CN102005088A - Non-contact payment method, system and mobile terminal based on electronic wallet - Google Patents

Non-contact payment method, system and mobile terminal based on electronic wallet Download PDF

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Publication number
CN102005088A
CN102005088A CN2010105348639A CN201010534863A CN102005088A CN 102005088 A CN102005088 A CN 102005088A CN 2010105348639 A CN2010105348639 A CN 2010105348639A CN 201010534863 A CN201010534863 A CN 201010534863A CN 102005088 A CN102005088 A CN 102005088A
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China
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described
payment
request
spending limit
subscriber identity
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CN2010105348639A
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Chinese (zh)
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CN102005088B (en
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李�真
董亚楠
陈洪
张柳成
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中国电信股份有限公司
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Abstract

The invention discloses a non-contact payment method, system and mobile terminal based on an electronic wallet. The method comprises the following steps: a point-of-sale (POS) terminal reads single-time consumption limit information stored in a mobile terminal, receives a payment request and identifies whether the consumption sum is greater than the single-time consumption limit, wherein the payment request includes the consumption sum information; if the consumption sum is not greater than the single-time consumption limit, the POS terminal interacts with a user identification module and performs transaction processing in accordance with the payment request; if the consumption sum is greater than the single-time consumption limit, the POS terminal produces and outputs a prompting message of inputting the payment password; the POS terminal receives the payment password and transmits a password verification request to the user identification module, wherein the password verification request includes the received payment password; and the user identification module verifies the payment password in the password verification request, interacts with the POS terminal after the payment password passes the verification and performs transaction processing in accordance with the payment request. Based on the condition that consumption based on the electronic wallet can meet small-payment transaction demands, the embodiment of the invention can effectively ensure the safety of the large payment.

Description

Contactless payment method and system, portable terminal based on stored value card

Technical field

The present invention relates to contactless payment technology, especially a kind of contactless payment method and system, portable terminal based on stored value card based on stored value card.

Background technology

Realization along with the mobile payment technology, especially the contactless payment technology reaches its maturity and the remarkable change of the professional general layout of Communication in China, based on portable terminal also is that the contactless payment technology of mobile phone has shone present flourish vital, and has obtained using widely in each field.Contactless payment technology based on portable terminal, the e-wallet information of mobile phone users is built into mobile terminal user identification module (User Identifier Module, hereinafter to be referred as: UIM) or subscriber identification card (subscriber identity module, hereinafter to be referred as: SIM).The user to write UIM or SIM (below be designated as: UIM/SIM) behind the store electrons cash, can by the noncontact mode in online point of sale (Point of Sale, hereinafter to be referred as: POS) the brush portable terminal is finished payment on the terminal, thereby carries out off-line consumption.With traditional based on contact magnetic stripe card or integrated circuit (integrated circuit, hereinafter to be referred as: IC) mode of card bankcard consumption is compared, given more strong functions of portable terminal based on the noncontact consumption pattern of stored value card in the portable terminal, the user can realize consumption based on portable terminal, need not to carry special magnetic stripe card or IC-card, easy to use.

At present, can utilize radio frequency (radio frequency, hereinafter to be referred as: RF) the encrypting and authenticating technology of the communication technology and mobile smartcard, guarantee that portable terminal UIM/SIM goes up the consumption fast and safely of off line stored value card, therefore, to the contactless payment technology (being designated hereinafter simply as: based on the contactless payment technology of stored value card) based on stored value card in the portable terminal, the user carries the induction zone that portable terminal enters the POS terminal, promptly can read e-wallet information.Because the fund in the stored value card all is kept among the UIM/SIM, the validation of payment password of needn't communicating by letter with account's background system can be realized offline transaction, finishes payment, thereby simplifies transaction flow, accelerates the operation speed.

In realizing process of the present invention, the inventor finds that there is following problem in prior art at least based on the contactless payment technology of stored value card:

Utilize the encrypting and authenticating technology of the RF communication technology and mobile smartcard, only can guarantee the legitimacy of POS terminal and UIM/SIM, and can't guarantee the legitimacy of consumption user, after other user obtains portable terminal by back door, the amount of money among the possible malice consumption portable terminal UIM/SIM.Therefore, cause concentrating being used to carry out small amount payment, limited based on the application of the contactless payment technology consumption of stored value card in the wholesale payment technical field based on the contactless payment technology consumption of stored value card.

Summary of the invention

Embodiment of the invention technical matters to be solved is: a kind of contactless payment method and system, portable terminal based on stored value card is provided, to satisfy under the situation of small amount payment transactions demand in stored value card consumption, effectively guarantees the wholesale security of payment.

For solving the problems of the technologies described above, a kind of contactless payment method based on portable terminal that the embodiment of the invention provides comprises:

Point of sale POS terminal reads the single Spending Limit information of storing in the stored value card on the Subscriber Identity Module identification information and this Subscriber Identity Module in the portable terminal that enters this POS terminal induction district;

Described POS terminal receives Payment Request, comprises the consumption amount information in the described Payment Request;

Whether the described consumption amount of money of described POS terminal recognition is greater than described single Spending Limit;

If the described consumption amount of money is not more than described single Spending Limit, described POS terminal and described Subscriber Identity Module are mutual, carry out transaction processing at described Payment Request;

If the described consumption amount of money is greater than described single Spending Limit, described POS terminal produces and exports the information of input payment cipher; Described POS terminal receives payment cipher and sends the password authentification request to described Subscriber Identity Module, comprises the payment cipher that receives in the described password authentification request; Described Subscriber Identity Module verifies the payment cipher in the described password authentification request, and the payment cipher in described password authentification request with described POS terminal interaction, carries out transaction processing at described Payment Request during by checking.

A kind of point of sales terminal that the embodiment of the invention provides comprises:

Read module is used for reading the single Spending Limit information of storing in the stored value card on the portable terminal Subscriber Identity Module identification information that enters this POS terminal induction district and this Subscriber Identity Module;

First receiver module is used to receive the payment cipher of Payment Request and user input, comprises the consumption amount information in the described Payment Request; And receive the password authentification result that described Subscriber Identity Module returns;

Whether identification module is used to discern the described consumption amount of money greater than described single Spending Limit;

Output module is used for the recognition result according to described identification module, during greater than described single Spending Limit, produces the also information of output input payment cipher at the described consumption amount of money;

First sending module is used for the recognition result according to described identification module, when the described consumption amount of money is not more than described single Spending Limit, sends the transaction indication to described Subscriber Identity Module; At the described consumption amount of money during greater than described single Spending Limit, send the password authentification request to described Subscriber Identity Module, comprise the payment cipher that described first receiver module receives in the described password authentification request, and the password authentification result who receives according to described first receiver module, know that payment cipher in the described password authentification request by when checking, sends the transaction indication to described Subscriber Identity Module;

The first transaction processing module is used for mutual according to described first sending module, described first receiver module and described Subscriber Identity Module, carries out transaction processing at described Payment Request.

A kind of portable terminal that the embodiment of the invention provides comprises:

Stored value card is used to store single Spending Limit information and payment cipher;

Subscriber Identity Module is used to store Subscriber Identity Module identification information and stored value card;

Radio-frequency communication module is used for RF-wise and the POS terminal communication that produces the induction zone that described portable terminal enters, so that described POS terminal reads described Subscriber Identity Module identification information and described single Spending Limit information;

Second receiver module is used to receive the password authentification request and transaction indication that described POS terminal sends, and comprises the payment cipher that receives in the described password authentification request;

Password authentication module, the payment cipher that is used for storing according to described stored value card is verified the payment cipher in the described password authentification request;

Second sending module is used for described password authentication module and payment cipher is verified the password authentification result who obtains;

The second transaction processing module is used for mutual according to described second sending module, described second receiver module and described POS terminal, carries out transaction processing at described Payment Request.

A kind of contactless payment system that the embodiment of the invention provides based on stored value card, comprise POS terminal and portable terminal, described POS terminal is used for reading the single Spending Limit information of storing in the stored value card on the portable terminal Subscriber Identity Module identification information that enters this POS terminal induction district and this Subscriber Identity Module; Receive Payment Request, comprise the consumption amount information in the described Payment Request; Whether discern the described consumption amount of money greater than described single Spending Limit; If the described consumption amount of money is not more than described single Spending Limit, mutual with described Subscriber Identity Module, carry out transaction processing at described Payment Request; If the described consumption amount of money greater than described single Spending Limit, produces and the information of output input payment cipher; Receive payment cipher and send the password authentification request, comprise the payment cipher that receives in the described password authentification request to described Subscriber Identity Module;

Described portable terminal is used for by described Subscriber Identity Module the payment cipher of described password authentification request being verified, and the payment cipher in described password authentification request is by when checking, with described POS terminal interaction, carry out transaction processing at described Payment Request.

A kind of contactless payment method and system that the embodiment of the invention provides based on stored value card, portable terminal, can in portable terminal, set in advance based on the single Spending Limit of stored value card consumption and above the payment cipher that need provide when the amount of money surpasses this single Spending Limit is provided, when the user carries out consumption and payment by stored value card, whether the POS terminal recognition consumption amount of money is greater than the single Spending Limit, when the consumption amount of money is not more than the single Spending Limit, POS terminal and portable terminal are mutual, directly carry out transaction processing, improved the transactions velocity of small amount payment, make things convenient for the convenient payment of small amount, thereby satisfied the small amount payment transactions demand; Consuming the amount of money greater than the single Spending Limit, POS terminal notifying user imports payment cipher and by portable terminal the payment cipher of user's input is verified, only when the payment cipher of user's input passes through checking, just carry out transaction processing, thereby effectively guaranteed the wholesale security of payment, promoted based on the application of the contactless payment technology consumption of stored value card in the wholesale payment technical field.

Below by drawings and Examples, technical scheme of the present invention is described in further detail.

Description of drawings

In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art, to do to introduce simply to the accompanying drawing of required use in embodiment or the description of the Prior Art below, apparently, accompanying drawing in describing below only is some embodiments of the present invention, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.

Fig. 1 is the process flow diagram that the present invention is based on an embodiment of contactless payment method of stored value card;

Fig. 2 is used for revising the UTK menu or the STK menu function synoptic diagram of the portable terminal of single Spending Limit for the present invention;

Fig. 3 is the process flow diagram that the present invention is based on another embodiment of contactless payment method of stored value card;

Fig. 4 is the structural representation of an embodiment of POS terminal of the present invention;

Fig. 5 is the structural representation of an embodiment of portable terminal of the present invention;

Fig. 6 is the structural representation that the present invention is based on an embodiment of contactless payment system of stored value card.

Embodiment

Below in conjunction with the accompanying drawing in the embodiment of the invention, the technical scheme in the embodiment of the invention is clearly and completely described, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to the scope of protection of the invention not making the every other embodiment that is obtained under the creative work prerequisite.

Fig. 1 is the process flow diagram that the present invention is based on an embodiment of contactless payment method of stored value card.As shown in Figure 1, the contactless payment method based on stored value card of this embodiment comprises following flow process:

Step 101, POS terminal read the single Spending Limit information of storing in the stored value card on the Subscriber Identity Module identification information and this Subscriber Identity Module in the portable terminal that enters this POS terminal induction district.

Concrete, Subscriber Identity Module can comprise the electronic cash card that is used for independent store electrons cash in UIM, SIM, the portable terminal any one or multiple.

Step 102, the POS terminal receives Payment Request, comprises in this Payment Request that the user is used to carry out the consumption amount information of consumption and payment.

Step 103, whether the POS terminal recognition consumption amount of money is greater than the single Spending Limit.If the consumption amount of money is not more than the single Spending Limit, execution in step 104; Otherwise, execution in step 105.

Step 104, POS terminal and Subscriber Identity Module are mutual, carry out transaction processing at the Payment Request that receives.

Afterwards, no longer carry out the follow-up flow process of present embodiment.

Step 105, the POS terminal produces and exports the information of input payment cipher.

Step 106, POS terminal receive payment cipher and send the password authentification request to Subscriber Identity Module, comprise the payment cipher that receives in this password authentification request.

Step 107, Subscriber Identity Module verify the payment cipher in the password authentification request, and the payment cipher in the password authentification request with the POS terminal interaction, carries out transaction processing at Payment Request during by checking.

Concrete, as an embodiment, Subscriber Identity Module is verified the payment cipher in the password authentification request: Subscriber Identity Module obtains the payment cipher of storing in the stored value card, and whether the payment cipher in the password comparison checking request is consistent with the payment cipher of storage; When the payment cipher in the password authentification request is consistent with the payment cipher of storage, think that the payment cipher in the password authentification request passes through checking.

The contactless payment method that the above embodiment of the present invention provides based on stored value card, can in portable terminal, set in advance based on the single Spending Limit of stored value card consumption and above the payment cipher that need provide when the amount of money surpasses this single Spending Limit is provided, when the user carries out consumption and payment by stored value card, whether the POS terminal recognition consumption amount of money is greater than the single Spending Limit, when the consumption amount of money is not more than the single Spending Limit, POS terminal and portable terminal are mutual, directly carry out transaction processing, improved the transactions velocity of small amount payment, make things convenient for the convenient payment of small amount, thereby satisfied the small amount payment transactions demand; Consuming the amount of money greater than the single Spending Limit, POS terminal notifying user imports payment cipher and by portable terminal the payment cipher of user's input is verified, only when the payment cipher of user's input passes through checking, just carry out transaction processing, thereby effectively guaranteed the wholesale security of payment, promoted based on the application of the contactless payment technology consumption of stored value card in the wholesale payment technical field.

As a specific embodiment of the present invention, in step 104, POS terminal and Subscriber Identity Module comprise alternately: the POS terminal sends the transaction indication to Subscriber Identity Module.

As another specific embodiment of the present invention, in the step 107, Subscriber Identity Module and POS terminal interaction comprise: Subscriber Identity Module returns the password authentification result to the POS terminal; The POS terminal is according to the password authentification result that Subscriber Identity Module returns, and when knowing that payment cipher in the password authentification request is by checking, sends the transaction indication to Subscriber Identity Module.

As another specific embodiment of the present invention, also comprise: storage single Spending Limit and payment cipher in stored value card, perhaps the single Spending Limit of storage is made amendment.

Concrete, can make amendment to the single Spending Limit of storage in the following way:

Subscriber Identity Module receives the user by UIM development kit (the UIM card Tool Kit in the portable terminal, hereinafter to be referred as: UTK) menu or SIM application development tool (SIM Tool Kit, hereinafter to be referred as: STK) the single Spending Limit of menu transmission is revised request, and this single Spending Limit is revised in the request and comprised new single Spending Limit information and payment cipher; The payment cipher that Subscriber Identity Module is revised in the request the single Spending Limit is verified, whether relatively the single Spending Limit is revised the single Spending Limit of storing in payment cipher and the stored value card in the request consistent, if the two unanimity, then the payment cipher in the single Spending Limit modification request is by checking, with the new single Spending Limit in the single Spending Limit modification request of storage.

As shown in Figure 2, be used for revising the UTK menu or the STK menu function synoptic diagram of the portable terminal of single Spending Limit for the present invention.As shown in Figure 2, after the user entered UTK/STK menu in the portable terminal, it showed function choosing-items such as online consumption account, stored value card, electronic ticket, reward voucher.The user moves to the stored value card option by mobile terminal key with cursor and when selecting, enters the stored value card menu; Comprise wallet balances, transaction details, single Spending Limit in the stored value card menu, revise the payment cipher function choosing-item; The user moves to single Spending Limit function choosing-item by mobile terminal key with cursor and when selecting, enter single Spending Limit menu, can show former single Spending Limit XX.XX, and have whether need to change function choosing-item, the user moves to cursor when whether needing to change function choosing-item by mobile terminal key, can return previous menu by " returning " function key of selecting Spending Limit menu below, withdraw from single Spending Limit menu; Can enter the next stage menu by the "Yes" function key of selecting single Spending Limit menu below, import payment cipher by showing " please import payment cipher " prompting user: * * * * * *; Then, the user can return previous menu by " returning " function key of selecting single Spending Limit menu below, abandon importing payment cipher, perhaps the user enters the next stage menu by " affirmation " function key of selecting Spending Limit setup menu below after inputing password * * * * * *; By showing that " please import new single Spending Limit " prompting user imports new single Spending Limit: YY.YY; Can return previous menu by " returning " function key of selecting single Spending Limit menu below then, abandon new Spending Limit setting, after perhaps importing new single Spending Limit YY.YY, send Spending Limit by " affirmation " function key of selecting Spending Limit setup menu below and revise request.

Fig. 3 is the process flow diagram that the present invention is based on another embodiment of contactless payment method of stored value card.When mobile phone users carries out consumption and payment based on the contactless payment technology of stored value card, by the operator POS terminal is operated, and the Subscriber Identity Module in portable terminal or the portable terminal is placed in prompting, after the user provides Subscriber Identity Module in portable terminal or the portable terminal, as shown in Figure 3, the contactless payment method based on stored value card of this embodiment comprises following flow process:

Step 201, after the operator selected stored value card consumption, the POS terminal read the single Spending Limit information of storing in the stored value card on the Subscriber Identity Module identification information and this Subscriber Identity Module in the portable terminal that enters this POS terminal induction district.

Concrete, Subscriber Identity Module can comprise the electronic cash card that is used for independent store electrons cash in UIM, SIM, the portable terminal any one or multiple.

Step 202, the POS terminal receives Payment Request, comprises in this Payment Request that the user is used to carry out the consumption amount information of consumption and payment.

Step 203, whether the POS terminal recognition consumption amount of money is greater than the single Spending Limit.If the consumption amount of money is not more than the single Spending Limit, execution in step 204; Otherwise, execution in step 205.

Step 204, the POS terminal sends the transaction indication to Subscriber Identity Module, and execution in step 210 then.

Step 205, the POS terminal produces and exports the information of input payment cipher.

Step 206, POS terminal receive payment cipher and send the password authentification request to Subscriber Identity Module, comprise the payment cipher that receives in this password authentification request.

Step 207, Subscriber Identity Module are obtained the payment cipher of storing in the stored value card, and whether the payment cipher in the password comparison checking request is consistent with the payment cipher of storage.When the payment cipher in the password authentification request is consistent with the payment cipher of storage, think that the payment cipher in the password authentification request passes through checking, execution in step 208; Otherwise, do not carry out the follow-up flow process of present embodiment.

Step 208, Subscriber Identity Module returns the password authentification result to the POS terminal.

Step 209, POS terminal be according to the password authentification result that Subscriber Identity Module returns, and when knowing that payment cipher in the password authentification request is by checking, sends the transaction indication to Subscriber Identity Module.

Step 210, Subscriber Identity Module produces pseudo random number (ICC) and process key (SK), and SK is sent to the POS terminal.

Step 211, the POS terminal utilizes SK that fixed data is encrypted, and produces message authentication sign indicating number (MAC1) and sends to Subscriber Identity Module.

Step 212, Subscriber Identity Module adopts SK that MAC1 is verified, and when MAC1 passes through checking, the deduction consumption amount of money the remaining sum of stored value card from Subscriber Identity Module, the generation message other sign indicating numbers of label (MAC2) are with transaction journal account (TAC) and send to the POS terminal.TAC wherein can comprise: dealing money is promptly consumed information such as the amount of money, loco, exchange hour, POS terminal iidentification.

Step 213, POS terminal are verified MAC2, and when MAC2 passes through checking, are preserved TAC.

Fig. 4 is the structural representation of an embodiment of POS terminal of the present invention.Account's background system of this embodiment can be used for realizing above-mentioned each corresponding function based on POS terminal among the contactless payment method embodiment of stored value card of the present invention.As shown in Figure 4, it comprises read module 301, first receiver module 302, identification module 303, output module 304, first sending module 305 and the first transaction processing module 306.

Wherein, read module 301 is used for reading the single Spending Limit information of storing in the stored value card on the portable terminal Subscriber Identity Module identification information that enters this POS terminal induction district and this Subscriber Identity Module.First receiver module 302 is used to receive the payment cipher of Payment Request and user's input, wherein comprises the consumption amount information in the Payment Request; And receive the password authentification result that Subscriber Identity Module returns.The single Spending Limit of storing in the stored value card whether the consumption amount of money that identification module 303 is used for discerning the Payment Request that first receiver module 302 receives reads greater than read module 301.Output module 304 is used for the recognition result according to identification module 303, when consuming the amount of money greater than the single Spending Limit, produces the also information of output input payment cipher.First sending module 305 is used for the recognition result according to identification module 303, when the consumption amount of money is not more than the single Spending Limit, sends the transaction indication to Subscriber Identity Module; When consuming the amount of money greater than the single Spending Limit, send the password authentification request to Subscriber Identity Module, comprise the payment cipher that first receiver module 302 receives in this password authentification request, and the password authentification result who receives according to first receiver module 302, know that payment cipher in the password authentification request by when checking, sends the transaction indication to Subscriber Identity Module.The first transaction processing module 306 is used for according to first sending module 305, first receiver module 302 mutual with Subscriber Identity Module, carries out transaction processing at the Payment Request that first receiver module 302 receives.The process of carrying out transaction processing at Payment Request can be referring to the step 210-step 213 in embodiment illustrated in fig. 3.

The POS terminal that the above embodiment of the present invention provides, can be when the user carries out consumption and payment by stored value card, whether the identification consumption amount of money is greater than the default single Spending Limit that is provided with in the portable terminal, when the consumption amount of money is not more than the single Spending Limit, POS terminal and portable terminal are mutual, directly carry out transaction processing, have improved the transactions velocity of small amount payment, make things convenient for the convenient payment of small amount, thereby satisfied the small amount payment transactions demand; Consuming the amount of money greater than the single Spending Limit, POS terminal notifying user imports payment cipher and by portable terminal the payment cipher of user's input is verified, only when the payment cipher of user's input passes through checking, just carry out transaction processing, thereby effectively guaranteed the wholesale security of payment, promoted based on the application of the contactless payment technology consumption of stored value card in the wholesale payment technical field.

Fig. 5 is the structural representation of an embodiment of portable terminal of the present invention.The portable terminal of this embodiment can be used for realizing above-mentioned each corresponding function based on portable terminal in the contactless payment method of stored value card of the present invention.As shown in Figure 5, it comprises stored value card 401, Subscriber Identity Module 402, RF communication module 403, second receiver module 404, password authentication module 405, second sending module 406 and the second transaction processing module 407.

Wherein, stored value card 401 is used to store single Spending Limit information and payment cipher.Subscriber Identity Module 402 is used to store Subscriber Identity Module identification information and stored value card.Concrete, this Subscriber Identity Module 402 can be the electronic cash card that is exclusively used in the store electrons cash in UIM, SIM and/or the portable terminal.RF communication module 403 is used for RF mode and the POS terminal communication that produces the induction zone that portable terminal enters, so that the POS terminal reads the single Spending Limit information in Subscriber Identity Module 402 identification informations and the stored value card.Second receiver module 404 is used to receive the password authentification request and transaction indication that the POS terminal sends, and comprises the payment cipher that receives in this password authentification request.The payment cipher that password authentication module 405 is used in the password authentification request that the payment cipher stored according to stored value card receives second receiver module 404 is verified.Second sending module 406 is used for sending 405 pairs of payment ciphers of password authentication module to the POS terminal and verifies the password authentification result who obtains.The second transaction processing module 407 is used for according to second sending module 406, second receiver module 404 mutual with the POS terminal, carries out transaction processing at Payment Request.The process of carrying out transaction processing at Payment Request can be referring to the step 210-step 213 in embodiment illustrated in fig. 3.

The portable terminal that the above embodiment of the present invention provides, can set in advance based on the single Spending Limit of stored value card consumption and above the payment cipher that need provide when the amount of money surpasses this single Spending Limit is provided, when the user carries out consumption and payment by stored value card, whether the POS terminal recognition consumption amount of money is greater than the single Spending Limit, when the consumption amount of money is not more than the single Spending Limit, POS terminal and portable terminal are mutual, directly carry out transaction processing, improved the transactions velocity of small amount payment, make things convenient for the convenient payment of small amount, thereby satisfied the small amount payment transactions demand; Consuming the amount of money greater than the single Spending Limit, POS terminal notifying user imports payment cipher and by portable terminal the payment cipher of user's input is verified, only when the payment cipher of user's input passes through checking, just carry out transaction processing, thereby effectively guaranteed the wholesale security of payment, promoted based on the application of the contactless payment technology consumption of stored value card in the wholesale payment technical field.

Corresponding with above-mentioned contactless payment method embodiment based on stored value card, another embodiment as portable terminal of the present invention, among the portable terminal embodiment shown in Figure 5, second receiver module 404 also is used to receive the user and revises request by the single Spending Limit that UTK menu or STK menu send, and this single Spending Limit is revised in the request and comprised the new single Spending Limit information that payment cipher and user's desired modifications arrive.Accordingly, password authentication module 405 also is used for single Spending Limit that second receiver module 404 is received and revises the payment cipher of request and verify.Portable terminal also comprises update module 408, be used for password authentification result according to password authentication module 405, when the payment cipher in single Spending Limit modification request passes through checking, with the new single Spending Limit in the single Spending Limit modification request of storage in the stored value card 401.

Fig. 6 is the structural representation that the present invention is based on an embodiment of contactless payment system of stored value card.This embodiment can be used for realizing above-mentioned each the contactless payment method flow based on stored value card of the present invention based on the contactless payment system of stored value card.As shown in Figure 6, it comprises POS terminal 1 and portable terminal 2.Wherein, POS terminal 1 is used for reading the single Spending Limit information of storing in the stored value card on the portable terminal 2 Subscriber Identity Module identification informations that enter this POS terminal 1 induction zone and this Subscriber Identity Module; Receive Payment Request, comprise the consumption amount information in this Payment Request; Whether the consumption amount of money in the identification Payment Request is greater than the single Spending Limit; If the consumption amount of money is not more than the single Spending Limit, and is mutual with Subscriber Identity Module, carry out transaction processing at Payment Request; If the consumption amount of money greater than the single Spending Limit, produces and the information of output input payment cipher; Receive payment cipher and send the password authentification request, comprise the payment cipher that receives in this password authentification request to Subscriber Identity Module.

Portable terminal 2 is used for the payment cipher of the password authentification request that POS terminal 1 sent by Subscriber Identity Module to be verified, and the payment cipher in the password authentification request is mutual with POS terminal 1 during by checking, carries out transaction processing at Payment Request.

Among the embodiment of the contactless payment system based on stored value card shown in Figure 6, POS terminal 1 specifically can realize by POS terminal embodiment illustrated in fig. 4.Portable terminal 2 specifically can be realized by the portable terminal of arbitrary embodiment shown in Figure 5.

The contactless payment system that the above embodiment of the present invention provides based on stored value card, can in portable terminal, set in advance based on the single Spending Limit of stored value card consumption and above the payment cipher that need provide when the amount of money surpasses this single Spending Limit is provided, when the user carries out consumption and payment by stored value card, whether the POS terminal recognition consumption amount of money is greater than the single Spending Limit, when the consumption amount of money is not more than the single Spending Limit, POS terminal and portable terminal are mutual, directly carry out transaction processing, improved the transactions velocity of small amount payment, make things convenient for the convenient payment of small amount, thereby satisfied the small amount payment transactions demand; Consuming the amount of money greater than the single Spending Limit, POS terminal notifying user imports payment cipher and by portable terminal the payment cipher of user's input is verified, only when the payment cipher of user's input passes through checking, just carry out transaction processing, thereby effectively guaranteed the wholesale security of payment, promoted based on the application of the contactless payment technology consumption of stored value card in the wholesale payment technical field.

Each embodiment all adopts the mode of going forward one by one to describe in this instructions, and what each embodiment stressed all is and the difference of other embodiment that same or analogous part cross-references gets final product between each embodiment.For device, system embodiment, because it is similar substantially to method embodiment, so description is fairly simple, relevant part gets final product referring to the part explanation of method embodiment.

One of ordinary skill in the art will appreciate that: all or part of step that realizes said method embodiment can be finished by the relevant hardware of programmed instruction, aforesaid program can be stored in the computer read/write memory medium, this program is carried out the step that comprises said method embodiment when carrying out; And aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CD.

The embodiment of the invention has improved the transactions velocity of small amount payment, made things convenient for the convenient payment of small amount, thereby satisfied the small amount payment transactions demand, simultaneously, effectively guaranteed the wholesale security of payment, promoted based on the application of the contactless payment technology consumption of stored value card in the wholesale payment technical field.

Description of the invention provides for example with for the purpose of describing, and is not exhaustively or limit the invention to disclosed form.Many modifications and variations are obvious for the ordinary skill in the art.Selecting and describing embodiment is for better explanation principle of the present invention and practical application, thereby and makes those of ordinary skill in the art can understand the various embodiment that have various modifications that the present invention's design is suitable for special-purpose.

Claims (11)

1. the contactless payment method based on stored value card is characterized in that, comprising:
Point of sale POS terminal reads the single Spending Limit information of storing in the stored value card on the Subscriber Identity Module identification information and this Subscriber Identity Module in the portable terminal that enters this POS terminal induction district;
Described POS terminal receives Payment Request, comprises the consumption amount information in the described Payment Request;
Whether the described consumption amount of money of described POS terminal recognition is greater than described single Spending Limit;
If the described consumption amount of money is not more than described single Spending Limit, described POS terminal and described Subscriber Identity Module are mutual, carry out transaction processing at described Payment Request;
If the described consumption amount of money is greater than described single Spending Limit, described POS terminal produces and exports the information of input payment cipher; Described POS terminal receives payment cipher and sends the password authentification request to described Subscriber Identity Module, comprises the payment cipher that receives in the described password authentification request; Described Subscriber Identity Module verifies the payment cipher in the described password authentification request, and the payment cipher in described password authentification request with described POS terminal interaction, carries out transaction processing at described Payment Request during by checking.
2. method according to claim 1 is characterized in that, described POS terminal and described Subscriber Identity Module comprise alternately: described POS terminal sends the transaction indication to described Subscriber Identity Module;
Described Subscriber Identity Module and described POS terminal interaction comprise: described Subscriber Identity Module returns the password authentification result to described POS terminal; Described POS terminal is according to described password authentification result, when knowing that payment cipher in the described password authentification request is by checking, sends the transaction indication to described Subscriber Identity Module.
3. method according to claim 2, it is characterized in that, described Subscriber Identity Module is verified the payment cipher in the described password authentification request and comprised: described Subscriber Identity Module obtains the payment cipher of storing in the described stored value card, and whether the payment cipher in the more described password authentification request is consistent with the payment cipher of storage;
Payment cipher in the described password authentification request is specially by checking: the payment cipher in the described password authentification request is consistent with the payment cipher of storage.
4. according to any described method of claim 1 to 3, it is characterized in that described Subscriber Identity Module comprises the electronic cash card that is used for the store electrons cash in subscriber identification module UIM, subscriber identification card SIM and/or the described portable terminal.
5. method according to claim 4 is characterized in that, also comprises:
Described single Spending Limit of storage and described payment cipher in described stored value card are perhaps made amendment to the described single Spending Limit of storage.
6. method according to claim 5 is characterized in that, the described single Spending Limit of storage is made amendment to be comprised:
Described Subscriber Identity Module receives the user and revises request by the single Spending Limit that UIM development kit UTK menu in the described portable terminal or SIM application development tool STK menu send, and described single Spending Limit is revised in the request and comprised new single Spending Limit information and payment cipher;
The payment cipher that described Subscriber Identity Module is revised in the request described single Spending Limit is verified, and when described single Spending Limit is revised payment cipher in the request by checking, the single Spending Limit of storage is revised new single Spending Limit in the request.
7. a point of sales terminal is characterized in that, comprising:
Read module is used for reading the single Spending Limit information of storing in the stored value card on the portable terminal Subscriber Identity Module identification information that enters this POS terminal induction district and this Subscriber Identity Module;
First receiver module is used to receive the payment cipher of Payment Request and user input, comprises the consumption amount information in the described Payment Request; And receive the password authentification result that described Subscriber Identity Module returns;
Whether identification module is used to discern the described consumption amount of money greater than described single Spending Limit;
Output module is used for the recognition result according to described identification module, during greater than described single Spending Limit, produces the also information of output input payment cipher at the described consumption amount of money;
First sending module is used for the recognition result according to described identification module, when the described consumption amount of money is not more than described single Spending Limit, sends the transaction indication to described Subscriber Identity Module; At the described consumption amount of money during greater than described single Spending Limit, send the password authentification request to described Subscriber Identity Module, comprise the payment cipher that described first receiver module receives in the described password authentification request, and the password authentification result who receives according to described first receiver module, know that payment cipher in the described password authentification request by when checking, sends the transaction indication to described Subscriber Identity Module;
The first transaction processing module is used for mutual according to described first sending module, described first receiver module and described Subscriber Identity Module, carries out transaction processing at described Payment Request.
8. a portable terminal is characterized in that, comprising:
Stored value card is used to store single Spending Limit information and payment cipher;
Subscriber Identity Module is used to store Subscriber Identity Module identification information and stored value card;
Radio-frequency communication module is used for RF-wise and the POS terminal communication that produces the induction zone that described portable terminal enters, so that described POS terminal reads described Subscriber Identity Module identification information and described single Spending Limit information;
Second receiver module is used to receive the password authentification request and transaction indication that described POS terminal sends, and comprises the payment cipher that receives in the described password authentification request;
Password authentication module, the payment cipher that is used for storing according to described stored value card is verified the payment cipher in the described password authentification request;
Second sending module is used to send described password authentication module and payment cipher is verified the password authentification result who obtains;
The second transaction processing module is used for mutual according to described second sending module, described second receiver module and described POS terminal, carries out transaction processing at described Payment Request.
9. portable terminal according to claim 8, it is characterized in that, described second receiver module also is used to receive the user and revises request by the single Spending Limit that UTK menu or STK menu send, and described single Spending Limit is revised in the request and comprised new single Spending Limit information and payment cipher;
Described password authentication module also is used for the payment cipher of request that described single Spending Limit is revised and verifies;
Described portable terminal also comprises update module, be used for password authentification result according to described password authentication module, when the payment cipher in described single Spending Limit modification request passes through checking, with the new single Spending Limit in the single Spending Limit modification request of storage.
10. contactless payment system based on stored value card, comprise POS terminal and portable terminal, it is characterized in that described POS terminal is used for reading the single Spending Limit information of storing in the stored value card on the portable terminal Subscriber Identity Module identification information that enters this POS terminal induction district and this Subscriber Identity Module; Receive Payment Request, comprise the consumption amount information in the described Payment Request; Whether discern the described consumption amount of money greater than described single Spending Limit; If the described consumption amount of money is not more than described single Spending Limit, mutual with described Subscriber Identity Module, carry out transaction processing at described Payment Request; If the described consumption amount of money greater than described single Spending Limit, produces and the information of output input payment cipher; Receive payment cipher and send the password authentification request, comprise the payment cipher that receives in the described password authentification request to described Subscriber Identity Module;
Described portable terminal is used for by described Subscriber Identity Module the payment cipher of described password authentification request being verified, and the payment cipher in described password authentification request is by when checking, with described POS terminal interaction, carry out transaction processing at described Payment Request.
11. system according to claim 10 is characterized in that, described POS terminal is specially the described point of sales terminal of claim 7; Described portable terminal is specially claim 8 or 9 described portable terminals.
CN201010534863.9A 2010-11-08 2010-11-08 Based on the contactless payment method and system of stored value card, mobile terminal CN102005088B (en)

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