CN104504564A - NFC (near-field communication) wallet fund security management system and NFC wallet fund security management method - Google Patents
NFC (near-field communication) wallet fund security management system and NFC wallet fund security management method Download PDFInfo
- Publication number
- CN104504564A CN104504564A CN201410845403.6A CN201410845403A CN104504564A CN 104504564 A CN104504564 A CN 104504564A CN 201410845403 A CN201410845403 A CN 201410845403A CN 104504564 A CN104504564 A CN 104504564A
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- Prior art keywords
- card
- command
- locking
- user
- swiping
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The invention provides an NFC (near-field communication) wallet fund security management method. The method includes locking and unlocking, and specifically includes receiving an NFC wallet locking or unlocking request sent by a user when a terminal is in an online state, verifying user's identity, organizing the locking or unlocking command and sending the command to a target card after verification is passed, verifying the command after the card receives the command, and executing the locking or unlocking command after the verification is passed. The invention further provides a system for locking and unlocking when the terminal is in an off-line state. The method and the system have the advantages that cellphone wallet locking service is provided for the user timely and effectively, minimum loss of a cellphone wallet in case of loss of a cellphone of the user is guaranteed, and cellphone wallet transactions are limited when the cellphone is powered off.
Description
Technical field
The present invention relates to mobile communication technology field, be specifically related to a kind of NFC wallet fund security management system and method.
Background technology
Client has been brought into the terminal payment epoch easily by NFC terminal wallet, but fund security problem hinders the promoting service of terminal wallet.There is provided a fund security management platform for the function of the locking of NFC wallet, unblock extremely urgent.
Summary of the invention
Because described in background technology, the object of this invention is to provide a kind of novel NFC fund wallet safety management system to improve the fund security in terminal wallet, reduce the related monetary losses that client produces due to lost terminal.
The object of the invention is to be achieved through the following technical solutions:
A kind of NFC wallet fund security management method, it comprises: locking means and unlock method;
Described locking means comprises:
Receive the request handling NFC wallet locking service that user sends;
User identity is verified;
Verification, by rear, organized lock command, and described lock command is issued to target card;
After described card receives described lock command, described order is verified, verify by rear execution lock command;
Described unlock method comprises:
Receive the request handling NFC wallet unblock business that user sends;
User identity is verified;
Verification, by rear, organized unlock command, and described unlock command is issued to target card;
After described card receives described unlock command, described order is verified, verify by rear execution unlock command.
Preferably, after described described card performs lock command or unlock command, also comprise:
Receive the execution result of described locking that described card returns or unlock command;
Locking or unblock result are analyzed, according to analysis result, described NFC wallet state is upgraded;
User is informed in locking or unblock result.
The invention provides a kind of system realizing above-mentioned NFC wallet fund security management method, it comprises:
Receive request module, its request handling NFC wallet locking service or the business of unblock sent for receiving user;
Correction verification module in platform, it is for verifying user identity;
Command module, it by rear for verification, organized lock command or unlock command, and described lock command or unlock command is issued to target card;
Correction verification module in card, it, for after described card receives described lock command or unlock command, verifies described order, verifies by rear execution lock command or unlock command.
Another kind of NFC wallet fund security management method, it is in from net state for terminal, and it comprises: the locking and unlocking method;
Described locking means comprises:
User carries out the consumption of NFC wallet in terminal under net state;
Card verifies the number of times of swiping the card under net state in configuration file;
As number of times of swiping the card be greater than as described in number of times higher limit of swiping the card in configuration file, then verify failure, automatically lock;
As number of times of swiping the card be less than as described in number of times higher limit of swiping the card in configuration file, then continue to judge whether this bankcard consumption amount of money is greater than the single spending amount upper limit in described configuration file;
If judged result is yes, then directly lock;
If judged result is no, then perform bankcard consumption;
Upgrade in described card number of times record of swiping the card;
Bankcard consumption result is sent to user;
Described unlock method comprises:
User is by the self-service unblock of client.
Whether described configuration file comprises: allow to carry out bankcard consumption, from the maximum consumption number of times of net, from net single consumption maximum dollar amount from net.
Described NFC wallet fund security management method also comprises configuration file setting steps, and it comprises:
Whether described configuration file is set by client according to individual demand by user or revises, specifically comprise: to allowing to carry out bankcard consumption from net, from the maximum consumption number of times of net, modify from net single consumption maximum dollar amount.
The present invention also provides a kind of system realizing described another kind of NFC wallet fund security management method, and it is in from net state for terminal, and it comprises:
Consumption order receiver module, it carries out NFC wallet consumption order for being received in terminal under net state;
Correction verification module in card, it is for verifying the number of times of swiping the card under net state in configuration file;
Locking module, it for being greater than the number of times higher limit of swiping the card in described configuration file when number of times of swiping the card, then verifying failure, automatically locks;
Judge module, it for being less than the number of times higher limit of swiping the card in described configuration file when number of times of swiping the card, then continues to judge whether this bankcard consumption amount of money is greater than the single spending amount upper limit in described configuration file;
If judged result is yes, then directly locked by described locking module;
Perform consumption module, it, for being no when judged result, performs bankcard consumption;
Update module, it is for upgrading in described card number of times record of swiping the card;
Sending module, it is for sending bankcard consumption result to user;
Client unlocked state, it is for receiving and performing the instruction of user by the self-service unblock of client.
Compared with prior art, the present invention possesses following advantage:
1. for client provides mobile phone wallet locked service timely and effectively;
2. ensure the loss reduction of client's mobile phone wallet after lost mobile phone;
3. the transaction of mobile phone wallet is limited when mobile phone shutdown.
Accompanying drawing explanation
Fig. 1 is the locking flow figure of method described in embodiment one;
Fig. 2 is the unblock process flow diagram of method described in embodiment one;
Fig. 3 is the locking flow figure of method described in embodiment two.
Embodiment
embodiment one:
The present embodiment provide a kind of when terminal (such as mobile phone) be in step on net state time, NFC wallet fund security management method and system.
Described method comprises locking means and unlock method.
As shown in Figure 1, described locking means comprises:
Receive the request handling NFC wallet locking service that user sends;
User identity is verified;
Verification, by rear, organized lock command, and described lock command is issued to target card;
After described card receives described lock command, described order is verified, verify by rear execution lock command;
As shown in Figure 2, described unlock method comprises:
Receive the request handling NFC wallet unblock business that user sends;
User identity is verified;
Verification, by rear, organized unlock command, and described unlock command is issued to target card;
After described card receives described unlock command, described order is verified, verify by rear execution unlock command.
As shown in Figures 1 and 2, after described described card performs lock command or unlock command, also comprise:
Receive the execution result of described locking that described card returns or unlock command;
Locking or unblock result are analyzed, according to analysis result, described NFC wallet state is upgraded;
User is informed in locking or unblock result.
The present embodiment also provides a kind of system for realizing above-mentioned NFC wallet fund security management method, and it comprises:
Receive request module, its request handling NFC wallet locking service or the business of unblock sent for receiving user;
Correction verification module in platform, it is for verifying user identity;
Command module, it by rear for verification, organized lock command or unlock command, and described lock command or unlock command is issued to target card;
Correction verification module in card, it, for after described card receives described lock command or unlock command, verifies described order, verifies by rear execution lock command or unlock command.
Corresponding to described method, described system also comprises:
Result receiver module, it is for the execution result of the described locking that receives described card and return or unlock command;
Update module, it, for analyzing locking or unblock result, upgrades described NFC wallet state according to analysis result;
Result informs module, and it is for informing user by locking or unblock result.
embodiment two:
The present embodiment provides a kind of another kind of NFC wallet fund security management method, and it is in from net state for terminal, and it comprises: the locking and unlocking method.
As shown in Figure 3, described locking means comprises:
User carries out the consumption of NFC wallet in terminal under net state;
Card verifies the number of times of swiping the card under net state in configuration file;
As number of times of swiping the card be greater than as described in number of times higher limit of swiping the card in configuration file, then verify failure, automatically lock;
As number of times of swiping the card be less than as described in number of times higher limit of swiping the card in configuration file, then continue to judge whether this bankcard consumption amount of money is greater than the single spending amount upper limit in described configuration file;
If judged result is yes, then directly lock;
If judged result is no, then perform bankcard consumption;
Upgrade in described card number of times record of swiping the card;
Bankcard consumption result is sent to user.
Described unlock method comprises: user is by the self-service unblock of client.Concrete, wallet self-service unblock business is applicable to allly know card verifying password and hold the user of this card, completes wallet unlock business handling by NFC mobile phone wallet fund security client.
Whether described configuration file comprises: allow to carry out bankcard consumption, from the maximum consumption number of times of net, from net single consumption maximum dollar amount from net.
Described NFC wallet fund security management method also comprises configuration file setting steps, it comprises: whether described configuration file is set by client according to individual demand by user or revises, specifically comprise: to allowing to carry out bankcard consumption from net, from the maximum consumption number of times of net, modify from net single consumption maximum dollar amount.
The present embodiment also provides a kind of system realizing NFC wallet fund security management method described in the present embodiment, and it comprises:
Consumption order receiver module, it carries out NFC wallet consumption order for being received in terminal under net state;
Correction verification module in card, it is for verifying the number of times of swiping the card under net state in configuration file;
Locking module, it for being greater than the number of times higher limit of swiping the card in described configuration file when number of times of swiping the card, then verifying failure, automatically locks;
Judge module, it for being less than the number of times higher limit of swiping the card in described configuration file when number of times of swiping the card, then continues to judge whether this bankcard consumption amount of money is greater than the single spending amount upper limit in described configuration file;
If judged result is yes, then directly locked by described locking module;
Perform consumption module, it, for being no when judged result, performs bankcard consumption;
Update module, it is for upgrading in described card number of times record of swiping the card;
Sending module, it is for sending bankcard consumption result to user;
Client unlocked state, it is for receiving and performing the instruction of user by the self-service unblock of client.
Claims (7)
1. a NFC wallet fund security management method, it is in for terminal and steps on net state, it is characterized in that: comprising: locking means and unlock method;
Described locking means comprises:
Receive the request handling NFC wallet locking service that user sends;
User identity is verified;
Verification, by rear, organized lock command, and described lock command is issued to target card;
After described card receives described lock command, described order is verified, verify by rear execution lock command;
Described unlock method comprises:
Receive the request handling NFC wallet unblock business that user sends;
User identity is verified;
Verification, by rear, organized unlock command, and described unlock command is issued to target card;
After described card receives described unlock command, described order is verified, verify by rear execution unlock command.
2. method according to claim 1, is characterized in that: after described described card performs lock command or unlock command, also comprise:
Receive the execution result of described locking that described card returns or unlock command;
Locking or unblock result are analyzed, according to analysis result, described NFC wallet state is upgraded;
User is informed in locking or unblock result.
3. a NFC wallet fund security management system, is characterized in that: comprising:
Receive request module, its request handling NFC wallet locking service or the business of unblock sent for receiving user;
Correction verification module in platform, it is for verifying user identity;
Command module, it by rear for verification, organized lock command or unlock command, and described lock command or unlock command is issued to target card;
Correction verification module in card, it, for after described card receives described lock command or unlock command, verifies described order, verifies by rear execution lock command or unlock command.
4. a NFC wallet fund security management method, it is in from net state for terminal, it is characterized in that: comprising: the locking and unlocking method;
Described locking means comprises:
User carries out the consumption of NFC wallet in terminal under net state;
Card verifies the number of times of swiping the card under net state in configuration file;
As number of times of swiping the card be greater than as described in number of times higher limit of swiping the card in configuration file, then verify failure, automatically lock;
As number of times of swiping the card be less than as described in number of times higher limit of swiping the card in configuration file, then continue to judge whether this bankcard consumption amount of money is greater than the single spending amount upper limit in described configuration file;
If judged result is yes, then directly lock;
If judged result is no, then perform bankcard consumption;
Upgrade in described card number of times record of swiping the card;
Bankcard consumption result is sent to user;
Described unlock method comprises:
User is by the self-service unblock of client.
5. whether method according to claim 4, is characterized in that: described configuration file comprises: allow to carry out bankcard consumption, from the maximum consumption number of times of net, from net single consumption maximum dollar amount from net.
6. method according to claim 5, is characterized in that: described NFC wallet fund security management method also comprises configuration file setting steps, and it comprises:
Whether described configuration file is set by client according to individual demand by user or revises, specifically comprise: to allowing to carry out bankcard consumption from net, from the maximum consumption number of times of net, modify from net single consumption maximum dollar amount.
7. a system for NFC wallet fund security management method, it is in from net state for terminal, it is characterized in that: comprising:
Consumption order receiver module, it carries out NFC wallet consumption order for being received in terminal under net state;
Correction verification module in card, it is for verifying the number of times of swiping the card under net state in configuration file;
Locking module, it for being greater than the number of times higher limit of swiping the card in described configuration file when number of times of swiping the card, then verifying failure, automatically locks;
Judge module, it for being less than the number of times higher limit of swiping the card in described configuration file when number of times of swiping the card, then continues to judge whether this bankcard consumption amount of money is greater than the single spending amount upper limit in described configuration file;
If judged result is yes, then directly locked by described locking module;
Perform consumption module, it, for being no when judged result, performs bankcard consumption;
Update module, it is for upgrading in described card number of times record of swiping the card;
Sending module, it is for sending bankcard consumption result to user;
Client unlocked state, it is for receiving and performing the instruction of user by the self-service unblock of client.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410845403.6A CN104504564A (en) | 2014-12-31 | 2014-12-31 | NFC (near-field communication) wallet fund security management system and NFC wallet fund security management method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410845403.6A CN104504564A (en) | 2014-12-31 | 2014-12-31 | NFC (near-field communication) wallet fund security management system and NFC wallet fund security management method |
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| Publication Number | Publication Date |
|---|---|
| CN104504564A true CN104504564A (en) | 2015-04-08 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410845403.6A Pending CN104504564A (en) | 2014-12-31 | 2014-12-31 | NFC (near-field communication) wallet fund security management system and NFC wallet fund security management method |
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Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101093566A (en) * | 2006-06-23 | 2007-12-26 | 联想(北京)有限公司 | Safe mobile payment system, device and method |
| CN102946484A (en) * | 2012-11-16 | 2013-02-27 | Tcl通讯（宁波）有限公司 | Method for unlocking mobile terminal by near-filed communication and system |
| CN103021082A (en) * | 2012-12-13 | 2013-04-03 | 捷德（中国）信息科技有限公司 | IC (Integrated Circuit) card transaction method and IC card |
| CN103258154A (en) * | 2012-02-19 | 2013-08-21 | 上海博路信息技术有限公司 | NFC (negative feedback circuit) terminal based locking and unlocking method |
-
2014
- 2014-12-31 CN CN201410845403.6A patent/CN104504564A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101093566A (en) * | 2006-06-23 | 2007-12-26 | 联想(北京)有限公司 | Safe mobile payment system, device and method |
| CN103258154A (en) * | 2012-02-19 | 2013-08-21 | 上海博路信息技术有限公司 | NFC (negative feedback circuit) terminal based locking and unlocking method |
| CN102946484A (en) * | 2012-11-16 | 2013-02-27 | Tcl通讯（宁波）有限公司 | Method for unlocking mobile terminal by near-filed communication and system |
| CN103021082A (en) * | 2012-12-13 | 2013-04-03 | 捷德（中国）信息科技有限公司 | IC (Integrated Circuit) card transaction method and IC card |
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Application publication date: 20150408 |