CN102169613B - Method and apparatus for dealing with remote business of electronic purse - Google Patents

Method and apparatus for dealing with remote business of electronic purse Download PDF

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Publication number
CN102169613B
CN102169613B CN 201010571972 CN201010571972A CN102169613B CN 102169613 B CN102169613 B CN 102169613B CN 201010571972 CN201010571972 CN 201010571972 CN 201010571972 A CN201010571972 A CN 201010571972A CN 102169613 B CN102169613 B CN 102169613B
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China
Prior art keywords
card
stored value
value card
card reader
teleaction
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Expired - Fee Related
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CN 201010571972
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CN102169613A (en
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段晓华
计进波
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Beijing Watchdata Co ltd
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Beijing WatchData System Co Ltd
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Abstract

The invention discloses a method and an apparatus for dealing with remote business of an electronic purse, to realize dealing with the remote business of the electronic purse at any time and any place and increase flexibility and efficiency in dealing with the remote business of the electronic purse. The method comprises the steps of: receiving a remote business request transmitted by a user terminal; sending a card reader business initialization instruction according to the remote business request, with the card reader inserted with an electronic purse card; obtaining remote business data from an electronic purse card manager, when the electronic purse card is determined to be legal according to the business initialization result information returned by the card reader; and sending to the card reader a business processing instruction, according to the obtained remote business data, so as to instruct the card reader in performing the corresponding card reading or card writing operation on the electronic purse card, according to the remote business data. The technology scheme of the invention is not restricted to a specific place or a card with telecommunication characteristic, thereby increasing the flexibility and the efficiency in dealing with the remote business of the electronic purse.

Description

A kind of method and device of processing the teleaction service of stored value card
Technical field
The present invention relates to the communications field, relate in particular to a kind of method and device of processing the teleaction service of stored value card.
Background technology
Stored value card is a kind of means of payment commonly used in the ecommerce shopping activity, is applicable to the small amount shopping, at the stored value card internal memory currency that discharges, such as electronic cash, electronics change, e-credit etc.The user can use stored value card for take pubic transport, subway, taxi, ferry booking, also can use stored value card to pay charge for water, the electricity charge and combustion gas expense, can also use stored value card to buy Landscape admission ticket etc.Because it is more convenient to use stored value card to carry out small amount consumption, therefore, at present increasing user adopts stored value card to pay nominal fee.
At present, because the stored value card card is blank and do not report the loss, be the problem of avoiding causing economic loss more serious owing to losing, the user is supplementing with money of the little amount of money when once supplementing with money, so needs be supplemented with money the stored value card card frequently.At present, the mode of supplementing with money is that the stored value card card is supplemented with money below main the employing: mode one, and go to the business hall manually to supplement with money; Mode two is removed rechargeable card point-of-sale purchasing rechargeable card, comes to supplement with money for stored value card by input rechargeable card information; Mode three is supplemented with money stored value card by SMS.Two pairs of stored value cards of employing mode one and mode are supplemented with money, are subject to specific site or point of sale, go to the scene, business hall to supplement with money or go rechargeable card point-of-sale purchasing rechargeable card to supplement with money such as needs, and the user can not carry out teleaction service anywhere or anytime; Mode three; need to do special processing to the stored value card card, increase the telecommunications characteristic such as the basis at financial card, if can not realize the stored value card card is supplemented with money when mobile phone has electricity or shutdown; and this kind mode is not supported common stored value card card, and versatility is not strong.
On the other hand, the user can not use the stored value card card to carry out teleaction service, as paying by mails, need to carry out face-to-face in-plant on-site payment, as coming payment consumption by brush POS machine; Also such as inquiry business, if when the user need to inquire about the remaining sum of stored value card card or consumption information, need to go the business hall inquiry.
Summary of the invention
The invention provides a kind of method and device of processing the teleaction service of stored value card, to realize processing the teleaction service of stored value card whenever and wherever possible, the card that is not subject to specific place and has the telecommunications characteristic, thus dirigibility and the efficient that the teleaction service of stored value card is processed improved.
A kind of method of processing the teleaction service of stored value card comprises:
Receive the teleaction service request that user terminal sends, and send the business initializtion instruction according to this teleaction service request to card reader, described card reader is inserted with the stored value card card;
When the business initializtion object information that returns according to described card reader determines that described stored value card card is legal, obtain the teleaction service data to stored value card card manager;
According to the teleaction service data of obtaining, send the business processing instruction to card reader, according to described teleaction service data described stored value card card is carried out corresponding Card Reader or writing operation with the indication card reader.
A kind of device of processing the teleaction service of stored value card comprises:
Transmit-Receive Unit is used for receiving the teleaction service request that user terminal sends, and sends the business initializtion instruction according to this teleaction service request to card reader, and described card reader is inserted with the stored value card card;
Acquiring unit is connected with described Transmit-Receive Unit, when determining that for the business initializtion object information that returns according to described card reader described stored value card card is legal, obtains the teleaction service data to stored value card card manager;
Indicating member, be connected with acquiring unit with described Transmit-Receive Unit respectively, for the teleaction service data of obtaining according to described acquiring unit, send the business processing instruction by described Transmit-Receive Unit to card reader, according to described teleaction service data described stored value card card is carried out corresponding Card Reader or writing operation with the indication card reader.
In the embodiment of the invention, when the user needs processing remote professional, only need to send the teleaction service request to network-side and get final product; Network-side is obtained the teleaction service data to stored value card card manager after the legitimacy of stored value card card is verified; Teleaction service data according to described stored value card card manager returns send the business processing instruction to card reader, according to described teleaction service data described stored value card card are carried out corresponding Card Reader or writing operation with the indication card reader.Adopt technical solution of the present invention, the user can process the teleaction service of stored value card whenever and wherever possible, the card that is not subject to specific place and has the telecommunications characteristic, thus improve dirigibility and the efficient that the teleaction service of stored value card is processed.
Description of drawings
Fig. 1 is the method flow diagram that embodiment of the invention medium-long range is processed the stored value card business;
Fig. 2 deposits into the method flow diagram that row is processed to teleaction service network circle in the embodiment of the invention;
Fig. 3 is the method flow diagram that shopping online is processed to teleaction service in the embodiment of the invention;
Fig. 4 is the method flow diagram of inquiry stored value card card remaining sum in the embodiment of the invention;
Fig. 5 is the structural representation that embodiment of the invention medium-long range is processed the device of stored value card business.
Embodiment
Above-mentioned technical matters for the prior art existence, the embodiment of the invention provides a kind of method of processing the teleaction service of stored value card, the method comprises: receive the teleaction service request that user terminal sends, and sending the business initializtion instruction according to this teleaction service request to card reader, described card reader is inserted with the stored value card card; When the business initializtion object information that returns according to card reader determines that described stored value card card is legal, obtain the teleaction service data to stored value card card manager; According to the teleaction service data of obtaining, send the business processing instruction to described card reader, according to described teleaction service data described stored value card card is carried out corresponding Card Reader or writing operation to indicate described card reader.Adopt technical solution of the present invention, the user can process the teleaction service of stored value card whenever and wherever possible, the card that is not subject to specific place and has the telecommunications characteristic, thus improve dirigibility and the efficient that the teleaction service of stored value card is processed.
Below in conjunction with Figure of description technical solution of the present invention is carried out in detail, clearly described.
Referring to Fig. 1, be the method flow diagram of embodiment of the invention medium-long range processing stored value card business, the method comprises:
Step 101, service process platform receive the teleaction service request that user terminal sends, and send the business initializtion instruction according to this teleaction service request to card reader, and this card reader is inserted with the stored value card card.
The business initializtion object information that step 102, service process platform are returned according to card reader is determined the legitimacy of described stored value card card, and when definite described stored value card card is legal, is obtained the teleaction service data to stored value card card manager.
In the embodiment of the invention, card reader is carried out business initializtion and is comprised: initialization key call number, dealing money, terminating machine numbering, and according to initialized cipher key index number, dealing money, terminating machine numbering, obtain stored value card card remaining sum, stored value card card on-line transaction sequence number, key version number, algorithm sign, pseudo random number and MAC1 value.Described business initializtion object information comprises: stored value card card remaining sum, stored value card card on-line transaction sequence number, key version number, algorithm sign, pseudo random number and MAC value.
In the above-mentioned steps 102, service process platform is determined the legitimacy of described stored value card card, comprise: service process platform calculates the proof test value MAC2 corresponding with described stored value card card according to described business initializtion object information, and determining then that when MAC2 is identical with MAC1 described stored value card card is legal, MAC2 is not identical with MAC1 to determine that then described stored value card card is illegal.
Step 103, service process platform send the business processing instruction according to the teleaction service data of obtaining to card reader, according to described teleaction service data described stored value card card are carried out corresponding Card Reader or writing operation with the indication card reader.
Preferably, for further confirming the legitimacy of stored value card card, also further comprise in the described step 103: service process platform sends card reader initialization result information to described stored value card card manager, so that stored value card card manager carries out verification according to the initialization result information that receives to the stored value card card, to determine the legitimacy of stored value card card.This initialization result information can send to by independent message stored value card card manager, also can be carried on and send to described stored value card card manager in the described business processing request.
Preferably, can know fast the business processing progress for making the user, above-mentioned flow process can also comprise:
Step 104, service process platform receive the service processing result information that card reader is returned, and this service processing result information is shown to described user terminal after resolving, be that card reader generates according to the result who the stored value card card is carried out Card Reader or writing operation in described service processing result information.
Preferably, if in the embodiment of the invention, when user terminal uses the stored value card card for the first time, need to carry out account registration operation in service process platform, specifically comprise: user terminal sends the account number registration request to service process platform, carry the identification information of capital account and stored value card card in the account registration request, described capital account is the account that described user terminal arranges at described stored value card card manager; And the identification information of described fund account and described stored value card card bound.On stored value card card manager this stored value card card being carried out numeral such as user terminal contracts, to finish the fund account binding of stored value card card and setting, as storing the identification information of this stored value card card and the corresponding relation of fund account at stored value card card manager.
Preferably, for further improving the security that teleaction service is processed, above-mentioned steps 102 comprises that also the teleaction service manager sends the business initializtion object information to stored value card card manager;
In the above-mentioned steps 103, stored value card card manager is before returning the teleaction service data to service process platform, also comprise: according to the business initializtion object information that receives the stored value card card is carried out verification, and when verification succeeds, return the teleaction service data to service process platform.
Technical solution of the present invention needs that teleaction service to be processed can comprise that the network circle is deposited, the business such as shopping online and electronic purse balance amount inquiry, enumerates no longer one by one at this.
When the teleaction service of user terminal requests is network circle when depositing business, carry recharge amount information in the teleaction service request in the above-mentioned steps 101;
In the above-mentioned steps 103, the teleaction service data of obtaining to stored value card card manager be described stored value card card manager according to it from the fund account corresponding with described stored value card card of storage, circle is deposited the data that recharge amount generates to the result of described stored value card card.
When the teleaction service of user terminal requests is the online payment business, also comprise before the above-mentioned steps 101: user terminal signs in to shopping platform and shopping, and chooses the payment of the stored value card card modes of payments; Shopping platform sends sequence information to service process platform;
Service process platform also comprised before sending the business initializtion instruction to described card reader: receive the sequence information that shopping platform sends; Described teleaction service data are for consuming the data of withholing;
Send the business processing instruction to card reader, according to described teleaction service data described stored value card card carried out corresponding Card Reader or writing operation with the indication card reader, be specially:
Send the consumption the carry sequence information instruction of withholing to card reader, from described stored value card card, deduct according to described sequence information with the indication card reader and consume accordingly the amount of money.
Technical solution of the present invention can be applicable to following scene: sign in to the stored value card remote transaction page that service process platform provides by PC, portable terminal or other terminal devices that can network, and carry out corresponding teleaction service at this stored value card remote transaction page.
Be clearer detailed technical solution of the present invention is described in detail, the teleaction services such as deposit by the network circle to process for the below, shopping online and electronic purse balance amount inquiry are described in detail.
Referring to Fig. 2, in the embodiment of the invention teleaction service network circle being deposited into the method flow diagram that row is processed, the method comprises:
Step 201, user terminal sign in to the teleaction service processing server.
Step 202, user terminal send charging request to service process platform, carry recharge amount information in this charging request.
Step 203, service process platform send circle to the card reader that is inserted with the stored value card card and deposit initialization directive.
Step 204, card reader are carried out data to the stored value card card and are read, and return circle to the teleaction service manager and deposit initialization result information.
In this step, it is identical with aforementioned business initializtion object information that circle is deposited initialization result information, do not repeat them here.
Step 205, service process platform send circle to stored value card card manager and deposit the business processing request, and this circle is deposited and carried recharge amount information in the business processing request and circle is deposited initialization result information.
Step 206, stored value card card manager are deposited initialization result information according to the circle that receives, described stored value card card is carried out verification, and when verification succeeds, deposit recharge amount to the stored value card card from the fund account centre circle corresponding with this stored value card card of this locality storage, and generate corresponding circle deposit data object information.
Step 207, stored value card card manager send circle deposit data object information to service process platform.
Step 208, service process platform send circle to card reader and deposit the result write instruction, and this circle is deposited and carried circle deposit data object information in the result write instruction.
Step 209, card reader are carried out the external system verification to stored value card, and in verification succeeds are, according to circle deposit data object information the stored value card card are carried out write operation.
Step 210, card reader send to service process platform and write the card object information.
Step 211, service process platform are resolved the card object information of writing that receives, and deposit service processing result information to the user terminal displays circle, so that the user is known the result of recharging service fast, intuitively.
Referring to Fig. 3, be the method flow diagram that shopping online is processed to teleaction service in the embodiment of the invention, user terminal need to be when the teleaction service shopping online, also need to surf the Net into network trade company at the remote transaction platform before user terminal employing stored value card card carries out online payment contracts, registration merchant information (this merchant information can comprise payment result notification interface information) obtains the signatory information such as the safe key factor that generate of network trade company; The method comprises:
Step 301, user terminal sign in to the shopping online platform does shopping, and chooses the payment of the stored value card card modes of payments.
Step 302, shopping platform generate the sequence information corresponding with this user terminal, and send sequence information (sequence information can comprise goods number, commodity price, consumption total charge, time buying, be used for the identification information etc. of the stored value card card of payment) by the payment of this shopping platform interface of withholing to service process platform, and be connected on the service process platform, so that the user signs in on the service process platform.
In the embodiment of the invention, the log-on message of shopping platform and service process platform sharing users (log-on message can comprise the information such as login account and login password), the user is when one of login the said equipment, can be directly connected on another equipment, can be directly connected on the service process platform when signing in to shopping platform such as the user, can be directly connected to shopping platform when perhaps, the user signs in on the service process platform.Shopping platform can be not and the log-on message of service process platform sharing users yet, and the user carries out corresponding register on signing in to one of them equipment the time.
Step 303, service process platform send the consumption initialization directive to card reader.
Step 304, card reader are carried out the Card Reader operation to the stored value card card, and return consumption initialization result information to service process platform.
In this step, consumption initialization result information is identical with aforementioned business initializtion object information, does not repeat them here.
Step 305, service process platform verify consumption initialization result information, and when being proved to be successful, and sends to stored value card card manager and obtain the consumption request of data of withholing, and this consumption is withholdd and carried sequence information in the request of data.
Step 306, stored value card card manager generate the consumption data of withholing according to sequence information, and this consumption data of withholing are sent to service process platform.
Step 307, teleaction service manager send the consumption instruction of withholing according to the consumption that the receives data of withholing to card reader, and this consumption instruction of withholing carries sequence information.
Step 308, card reader are carried out the outside verification of system to the stored value card card, and when verification succeeds, carry out the consumption that the receives instruction of withholing, the corresponding consumption of the deduction amount of money from the stored value card card, and generate the consumption object information of withholing.
Step 309, card reader send to service process platform and consume the object information of withholing.
Step 310, service process platform are resolved the consumption that the receives object information of withholing, and according to the Information generation consumption and payment object information after resolving.
Step 311, service process platform send to respectively shopping platform and user terminal with the consumption and payment object information.
Step 312, shopping platform are processed order to the consumption and payment object information that basis receives, and generate order pay status information.
Step 313~step 314, shopping platform send to user terminal with the order pay status information that generates.
Preferably, for guaranteeing the success ratio of order processing, above-mentioned steps 308 can also comprise:
The balance amount information of card reader read electric wallet card, and whether judge remaining sum more than or equal to the consumption amount of money, if then direct the execution consumed the instruction of withholing; Otherwise, to the notification message of the insufficient in amount of user terminal return electron wallet card, and process ends.
Referring to Fig. 4, be the method flow diagram of inquiry stored value card card remaining sum in the embodiment of the invention, the method comprises:
Step 401, user terminal sign in to service process platform.
Step 402, user terminal send the inquiry into balance request to service process platform, carry the identification information of stored value card card in this inquiry into balance request.
Step 403, service process platform send the inquiry into balance request to the card reader that is inserted with this stored value card card.
The balance amount information of step 404~step 405, card reader read electric wallet card, and send the balance amount information of stored value card to service process platform.
Step 406, service process platform are to the balance amount information of user terminal displays stored value card card.
Based on the identical design of said method flow process, the embodiment of the invention also provides a kind of device of teleprocessing stored value card business, and the structure of this device as shown in Figure 5.
Referring to Fig. 5, process the structural representation of the device of stored value card business for embodiment of the invention medium-long range, this device comprises:
Transmit-Receive Unit 51 is used for receiving the teleaction service request that user terminal sends, and sends the business initializtion instruction according to this teleaction service request to card reader, and this card reader is inserted with the stored value card card;
Acquiring unit 52 is connected with Transmit-Receive Unit 51, when determining that for the business initializtion object information that returns according to card reader described stored value card card is legal, obtains the teleaction service data to stored value card card manager;
Indicating member 53, be connected with acquiring unit 52 with Transmit-Receive Unit 51 respectively, for the teleaction service data of obtaining according to acquiring unit 52, send the business processing instruction by Transmit-Receive Unit 51 to card reader, according to described teleaction service data described stored value card card is carried out corresponding Card Reader or writing operation with the indication card reader.
Preferably, can know fast teleaction service processing progress for ease of the user, said apparatus can also comprise display unit 54:
Transmit-Receive Unit 51 is further used for, and receives the service processing result information that card reader is returned, and described service processing result information is that card reader generates according to the result who the stored value card card is carried out Card Reader or writing operation;
Display unit 54 is connected with Transmit-Receive Unit 51, is shown to described user terminal after resolving for the service processing result information that Transmit-Receive Unit 51 is received.
Preferably, Transmit-Receive Unit 51 is further used for, before receiving the teleaction service data that stored value card card manager returns, send described service processing result information to stored value card card manager, so that stored value card card manager carries out verification according to described service processing result information to described stored value card card.
Preferably, described Transmit-Receive Unit 51 is further used for, receive the account number registration request that described user terminal sends, carry the identification information of fund account and stored value card card in the account registration request, described capital account is the account that described user terminal arranges at described stored value card card manager; And the identification information of described fund account and described stored value card card bound.
Preferably, the teleaction service of described user terminal requests is network circle when depositing business, and carries recharge amount information in the described teleaction service request; The teleaction service data that acquiring unit 52 obtains are described stored value card card manager according to it from the fund account corresponding with described stored value card card of storage, and circle is deposited the data that recharge amount generates to the result of described stored value card card.
Preferably, the teleaction service of user terminal requests is that online payment is professional; Transmit-Receive Unit 51 is further used for, and before the instruction of described card reader transmission business initializtion, receives the sequence information that shopping platform sends; Described teleaction service data are for consuming the data of withholing;
Indicating member 53 specifically is used for: send the consumption the carry sequence information instruction of withholing to card reader, deduct from described stored value card card according to described sequence information with the indication card reader and consume accordingly the amount of money.
In the embodiment of the invention, when the user needs processing remote professional, only need to send the teleaction service request to service process platform and get final product; Service process platform is obtained the teleaction service data to stored value card card manager after the legitimacy of stored value card card is verified; Teleaction service data according to described stored value card card manager returns send the business processing instruction to card reader, according to described teleaction service data described stored value card card are carried out corresponding Card Reader or writing operation with the indication card reader.Adopt technical solution of the present invention, the user can be inserted into the stored value card card in the card reader whenever and wherever possible, and the terminal device by being connected with this card reader (equipment that can network such as PC, mobile phone etc.) signs in to the stored value card remote transaction page that service process platform provides, and process corresponding teleaction service at this stored value card remote transaction page, the card that is not subject to specific place and has the telecommunications characteristic, thus dirigibility and the efficient that the teleaction service of stored value card is processed improved.
Obviously, those skilled in the art can carry out various changes and modification to the present invention and not break away from the spirit and scope of the present invention.Like this, if of the present invention these are revised and modification belongs within the scope of claim of the present invention and equivalent technologies thereof, then the present invention also is intended to comprise these changes and modification interior.

Claims (10)

1. a method of processing the teleaction service of stored value card is characterized in that, comprising:
Receive the account number registration request that user terminal sends, carry the identification information of fund account and stored value card card in the described account number registration request, described capital account is the account that described user terminal arranges at described stored value card card manager; And the identification information of described fund account and described stored value card card bound;
Receive the teleaction service request that user terminal sends, and send the business initializtion instruction according to this teleaction service request to card reader, described card reader is inserted with the stored value card card;
When the business initializtion object information that returns according to described card reader determines that described stored value card card is legal, obtain the teleaction service data to stored value card card manager;
According to the teleaction service data of obtaining, send the business processing instruction to card reader, according to described teleaction service data described stored value card card is carried out corresponding Card Reader or writing operation with the indication card reader.
2. the method for claim 1 is characterized in that, also comprises:
Receive the service processing result information that card reader is returned, and this service processing result information is shown to described user terminal after resolving, described service processing result information is that card reader generates according to the result who the stored value card card is carried out Card Reader or writing operation.
3. method as claimed in claim 2 is characterized in that, described obtain the teleaction service data to stored value card card manager before, also comprise:
Send described service processing result information to stored value card card manager, so that stored value card card manager carries out verification according to described service processing result information to described stored value card card.
4. such as each described method of claim 1~3, it is characterized in that the teleaction service of user terminal requests is that the network circle is deposited business, and carries recharge amount information in the described teleaction service request;
Described teleaction service data are described stored value card card manager according to it from the fund account corresponding with described stored value card card of storage, and circle is deposited the data that recharge amount generates to the result of described stored value card card.
5. such as each described method of claim 1~3, it is characterized in that the teleaction service of user terminal requests is that online payment is professional;
Before sending the business initializtion instruction to described card reader, also comprise: receive the sequence information that shopping platform sends; Described teleaction service data are for consuming the data of withholing;
Send the business processing instruction to card reader, according to described teleaction service data described stored value card card carried out corresponding Card Reader or writing operation with the indication card reader, be specially:
Send the consumption the carry sequence information instruction of withholing to card reader, from described stored value card card, deduct according to described sequence information with the indication card reader and consume accordingly the amount of money.
6. a device of processing the teleaction service of stored value card is characterized in that, comprising:
Transmit-Receive Unit is used for receiving the teleaction service request that user terminal sends, and sends the business initializtion instruction according to this teleaction service request to card reader, and described card reader is inserted with the stored value card card;
Acquiring unit is connected with described Transmit-Receive Unit, when determining that for the business initializtion object information that returns according to described card reader described stored value card card is legal, obtains the teleaction service data to stored value card card manager;
Indicating member, be connected with acquiring unit with described Transmit-Receive Unit respectively, for the teleaction service data of obtaining according to described acquiring unit, send the business processing instruction by described Transmit-Receive Unit to card reader, according to described teleaction service data described stored value card card is carried out corresponding Card Reader or writing operation with the indication card reader;
Described Transmit-Receive Unit also is used for, receive the account number registration request that described user terminal sends, carry the identification information of fund account and stored value card card in the described account number registration request, described capital account is the account that described user terminal arranges at described stored value card card manager; And the identification information of described fund account and described stored value card card bound.
7. device as claimed in claim 6 is characterized in that, also comprises display unit:
Described Transmit-Receive Unit is further used for, and receives the service processing result information that card reader is returned, and described service processing result information is that card reader generates according to the result who the stored value card card is carried out Card Reader or writing operation;
Display unit is connected with described Transmit-Receive Unit, is shown to described user terminal after resolving for the service processing result information that described Transmit-Receive Unit is received.
8. device as claimed in claim 7, it is characterized in that, described Transmit-Receive Unit is further used for, and sends described service processing result information to stored value card card manager, so that stored value card card manager carries out verification according to described service processing result information to described stored value card card.
9. such as each described device of claim 6~8, it is characterized in that the teleaction service of described user terminal requests is network circle when depositing business, and carries recharge amount information in the described teleaction service request;
The teleaction service data that described acquiring unit obtains are described stored value card card manager according to it from the fund account corresponding with described stored value card card of storage, and circle is deposited the data that recharge amount generates to the result of described stored value card card.
10. such as each described device of claim 6~8, it is characterized in that the teleaction service of user terminal requests is that online payment is professional;
Described Transmit-Receive Unit is further used for, and before the instruction of described card reader transmission business initializtion, receives the sequence information that shopping platform sends; Described teleaction service data are for consuming the data of withholing;
Indicating member specifically is used for: send the consumption the carry sequence information instruction of withholing to card reader, deduct from described stored value card card according to described sequence information with the indication card reader and consume accordingly the amount of money.
CN 201010571972 2010-12-03 2010-12-03 Method and apparatus for dealing with remote business of electronic purse Expired - Fee Related CN102169613B (en)

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