CN1991926A - RFID mobile phone small payment loss register handling system and realization method - Google Patents
RFID mobile phone small payment loss register handling system and realization method Download PDFInfo
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- CN1991926A CN1991926A CNA2005101365884A CN200510136588A CN1991926A CN 1991926 A CN1991926 A CN 1991926A CN A2005101365884 A CNA2005101365884 A CN A2005101365884A CN 200510136588 A CN200510136588 A CN 200510136588A CN 1991926 A CN1991926 A CN 1991926A
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
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Abstract
A RFID mobile phone petty payment reporting lost processing system and realizing method includes steps as following: the RFID mobile phone terminal is started, the RFID module is initialized to read the fund balance in the user identification module and write it into the RFID module, and activate the RFID module; under condition of activation, the RFID mobile phone and the trader transaction system are interactive to accomplish the payment, after the transaction, the fund balance in the user identification module is updated and make the transaction information known to moving payment platform, the moving payment platform records and updates the fund balance; when user emits reporting lost request to trader, the trader system affirms the user information in the moving payment platform and activates the RFID module in the terminal to make it lose payment capability. The invention can resolve the problem of user reporting lost processing in petty moving payment, and enhance the management function of moving payment.
Description
Technical field
The invention relates to a kind of loss register handling system and implementation method, especially about a kind of RFID mobile phone small payment loss register handling system and implementation method.
Background technology
Current, the mobile communication technology develop rapidly, relative value-added service also is among the develop rapidly.For complying with the trend of market development, the mobile communications operator wishes to develop the such added value service of mobile-payment system.Existing in the market multiple small amount payment mode, traffic all-purpose card of opening as some cities etc., it mainly is to utilize Payment Card to prestore certain amount of money for customer consumption, comprising the expenses such as vote buying and payment water power coal of getting on the bus, if trade company supports to buy some commodity in the convenience store, still, this Payment Card is non-tangible, can't report the loss processing after the user loses, the user can only accept such loss after losing Payment Card.But for the mobile communications operator, possessed REID RFID (Radio Frequency Identification) function and realized mobile small amount payment function iff portable terminals such as making mobile phone, but equally with general non-tangible card form small amount payment can not realize reporting the loss processing, be equivalent to the homogeneity product, the one, cause the difficulty of competition, the 2nd, be difficult to embody the value that mobile operator exists at mobile-payment system.Therefore, operator also will consider a detailed problem in the business when considering how to develop payment transaction, promptly report the loss handling problem.
Summary of the invention
The technical problem to be solved in the present invention provides a kind of RFID mobile phone small payment loss register handling system and implementation method, can't report the loss processing and bring the problem of loss to the user to solve the prior art small amount payment system.
The invention provides the implementation method that a kind of RFID mobile phone small payment loss register is handled for solving the problems of the technologies described above, may further comprise the steps:
(a) behind the RFID mobile phone terminal opening, to RFID module initialization wherein, the balance of funding that reads in the subscriber identification module writes the RFID module, and activates this RFID module;
(b) under state of activation, RFID mobile phone and merchant transaction system finish payment alternately, after transaction is finished, upgrade the balance of funding in the subscriber identification module, and, upgrade the balance of funding of this terminal by this platform record with the information of this transaction notice mobile payment platform;
(c) user is after business system sends the request of reporting the loss, and business system accesses the user profile on the mobile payment platform, confirm true after, the RFID module in this terminal of deactivation makes it lose paying ability.
Further, in the described step (a), behind the RFID mobile phone terminal opening, whether the subscriber identification module that detects earlier current insertion is consistent with last time, if unanimity reinitializes and activates the RFID module, otherwise, require the user to input corresponding password, check to reinitialize after errorless and activate the RFID module.
Further, in the step (c), the RFID module in this terminal of business system deactivation is finished by following steps: send to described RFID mobile phone terminal and report the loss message, and after this terminal is received this message, deactivation RFID chip immediately.
Further, the RFID mobile phone terminal activates or deactivation RFID module by zone bit is set.
Also provide a kind of loss register handling system of RFID mobile phone small payment for solving the problems of the technologies described above the present invention, it comprises: the RFID mobile phone terminal with subscriber identification module and RFID module, wherein RFID mobile phone terminal the balance of funding of can read subscriber identification module writes the RFID module, and activates the RFID module; Mobile payment platform can write down the Transaction Information that terminal sends, and upgrades the balance of funding; Business system can be accepted the request of reporting the loss, and accesses the user profile on the mobile-payment system, confirm true after, the RFID module in this terminal of deactivation makes it lose paying ability.
Further, behind the RFID mobile phone terminal opening, whether the subscriber identification module that detects current insertion earlier is consistent with last time, if consistent, reinitialize and activate the RFID module, otherwise, require the user to input corresponding password, check to reinitialize after errorless and activate the RFID module.
Further, when RFID mobile phone terminal during not at the mobile system service area, the RFID mobile phone terminal is deactivation RFID chip automatically.
Further, the RFID module in this terminal of business system deactivation is to report the loss message by sending to described RFID mobile phone terminal, after this terminal is received this message, and deactivation RFID chip immediately.
Further, the RFID mobile phone terminal activates or deactivation RFID module by zone bit is set.
Further, the subscriber identification module of RFID mobile phone terminal is the STK card.
The present invention adopts that the mode by interaction realizes reporting the loss processing between SIM card, RFID chip and the mobile payment platform and the business system of RFID mobile phone, thereby the user in the solution mobile payment of small amount reports the loss the problem of processing, user's loss is dropped to minimum level, and terminal sent a message to mobile payment platform registration consumption inventory and the balance of funding after each consumption was finished, after reporting the loss, the user can know the quantity of the balance of funding like this, realize the inventory processing of mobile payment, strengthened the management function of mobile payment greatly.
Description of drawings
Fig. 1 is the applied mobile-payment system framework of a inventive method synoptic diagram.
Fig. 2 is the start schematic flow sheet of RFID mobile phone terminal of the present invention.
Fig. 3 is the payment flow synoptic diagram of RFID mobile phone terminal of the present invention.
Fig. 4 be the embodiment of the invention RFID mobile phone small payment system report the loss schematic flow sheet.
Embodiment
As shown in Figure 1, the applied mobile-payment system of the inventive method comprises RFID mobile phone, mobile payment platform, merchant transaction system (as the POS machine, having the RFID reader) and the business system with SIM card and RFID chip.For mobile payment of small amount, the role of bank can not exist, and considers general situation, so still bank's role representation is come out among the figure.
Wherein the RFID mobile phone terminal has the RFID chip (the RFID chip also can be referred to as the RFID module) that is solidificated in the mobile phone it can read the balance of funding in subscriber identification module such as the STK card, the balance of funding is write the RFID chip, and activate the RFID chip; The merchant transaction system can with RFID chip interactive information finishing payment, and upgrade RFID the balance of funding; Mobile payment platform can write down the Transaction Information that terminal sends, and the balance of funding of new record more, and business system can be accepted the request of reporting the loss, and has access to the user profile on the mobile-payment system, but and deactivation RFID chip, make it lose trading capacity.
As shown in Figure 2, the start flow process of RFID mobile phone of the present invention may further comprise the steps:
Step 201: user's start;
Step 202: mobile phone terminal detects the STK card (SIM card that promptly has the STK function of this insertion, also can be subscriber identification modules such as UIM card with STK function) or the card of similar functions whether consistent with last time, as unanimity, then execution in step 203, otherwise execution in step 206;
This step mainly is to consider security, the user can not change the STK card generally speaking, and other people find or steal others' mobile phone after re-use after generally can changing the mobile phone card, therefore, the start back sticks into capable detection to STK, help to limit other people and illegally use the RFID mobile phone to pay, bring loss to the user.
Step 203: initialization RFID chip;
This step initialization RFID promptly requires terminal to read the balance of funding from the STK card, and remaining sum write the RFID chip for its use, in the present embodiment, then can not consume if the RFID mobile phone is related with the STK card, thereby can guarantee user's Account Security, certainly the RFID chip also can store the balance of funding, or reads the balance of funding with other modes.
Step 204: activate the RFID chip;
Activate the RFID chip by internal application (as zone bit is set), under state of activation, just can conclude the business.
Step 205: mobile phone enters holding state, and start process finishes;
Step 206: eject the interface and require the user to input the needed password of activation RFID chip;
Inconsistent when detecting, then eject the interface, require the user to input password, such mobile phone can insert different STK cards and use for many people, and everyone can consume the amount of money on oneself blocking.
Step 207: password authentification, pass through then execution in step 203 as checking, otherwise carry out next step;
Step 208: it is incorrect to eject interface notice user cipher, and the user can start input cryptographic interface activation RFID once more or supplement with money to RFID.
Above-mentioned start flow process, for the user, because final account funds is in the STK card rather than on the RFID chip, carry out the initialization and the activation of RFID chip after so each start checking again, just can conclude the business, can guarantee the user transaction security and reduce the loss to a certain extent.
Fig. 3 is the payment flow with mobile phone of RFID function, because, be simply described as follows with to report the loss flow process relevant:
Step 301: confirm that the mobile phone RFID chip is in state of activation, just can conclude the business in state of activation because have only as RFID;
Step 302: the RFID chip of mobile phone and the transaction system of trade company are carried out interacting message, upgrade the balance of funding in the RFID chip from the RFID chip behind the deduction purchase article amount of money, and transaction is finished;
Step 303: after transaction was finished, terminal was used for start next time according to the balance of funding in the renewal of the balance of funding in the RFID chip STK card;
Step 304: when upgrading the STK card, the backup of concluding the business promptly sends message to mobile payment platform, the notice payment platform writes down this Transaction Information, at least comprise the balance of funding after this transaction, payment platform upgrades the balance of funding of this terminal RFID, for reporting the loss processing.
After each consumption is finished, terminal sends a message to mobile payment platform registration consumption inventory and upgrades the balance of funding, realized the inventory processing of mobile payment, strengthened the management function of mobile payment greatly, and after the user reports the loss, can know the quantity of the balance of funding and can obtain the funds.
As shown in Figure 4, RFID mobile phone small payment loss register flow process may further comprise the steps:
Step 401: the user loses the RFID mobile phone;
Step 402: dial operator's customer service phone immediately, propose to report the loss the processing request;
Step 403: after the contact staff of operator receives and reports the loss, whether the user profile that accesses immediately on the payment platform is confirmed true, and can check the residing state of user mobile phone (presence, off-mode or out of reach state) by mobile system, the contact staff informs its balance of funding quantity of user and the residing state of terminal, and whether the user can judge that this amount of money is follow-up according to this state and might reduce.
When in the mobile phone terminal out of reach, promptly can't notify payment platform relationship trading information, the automatic deactivation RFID of mobile phone terminal this moment chip makes it not possess trading capacity, can guarantee that payment platform obtains the information of each transaction.
Step 404: business system sends to terminal immediately and reports the loss message, can adopt the form of data short message, and after terminal was received this message, deactivation RFID chip made it lose trading capacity immediately, also can adopt other mode deactivations RFID chip certainly.
Behind user's lost mobile phone, if the STK card is replaced, because the other side does not know your capital accounts password, thereby can't activate the RFID chip consumes, if consume and the other side continues to hold terminal, after the user reports the loss, mobile payment platform issues the message of deactivation RFID chip immediately to terminal, terminal is subjected to stopping immediately after the message payment function of RFID chip, then user's loss only is drop-out time and reports the loss the interior loss of this time period of time, guarantee that the balance of funding is not continued malice and uses, avoid being subjected to bigger loss.
The balance of funding in the time of can making the user obtain reporting the loss again in the following manner, a kind of mode is to send message to terminal by mobile payment platform, terminal is obtained and is write the STK card behind the data amount of money and use for the RFID chip, a kind of mode is that the user after initially relevant the proof, can write the balance of funding in the STK card when opening card when operator place opens card again.
Claims (10)
1, a kind of implementation method of RFID mobile phone small payment loss register processing may further comprise the steps:
(a) behind the RFID mobile phone terminal opening, to RFID module initialization wherein, the balance of funding that reads in the subscriber identification module writes the RFID module, and activates this RFID module;
(b) under state of activation, RFID mobile phone and merchant transaction system finish payment alternately, after transaction is finished, upgrade the balance of funding in the subscriber identification module, and, upgrade the balance of funding of this terminal by this platform record with the information of this transaction notice mobile payment platform;
(c) user is after business system sends the request of reporting the loss, and business system accesses the user profile on the mobile payment platform, confirm true after, the RFID module in this terminal of deactivation makes it lose paying ability.
2, implementation method as claimed in claim 1, it is characterized in that, in the described step (a), behind the RFID mobile phone terminal opening, whether the subscriber identification module that detects current insertion earlier is consistent with last time, if consistent, reinitialize and activate the RFID module, otherwise, require the user to input corresponding password, check to reinitialize after errorless and activate the RFID module.
3, implementation method as claimed in claim 1 or 2, it is characterized in that: the RFID module in this terminal of business system deactivation is finished by following steps: send to described RFID mobile phone terminal and report the loss message, after this terminal is received this message, deactivation RFID chip immediately.
4, implementation method as claimed in claim 1 or 2 is characterized in that: the RFID mobile phone terminal activates or deactivation RFID module by zone bit is set.
5, a kind of loss register handling system of RFID mobile phone small payment, it comprises:
RFID mobile phone terminal with subscriber identification module and RFID module, wherein RFID mobile phone terminal the balance of funding of can read subscriber identification module writes the RFID module, and activates the RFID module;
Mobile payment platform can write down the Transaction Information that terminal sends, and upgrades the balance of funding;
Business system can be accepted the request of reporting the loss, and accesses the user profile on the mobile-payment system, confirm true after, the RFID module in this terminal of deactivation makes it lose paying ability.
6, loss register handling system as claimed in claim 5, it is characterized in that: behind the RFID mobile phone terminal opening, whether the subscriber identification module that detects current insertion earlier is consistent with last time, if it is consistent, reinitialize and activate the RFID module, otherwise, require the user to input corresponding password, check to reinitialize after errorless and activate the RFID module.
7, loss register handling system as claimed in claim 5 is characterized in that: when RFID mobile phone terminal during not at the mobile system service area, the RFID mobile phone terminal is deactivation RFID chip automatically.
8, loss register handling system as claimed in claim 5 is characterized in that: the RFID module in this terminal of business system deactivation is to report the loss message by sending to described RFID mobile phone terminal, after this terminal is received this message, and deactivation RFID chip immediately.
9, loss register handling system as claimed in claim 5 is characterized in that: the RFID mobile phone terminal activates or deactivation RFID module by zone bit is set.
10, loss register handling system as claimed in claim 5 is characterized in that: the subscriber identification module of RFID mobile phone terminal is the STK card.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005101365884A CN1991926A (en) | 2005-12-30 | 2005-12-30 | RFID mobile phone small payment loss register handling system and realization method |
| PCT/CN2006/003707 WO2007076705A1 (en) | 2005-12-30 | 2006-12-30 | A method and system for realizing the small consumption by the rfid mobile terminal and the process of reporting the loss |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005101365884A CN1991926A (en) | 2005-12-30 | 2005-12-30 | RFID mobile phone small payment loss register handling system and realization method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1991926A true CN1991926A (en) | 2007-07-04 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2005101365884A Pending CN1991926A (en) | 2005-12-30 | 2005-12-30 | RFID mobile phone small payment loss register handling system and realization method |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN1991926A (en) |
| WO (1) | WO2007076705A1 (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2010022642A1 (en) * | 2008-08-29 | 2010-03-04 | 中兴通讯股份有限公司 | Enfc mobile terminal and electronic payment control method thereof |
| WO2011094995A1 (en) * | 2010-02-05 | 2011-08-11 | 中兴通讯股份有限公司 | System, near field communication terminal and method for implementing the security of electronic payment |
| CN111932244A (en) * | 2020-07-24 | 2020-11-13 | 中国银联股份有限公司 | Information processing method, device, equipment and medium |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2003152904A (en) * | 2001-11-13 | 2003-05-23 | Ms Communications:Kk | Prepaid card charging management method of cellular phone |
| JP4391134B2 (en) * | 2003-05-30 | 2009-12-24 | 株式会社日立製作所 | Mobile terminal and its management device |
-
2005
- 2005-12-30 CN CNA2005101365884A patent/CN1991926A/en active Pending
-
2006
- 2006-12-30 WO PCT/CN2006/003707 patent/WO2007076705A1/en active Application Filing
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2010022642A1 (en) * | 2008-08-29 | 2010-03-04 | 中兴通讯股份有限公司 | Enfc mobile terminal and electronic payment control method thereof |
| WO2011094995A1 (en) * | 2010-02-05 | 2011-08-11 | 中兴通讯股份有限公司 | System, near field communication terminal and method for implementing the security of electronic payment |
| CN111932244A (en) * | 2020-07-24 | 2020-11-13 | 中国银联股份有限公司 | Information processing method, device, equipment and medium |
| WO2022016843A1 (en) * | 2020-07-24 | 2022-01-27 | 中国银联股份有限公司 | Information processing method and apparatus, device and medium |
| CN111932244B (en) * | 2020-07-24 | 2023-10-20 | 中国银联股份有限公司 | Information processing method, device, equipment and medium |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2007076705A1 (en) | 2007-07-12 |
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Open date: 20070704 |