilizes the mobile phone initialize program to connect bank server the account fund is withholdd in real time, withhold and again the noncontact financial radio-frequency IC-card that embeds sim card slot is supplemented with money after the success, ideally solved the present cell phone bottleneck problem that closely mobile phone wallet is supplemented with money in the payment process.
Technical scheme of the present invention is, a kind of financial radio-frequency IC-card to embedding mobile phone SIM draw-in groove carries out online method of supplementing with money in the air, it is characterized in that, the mobile phone initialize program links bank server by the mobile network and sends the consumption order, obtaining bank withholds after the response of success, by the mobile phone initialize program financial radio-frequency IC-card that embeds the mobile phone SIM draw-in groove is carried out write operation again, increase the balance data of this IC-card, supplement with money in the air to realize that this IC-card is online.The mobile phone initialize program allows the user both can inquire about the remaining sum and the transaction situation of bank account, also can inquire about the remaining sum of IC of embedding and the transaction situation of supplementing with money and using.
In the such scheme, step to this IC-card write operation is, the api command that uses mobile phone operating system to provide carries out write operation to the 0x6f3a or the 0x6f3c address of SIM card, and wherein 0x6f3a is the initial storage address of SIM card telephone directory, and 0x6f3c is the initial storage address of SIM card note.
In the such scheme, the api command that the mobile phone initialize program utilizes mobile phone operating system to provide carries out read operation to the 0x6f3a or the 0x6f3c address of SIM card, to realize this IC-card query function.
Key link of the present invention be the mobile phone initialize program use dexterously that mobile phone operating system provides the api interface program of record is read and write in addresses such as the note of SIM card and telephone directory, with the supplement function of this Application of Interface in the IC-card wallet, this is right of the present invention place.Simultaneously, to be used to embed the method for operating of the financial IC card of mobile phone all be right of the present invention place to all read write commands to other records of SIM card that provided by mobile phone operating system that are similar to this class.
The invention has the beneficial effects as follows: adopt this method mobile phone to withhold by mobile network's direct connection bank and to account, again the SMD financial IC card that embeds sim card slot is supplemented with money, deposit thereby finish in the mobile phone circle of financial IC card, make mobile phone and financial IC card ideally be combined into mobile phone wallet.The user can supplement with money for the financial IC card in the mobile phone whenever and wherever possible, just can be after supplementing with money in arrangement the trade company of financial POS machine carry out purchase and consumption, the trouble of having avoided mobile phone wallet to supplement with money must going to POS machine or card reader scene to carry out embodies the facility and the advantage of mobile phone wallet.
Description of drawings
Accompanying drawing is a realization schematic diagram of the present invention.
Embodiment
Further specify the present invention below in conjunction with the drawings and specific embodiments, following embodiment only is used to the present invention is described but not limitation of the present invention.
With reference to accompanying drawing, to have the embedded radio frequency financial IC card that meets People's Bank of China's standard and be the paster financial IC card is inserted between SIM card and the sim card slot as the tangible media of mobile phone wallet, connect bank with the mobile phone initialize program by various mobile networks such as GPRS or CDMA, fund circle in the bank account is deposited in the internal memory of this financial IC card, deposited operation whenever and wherever possible thereby allow the user use financial IC card in contactless payment activity closely, to enclose from the fund of bank account easily.This method realizes by following steps:
1. mobile phone initialize program
Mobile banking's server
The mobile phone initialize program is initiated consumption order by real-time communication mode and bank server communications such as socket to bank account, and receives the result of bank's end server.
2. mobile phone initialize program
Embedded financial IC card
If bank account is withholdd successfully, after the mobile phone initialize program obtains confirming to respond, call the 0x6f3a or the 0x6f3c address of SIM card record read-write API Access SIM card again, concurrent going too far deposited instruction, the financial IC card program is handled after depositing instruction by the circle of specific record read-write program being intercepted mobile phone end and being sent, and after finishing dealing with data is returned to the mobile phone initialize program.If not the read write command that the mobile phone initialize program is sent, the IC-card program is not tackled, directly with other record read-write API then transparent transmission to the mobile phone SIM card.
This method can realize real-time communication, and packet can not postpone; And security and good confidentiality.
Claims (3)
1. the financial radio-frequency IC-card to embedding mobile phone SIM draw-in groove carries out online method of supplementing with money in the air, it is characterized in that, the mobile phone initialize program links bank server by the mobile network and sends the consumption order, obtaining bank withholds after the response of success, by the mobile phone initialize program financial radio-frequency IC-card that embeds the mobile phone SIM draw-in groove is carried out write operation again, increase the balance data of this IC-card, supplement with money in the air to realize that this IC-card is online.
2. the method for claim 1, it is characterized in that, step to this IC-card write operation is, the api command that uses mobile phone operating system to provide carries out write operation to the 0x6f3a or the 0x6f3c address of SIM card, wherein 0x6f3a is the initial storage address of SIM card telephone directory, and 0x6f3c is the initial storage address of SIM card note.
3. method as claimed in claim 2 is characterized in that, the api command that the mobile phone initialize program utilizes mobile phone operating system to provide carries out read operation to the 0x6f3a or the 0x6f3c address of SIM card, to realize this IC-card query function.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102085665A CN101882230A (en) | 2010-06-24 | 2010-06-24 | Method for online air recharging of financial radio-frequency IC card embedded into mobile phone SIM card slot |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102085665A CN101882230A (en) | 2010-06-24 | 2010-06-24 | Method for online air recharging of financial radio-frequency IC card embedded into mobile phone SIM card slot |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101882230A true CN101882230A (en) | 2010-11-10 |
Family
ID=43054242
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010102085665A Pending CN101882230A (en) | 2010-06-24 | 2010-06-24 | Method for online air recharging of financial radio-frequency IC card embedded into mobile phone SIM card slot |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101882230A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102567773A (en) * | 2010-12-09 | 2012-07-11 | 北京华虹集成电路设计有限责任公司 | Integrated Circuit (IC) card and finance processing system |
| CN103559757A (en) * | 2013-11-21 | 2014-02-05 | 武汉天喻信息产业股份有限公司 | OTA (over the air) charging system and method for financial IC (integrated circuit) card |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1933351A (en) * | 2006-09-27 | 2007-03-21 | 上海复旦微电子股份有限公司 | Mobile telephone apparatus realizing method with non-contact IC card or electronic label and non-contact IC card or electronic label read/write device application |
| CN201134850Y (en) * | 2007-08-29 | 2008-10-15 | 中国移动通信集团广东有限公司 | Non-contact IC card mobile phone paying charging system |
| CN101582141A (en) * | 2009-06-15 | 2009-11-18 | 中国电信股份有限公司 | Online recharging method based on RFID card terminal of mobile sticker and system |
-
2010
- 2010-06-24 CN CN2010102085665A patent/CN101882230A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1933351A (en) * | 2006-09-27 | 2007-03-21 | 上海复旦微电子股份有限公司 | Mobile telephone apparatus realizing method with non-contact IC card or electronic label and non-contact IC card or electronic label read/write device application |
| CN201134850Y (en) * | 2007-08-29 | 2008-10-15 | 中国移动通信集团广东有限公司 | Non-contact IC card mobile phone paying charging system |
| CN101582141A (en) * | 2009-06-15 | 2009-11-18 | 中国电信股份有限公司 | Online recharging method based on RFID card terminal of mobile sticker and system |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102567773A (en) * | 2010-12-09 | 2012-07-11 | 北京华虹集成电路设计有限责任公司 | Integrated Circuit (IC) card and finance processing system |
| CN103559757A (en) * | 2013-11-21 | 2014-02-05 | 武汉天喻信息产业股份有限公司 | OTA (over the air) charging system and method for financial IC (integrated circuit) card |
| CN103559757B (en) * | 2013-11-21 | 2015-12-09 | 武汉天喻信息产业股份有限公司 | A kind of aerial charging system of financial IC card and method |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN101719249B (en) | Mobile terminal charge/pay system and method based on FRID technology | |
| US7992792B2 (en) | Portable payment device | |
| WO2011018044A1 (en) | Electronic purse device | |
| CN101923757A (en) | Mobile payment management system | |
| CN102737308A (en) | Mobile terminal and method and system for inquiring information of intelligent card | |
| CN101546401A (en) | Electronic payment method and system based on NFC mobile terminal | |
| CN101867396A (en) | NFC-based electronic certificate transfer method and system, POS machine and NFC terminal | |
| CN101763688A (en) | Non-contact type handheld payment terminal based bus fee paying system and method thereof | |
| CN101609582A (en) | Be used to realize terminal, and the implementation method of terminal payment of wallet payment | |
| CN101577026A (en) | Method and system for realizing mobile self-service charging and consumption of electronic wallet | |
| CN201156262Y (en) | Small payment system for mobile phone | |
| CN102568095B (en) | Smart card recharging method and system and device utilizing same | |
| CN101001297A (en) | Service metering system and R-W transmission device | |
| CN101882230A (en) | Method for online air recharging of financial radio-frequency IC card embedded into mobile phone SIM card slot | |
| CN103729936A (en) | Mobile recharge, inquiring and payment system and method based on NFC terminal | |
| CN101859458A (en) | Method for realization of field mobile payment based on mobile phone | |
| CN105096452A (en) | Short-distance communication terminal and smart card recharging system and method | |
| CN101923753A (en) | System and method for managing electronic currency | |
| CN103577980A (en) | Wireless payment change returning system and corresponding method | |
| Liu et al. | The GPRS mobile payment system based on RFID | |
| CN101853544A (en) | Mobile terminal and consumption information processing method | |
| CN102436617B (en) | Smart card transaction processing system, method, smart card and mobile terminal case | |
| CN102542691B (en) | Method for realizing bank card transaction between mobile phones in point-to-point way | |
| KR101566018B1 (en) | integredat-prepayment electronic cash card system with non-compatable multi-infra rechargeability | |
| CN101609575B (en) | Method for automatically acquiring rechargeable card and device thereof |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20101110 |