CN101222246A - Method and device for implementing automatic charging by near-field communication terminal, and mobile communication terminal - Google Patents
Method and device for implementing automatic charging by near-field communication terminal, and mobile communication terminal Download PDFInfo
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- CN101222246A CN101222246A CNA200810057096XA CN200810057096A CN101222246A CN 101222246 A CN101222246 A CN 101222246A CN A200810057096X A CNA200810057096X A CN A200810057096XA CN 200810057096 A CN200810057096 A CN 200810057096A CN 101222246 A CN101222246 A CN 101222246A
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Abstract
The invention discloses a method, a device and a mobile communication terminal for realizing automatic recharging of a near-field communication terminal. The method comprises the following steps: (1) a noncontact IC card electronic purse recharging requirement confirm step: the step is used to confirm whether the electronic purse needs to be recharged through comparing the balance value of the electronic purse with the preset balance threshold value in the SIM card of a terminal every time when the noncontact IC card electronic purse is used for pay-by-credit-card consumption; (2) a noncontact IC card electronic purse automatic recharging step: when confirming that the electronic purse needs to be recharged, the program in the SIM card of the terminal initiates a deduction request to the account system in which the recharging account bound with the to-be-charged electronic purse exists through an application platform; when the application platform confirms a successful deduction, corresponding balance of the electronic purse is modified through the program in the SIM card, thereby completing automatic recharging. The invention can realize automatic recharging of the electronic purse when the balance in the built-in noncontact IC card electronic purse of a near-field terminal is insufficient.
Description
Technical field
The present invention relates to the near-field communication field and be particularly related to the mobile communication terminal that a kind of near-field communication terminal is realized method, the device of automatic value-charging and adopted this square law device.
Background technology
Since the non-contact IC card technique occurs,, obtained using widely in fields such as public transport, track traffic and all-purpose cards with its characteristic such as safe, easy to use and wear-resistant.Be exactly that compatible multiple non-contact IC card standard can be supported two kinds of functions of non-contact IC card and/or reader based on the non-contact IC card technique just at present in developing near-field communication (Near Field Communication is called for short NFC) technology.If the near field communication technology is integrated on the portable terminal device, can make portable terminal device have the non-contact IC card function, based on this, after placing various electronic wallet application such as bank card, mass transit card, accumulating card and member card therein, terminal just can be used as the non-contact IC card stored value card and uses, and brings great convenience to the user.
When common non-contact IC card stored value card is used for small amount payment fields such as public transport, track traffic, limited by the function of itself, the operation of can only simply swiping the card, if the user wants to check the interior remaining sum of card of oneself, must be undertaken by the reader in places such as public transport, track traffic or recharge point; Sorry, your ticket has not enough value in finding card need supplement with money the time, must supplement with money by artificial or Recharging Machine to supplementing the site with money especially.Because the user can't grasp own consumption situation at any time, the situation of just finding oneself in the time of many times can user card punching taking place Sorry, your ticket has not enough value, need supplement with money, and often need to wait in line when supplementing with money, bring greater inconvenience to the user.
And after being integrated into the near field communication technology on the mobile communication terminal, because mobile communication terminal all has the mobile radio telecommunications ability under a lot of situations, and function such as demonstration, sounding, and stronger information processing capability arranged, can read the information in the built-in non-contact IC card stored value card and handle accordingly according to these information, for address the above problem, providing better hommization experience to bring to the user may.
If near-field communication terminal can detect the remaining sum situation of built-in non-contact IC card stored value card automatically, and when satisfying certain condition, the remaining sum value automatically stored value card is supplemented with money, and in this process, the initiation of supplementing with money, recharge amount determine etc. that each link all need not the user and intervenes, bring great convenience then can for user's use.
Summary of the invention
Technical problem to be solved by this invention is, provides a kind of near-field communication terminal to realize method, the device of automatic value-charging and uses the mobile communication terminal of this method and apparatus.In the time of can Sorry, your ticket has not enough value in the built-in non-contact IC card stored value card of near field terminal, in time remind the user, and automatically this stored value card is supplemented with money, bring great convenience to the user according to the prior setting of user.
For achieving the above object, near-field communication terminal provided by the invention is realized the method for automatic value-charging, is used for type built-in contactless IC-card stored value card and has the near-field communication terminal of mobile communication function, and this method comprises:
The non-contact IC card stored value card is supplemented the requirement validation step with money, be used for behind the described non-contact IC card stored value card bankcard consumption of each use, by comparing balance threshold value default in electronic purse balance amount value and the terminal SIM card, confirm whether this stored value card needs to supplement with money;
Non-contact IC card automatically charging for electronic purse step, when confirming that this stored value card need be supplemented with money, program in the described terminal SIM card is initiated the request of withholing by application platform to the account system that supplements the account place with money of the stored value card binding of supplementing with money with needs, after this application platform confirms to withhold success, by the remaining sum of the corresponding stored value card of modification of program in this SIM card, finish automatic value-charging.
Above-mentioned near-field communication terminal is realized the method for automatic value-charging, and described stored value card is supplemented the requirement validation step with money and further comprised:
Read the step of electronic purse balance amount, be used for after each stored value card consumption, reading the remaining sum value of this stored value card by the program in the described terminal SIM;
Comparison step, be used for will be in described remaining sum value and the terminal SIM card default balance threshold value compare, if satisfy the automatic value-charging trigger condition, confirm that then this stored value card need supplement with money.
Above-mentioned near-field communication terminal is realized the method for automatic value-charging, and described automatically charging for electronic purse step further comprises:
The automatic value-charging request step is used for by the application platform transmission automatic value-charging solicited message of terminal by wireless communication link road direction operator;
The auto deduction request step is used for after described application platform is received the automatic value-charging solicited message, sends the solicited message of withholing to the account system that supplements the account place with money of the stored value card binding of supplementing with money with needs;
The step of withholing is used for after the account, the solicited message of withholing was received by system, supplements with money from this and deducts recharge amount account, and return the confirmation of withholing to described application platform;
Supplement step with money, be used for after described application platform is received the confirmation of withholing, send to this terminal SIM card by terminal and supplement License Info with money, revise the remaining sum of corresponding stored value card, finish and supplement with money by this terminal SIM card.
Above-mentioned near-field communication terminal is realized the method for automatic value-charging, before described automatic value-charging request step, also comprise automatic value-charging prompting step, be used for when confirming that this stored value card need be supplemented with money, send the information of carrying out automatic value-charging to this terminal by described terminal SIM card.
Above-mentioned near-field communication terminal is realized the method for automatic value-charging, describedly also further comprises after supplementing step with money:
Supplement with money and finish the affirmation step, be used for supplement with money finish after, send automatic value-charging confirmation by terminal to described application platform by the program in the described terminal SIM card, and supplement the information of finishing with money by the audio or video module output of terminal;
Supplement recording step with money, be used for after described application platform is received the automatic value-charging confirmation, generate the automatic value-charging record.
Above-mentioned near-field communication terminal is realized the method for automatic value-charging, and described automatic value-charging solicited message and described supplementing with money all comprise information category flag bit, stored value card kind flag bit and automatic value-charging amount of money value in the License Info.
Above-mentioned near-field communication terminal is realized the method for automatic value-charging, comprises in the described solicited message of withholing: information category flag bit, card type class flag bit, supplement account number and deducted amount with money.
Above-mentioned near-field communication terminal is realized the method for automatic value-charging, comprises in the described confirmation of withholing: information category flag bit, stored value card kind flag bit and deducted amount.
Above-mentioned near-field communication terminal is realized the method for automatic value-charging, comprises in the described automatic value-charging confirmation: information category flag bit, stored value card kind flag bit and recharge amount.
Above-mentioned near-field communication terminal is realized the method for automatic value-charging, and the described account of supplementing with money is the account that bank account or user set up at the operator place.
Above-mentioned near-field communication terminal is realized the method for automatic value-charging, and the characteristic manner of described information is determined by operator or stipulated by the corresponding standard tissue.
Further, the present invention also provides a kind of device that adopts above-mentioned near-field communication terminal to realize the method for automatic value-charging, be arranged at built-in near-field communication security module, near field communication radio frequency module, non-contact IC card stored value card and SIM card, and terminal with mobile communication function, it is characterized in that this device comprises:
The non-contact IC card stored value card is supplemented the requirement validation module with money, be used for behind the described non-contact IC card stored value card bankcard consumption of each use, by default balance threshold value in remaining sum value and the terminal SIM card in the comparison stored value card, confirm whether this stored value card needs to supplement with money;
Non-contact IC card automatically charging for electronic purse control module, when confirming that this stored value card need be supplemented with money, program in the described terminal SIM card is initiated the request of withholing by application platform to the account system that supplements the account place with money of the stored value card binding of supplementing with money with needs, after this application platform confirms to withhold success, by the remaining sum of the corresponding stored value card of modification of program in this SIM card, finish automatic value-charging.
Said apparatus, described non-contact IC card stored value card are arranged in the described near-field communication security module, and this near-field communication security module is integrated in the SIM card, described near field communication radio frequency module be arranged in the SIM card or the terminal mainboard on.
Further, the present invention also provides a kind of mobile communication terminal that adopts above-mentioned near-field communication terminal to realize the method for automatic value-charging, comprise: the device of near-field communication security module, near field communication radio frequency module, non-contact IC card stored value card, SIM card and a pair of this non-contact IC card automatically charging for electronic purse, the device of described this automatic value-charging comprises again:
The non-contact IC card stored value card is supplemented the requirement validation module with money, be used for behind the described non-contact IC card stored value card bankcard consumption of each use, by comparing balance threshold value default in electronic purse balance amount value and the terminal SIM card, confirm whether this stored value card needs to supplement with money;
Non-contact IC card automatically charging for electronic purse control module, when confirming that this stored value card need be supplemented with money, program in the described terminal SIM card is initiated the request of withholing by application platform to the account system that supplements the account place with money of the stored value card binding of supplementing with money with needs, after this application platform confirms to withhold success, by the remaining sum of the corresponding non-stored value card of modification of program in this SIM card, finish automatic value-charging.
Compared with prior art, application of the present invention can be implemented in when Sorry, your ticket has not enough value in the built-in non-contact IC card stored value card of near-field communication terminal, according to the prior setting of user, supplement with money for automatically this stored value card, and can bring great convenience for user's use immediately to the user prompt recharging result.
Description of drawings
Fig. 1 is for having a kind of example structure schematic diagram of the portable terminal of near field communication (NFC) function among the present invention;
Fig. 2 realizes a kind of embodiment flow chart of the method for automatic value-charging for near-field communication terminal of the present invention;
Fig. 3 realizes the application system schematic diagram of the method for automatic value-charging for embodiment of the invention near-field communication terminal;
Fig. 4 realizes the mobile communication terminal structural representation of the method for automatic value-charging for adopting near-field communication terminal of the present invention.
Embodiment
Below in conjunction with the drawings and specific embodiments technical solution of the present invention being described in detail, with purpose, scheme and the effect of further understanding the present invention, but is not as the restriction to claims protection range of the present invention.
Near-field communication terminal disclosed by the invention is realized the method for automatic value-charging, be used for the mobile communication terminal of near field communication (NFC) function integrated, this terminal can be used as non-contact IC card and uses, with reference to figure 1, provide a kind of structural representation with portable terminal of near field communication (NFC) function, this terminal can be the GSM terminal that networks in China Mobile, has normal mobile communication function, the built-in mobile communication module 101 of this terminal, audio-frequency module 102, video module 103 and SIM card 20, this terminal is also integrated near-field communication security module 104 and near field communication radio frequency module 105, near-field communication safety chip 104 built-in non-contact IC card stored value cards 106 (as being Shanghai mass transit card stored value card), near-field communication security module 104 is integrated in the SIM card 20, near field communication radio frequency module 1 05 can be integrated in the SIM card 20 or in the terminal mainboard 10, and above-mentioned built-in Shanghai mass transit card stored value card 1 06 has been bound the user and supplemented account with money what China Mobile offered.
With reference to figure 2, this near-field communication terminal realizes that the method for automatic value-charging may further comprise the steps:
Step S10: the non-contact IC card stored value card is supplemented the requirement validation step with money, is used for behind each bankcard consumption, by comparing remaining sum values and terminal SIM card 20 interior default balance threshold values in the stored value card 106, confirms whether stored value card 106 needs to supplement with money;
Step S20: non-contact IC card automatic value-charging step, when confirming that this stored value card 106 need be supplemented with money, program in the described terminal SIM card 20 is initiated the request of withholing by application platform to the account system that supplements the account place with money of the non-contact IC card binding of supplementing with money with needs, after this application platform confirms to withhold success, by the remaining sum of the corresponding stored value card 106 of modification of program in this SIM card 20, finish automatic value-charging.
In the embodiment of the invention, store the balance threshold default value of setting when dispatching from the factory in the SIM card 20: 10 yuan; And automatic value-charging acquiescence trigger condition: remaining sum value＜balance threshold value; And automatic value-charging amount of money acquiescence is determined mode: increase a certain specified amount value on the remaining sum in described stored value card; And automatic value-charging amount of money default value: 100 yuan, and the user does not change these four default settings.
After swiping the card on the bus of Shanghai with certain user below, suppose that the remaining sum in the mass transit card stored value card of Shanghai is 9 yuan, then SIM card, terminal, application platform and account system finish the automatic value-charging process according to following steps, as shown in Figure 2; The whole application system schematic diagram as shown in Figure 3.
Further the embodiment of mode of the present invention is described in conjunction with Fig. 2 and Fig. 3:
Above-mentioned steps S10 further comprises:
Step S101: the terminal use is behind each use non-contact IC card stored value card bankcard consumption, and the program in the terminal SIM card reads the remaining sum value of stored value card immediately.
Step S102: the program in the terminal SIM card compares the balance threshold value of preserving in the remaining sum value that reads and the SIM card for 10 yuan, and discovery remaining sum value is lower than 10 yuan, and affirmation need be supplemented with money.
Above-mentioned steps S20 further comprises:
Program in the step 201:SIM card is found in the card remaining sum value less than 10 yuan, the every numerical value in the automatic setting automatic value-charging information, and send the automatic value-charging information to terminal, the formation of this information is as shown in table 1:
| Information category flag bit 100001 | Stored value card type code position 0010 | Automatic value-charging amount of money value 01100100 |
Table 1
In embodiments of the present invention, the automatic value-charging information that SIM card is mail to terminal is done following defining, and is as shown in table 1: comprise in this automatic value-charging information:
(1) information category flag bit, content is 100001, represents that this information is the automatic value-charging information.
(2) stored value card type code position, content is 0010, represents that this stored value card is a Shanghai mass transit card stored value card.
(3) the automatic value-charging amount of money, content are 01100100, and expression automatic value-charging amount of money value is 100 yuan.
Step S202: terminal reads information category flag bit, Card Type flag bit and automatic value-charging amount of money value in the information, and judges after receiving the automatic value-charging information that SIM card sends.
Step S203: terminal judges that described information is the automatic value-charging information, and what Sorry, your ticket has not enough value is Shanghai mass transit card stored value card, need supplement 100 yuan with money.
Step S204: terminal is set the every numerical value in the automatic value-charging solicited message, and sends this automatic value-charging solicited message by wireless communication link road direction application platform, and it is identical, as shown in table 1 with automatic value-charging information formation that this automatic value-charging solicited message constitutes.
Step S205: after application platform was received the automatic value-charging solicited message that terminal sends, application platform sent the solicited message of withholing to the account system.This solicited message of withholing constitutes as shown in table 2:
| Information category flag bit 100100 | Stored value card type code position 0010 | Supplement account number 10110101 with money | Deducted amount 01100100 |
Table 2
In embodiments of the present invention, the solicited message of withholing that the application platform is mail to the account system is done following defining, reference table 2, and this solicited message of withholing comprises:
(1) information category flag bit, content is 100100, represents that this information is the solicited message of withholing.
(2) stored value card type code position, content is 0010, represents that this stored value card is a Shanghai mass transit card stored value card.
(3) supplement account number with money, content is 10110101.
(4) deducted amount, content are 01100100, and expression deducted amount value is 100 yuan.
Step S206: after receiving the solicited message of withholing, the account system deducts 100 yuan from supplementing with money the account of Shanghai mass transit card stored value card binding, sends the confirmation of withholing to application platform then.The formation of this confirmation of withholing is as shown in table 3:
| Information category flag bit 100111 | Stored value card type code position 0010 | Deducted amount 01100100 |
Table 3
In embodiments of the present invention, the confirmation of withholing that the account system is mail to application platform is done following defining, reference table 3, and this confirmation of withholing comprises:
(1) information category flag bit, content is 100111, represents that this information is the confirmation of withholing.
(2) stored value card type code position, content is 0010, represents that this stored value card is a Shanghai mass transit card stored value card.
(3) deducted amount, content are 01100100, and expression deducted amount value is 100 yuan.
Step S207: after application platform is received the confirmation of withholing, read wherein content and judge, send to terminal then and supplement License Info with money.This formation of supplementing license request information with money is as shown in table 4:
| Information category flag bit 100010 | Stored value card type code position 0010 | Recharge amount value 01100100 |
Table 4
In embodiments of the present invention, the License Info of supplementing with money that the application platform is mail to terminal is done following defining, and as shown in table 4, this is supplemented License Info with money and comprises:
(1) information category flag bit, content is 100010, represents that this information is for supplementing License Info with money.
(2) stored value card type code position, content is 0010, represents that this stored value card is a Shanghai mass transit card stored value card.
(3) recharge amount, content are 01100100, and expression recharge amount value is 100 yuan.
Step S208: receive that application platform sends supplement License Info with money after, terminal sends to SIM card and supplements License Info with money.The formation of this information is as shown in table 4.
Step S209: receive that terminal sends supplement License Info with money after, the remaining sum of SIM card change Shanghai mass transit card is 109 yuan, finishes and supplements with money, sends the automatic value-charging confirmation to terminal then.The formation of this automatic value-charging confirmation is as shown in table 5:
| Information category flag bit 110011 | Stored value card type code position 0010 | Automatic value-charging amount of money value 01100100 |
Table 5
In the present embodiment, the automatic value-charging confirmation that SIM card is mail to terminal is done following defining, and is as shown in table 5: this automatic value-charging confirmation comprises:
(1) information category flag bit, content is 110011, represents that this information is the automatic value-charging confirmation.
(2) stored value card type code position, content is 0010, represents that this stored value card is a Shanghai mass transit card stored value card.
(3) recharge amount, content are 01100100, and expression recharge amount value is 100 yuan.
After the automatic value-charging confirmation that step S210:SIM card is sent, terminal sends the automatic value-charging confirmation to application platform.This is supplemented confirmation with money and constitutes as shown in table 5.
Step S211: after receiving the automatic value-charging confirmation that terminal is sent, application platform generates the automatic value-charging record.
In embodiments of the present invention, automatic value-charging trigger condition, electronic purse balance amount threshold value, the automatic value-charging amount of money determine that the mode and the corresponding with it automatic value-charging amount of money can be set as required by the user, be not limited in default value, can set the electronic purse balance amount threshold value that triggers automatic value-charging in advance as the user is 20 yuan, the automatic value-charging amount of money determines that mode is: the remaining sum in the stored value card is complemented to a certain specified amount value, and this specified amount is 300 yuan.
In embodiment of the present invention, the mobile communication function of terminal also can be followed other outer communication standards of GSM standard, CDMA2000 standard.
In embodiments of the present invention, also can be set in automatic value-charging success after, terminal is sounded immediately, ejects exercise question simultaneously to be on screen: " prompting of mass transit card automatic value-charging "; Content is: " your Shanghai public transport card is 100 yuan of automatic value-chargings! " information, and after the user can set successful recharging in advance, the sound that sends when terminal is pointed out.
The foregoing description has provided the integrated application of a non-contact IC card stored value card in the terminal, but application of the present invention is not limited in the application of a non-contact IC card stored value card, also applicable to the application of a plurality of stored value cards, this kind situation can be carried out automatic value-charging to each stored value card respectively, can set different automatic value-charging trigger conditions, different balance threshold values, the different automatic value-charging amount of money and determine mode and different recharge amounts, can set different prompt tones and display message simultaneously.
With reference to figure 4, the present invention also provides a kind of mobile communication terminal 40 that adopts above-mentioned near-field communication terminal to realize the method for automatic value-charging, comprise: terminal mainboard 41 and SIM card 42, audio-frequency module 43, video module 44, near-field communication security module 421, near field communication radio frequency module 422, non-contact IC card stored value card 424, this stored value card 424 is arranged in the described near-field communication security module 421, this near-field communication security module 421 is integrated in the SIM card 42, described near field communication radio frequency module 422 be arranged in the SIM42 or terminal mainboard 41 on, this mobile communication terminal 40 also comprises the device 400 of a pair of these stored value card 424 automatic value-chargings, the device 400 of this automatic value-charging comprises again: the non-contact IC card stored value card is supplemented requirement validation module 401 with money, be used for behind each bankcard consumption, by comparing remaining sum values and terminal SIM card 42 interior default balance threshold values in the stored value card 424, confirm whether this stored value card 424 needs to supplement with money; Non-contact IC card automatically charging for electronic purse control module 402, when confirming that this stored value card 424 need be supplemented with money, program in the described terminal SIM card 42 is initiated the request of withholing by application platform to the account system that supplements the account place with money of stored value card 424 bindings of supplementing with money with needs, after this application platform confirms to withhold success, by the remaining sum of the corresponding stored value card 424 of modification of program in this SIM card 42, finish automatic value-charging.
Though the present invention discloses as above with preferred embodiment; right its is not in order to limit the present invention; under the situation that does not deviate from spirit of the present invention and essence thereof; those of ordinary skill in the art work as can make various corresponding changes and distortion according to the present invention, but these corresponding changes and distortion all should belong to the protection range of the appended claim of the present invention.
Claims (14)
1. a near-field communication terminal is realized the method for automatic value-charging, is used for type built-in contactless IC-card stored value card and has the near-field communication terminal of mobile communication function, it is characterized in that this method comprises:
The non-contact IC card stored value card is supplemented the requirement validation step with money, be used for behind the described non-contact IC card stored value card bankcard consumption of each use, by comparing balance threshold value default in electronic purse balance amount value and the terminal SIM card, confirm whether this stored value card needs to supplement with money;
Non-contact IC card automatically charging for electronic purse step, when confirming that this stored value card need be supplemented with money, program in the described terminal SIM card is initiated the request of withholing by application platform to the account system that supplements the account place with money of the stored value card binding of supplementing with money with needs, after this application platform confirms to withhold success, by the remaining sum of the corresponding stored value card of modification of program in this SIM card, finish automatic value-charging.
2. realize the method for automatic value-charging according to right 1 described near-field communication terminal, it is characterized in that described stored value card is supplemented the requirement validation step with money and further comprised:
Read the step of electronic purse balance amount, be used for after each stored value card consumption, reading the remaining sum value of this stored value card by the program in the described terminal SIM;
Comparison step, be used for will be in described remaining sum value and the terminal SIM card default balance threshold value compare, if satisfy the automatic value-charging trigger condition, confirm that then this stored value card need supplement with money.
3. realize the method for automatic value-charging according to right 1 described near-field communication terminal, it is characterized in that described automatically charging for electronic purse step further comprises:
The automatic value-charging request step is used for by the application platform transmission automatic value-charging solicited message of terminal by wireless communication link road direction operator;
The auto deduction request step is used for after described application platform is received the automatic value-charging solicited message, sends the solicited message of withholing to the account system that supplements the account place with money of the stored value card binding of supplementing with money with needs;
The step of withholing is used for after the account, the solicited message of withholing was received by system, supplements with money from this and deducts recharge amount account, and return the confirmation of withholing to described application platform;
Supplement step with money, be used for after described application platform is received the confirmation of withholing, send to this terminal SIM card by terminal and supplement License Info with money, revise the remaining sum of corresponding stored value card, finish and supplement with money by this terminal SIM card.
4. near-field communication terminal according to claim 3 is realized the method for automatic value-charging, it is characterized in that, before described automatic value-charging request step, also comprise automatic value-charging prompting step, be used for when confirming that this stored value card need be supplemented with money, send the information of carrying out automatic value-charging to this terminal by described terminal SIM card.
5. near-field communication terminal according to claim 3 is realized the method for automatic value-charging, it is characterized in that, describedly also further comprises after supplementing step with money:
Supplement with money and finish the affirmation step, be used for supplement with money finish after, send automatic value-charging confirmation by terminal to described application platform by the program in the described terminal SIM card, and supplement the information of finishing with money by the audio or video module output of terminal;
Supplement recording step with money, be used for after described application platform is received the automatic value-charging confirmation, generate the automatic value-charging record.
6. near-field communication terminal according to claim 3 is realized the method for automatic value-charging, it is characterized in that described automatic value-charging solicited message and described supplementing with money all comprise information category flag bit, stored value card kind flag bit and automatic value-charging amount of money value in the License Info.
7. near-field communication terminal according to claim 3 is realized the method for automatic value-charging, it is characterized in that, comprises in the described solicited message of withholing: information category flag bit, card type class flag bit, supplement account number and deducted amount with money.
8. near-field communication terminal according to claim 3 is realized the method for automatic value-charging, it is characterized in that, comprises in the described confirmation of withholing: information category flag bit, stored value card kind flag bit and deducted amount.
9. near-field communication terminal according to claim 5 is realized the method for automatic value-charging, it is characterized in that, comprises in the described automatic value-charging confirmation: information category flag bit, stored value card kind flag bit and recharge amount.
10. near-field communication terminal according to claim 1 is realized the method for automatic value-charging, it is characterized in that, the described account of supplementing with money is the account that bank account or user set up at the operator place.
11. near-field communication terminal according to claim 3 is realized the method for automatic value-charging, it is characterized in that, the characteristic manner of described information is determined by operator or is stipulated by the corresponding standard tissue.
12. a near-field communication terminal is realized the device of automatic value-charging, be arranged at built-in near-field communication security module, near field communication radio frequency module, non-contact IC card stored value card and SIM card, and have the terminal of mobile communication function, it is characterized in that, this device comprises:
The non-contact IC card stored value card is supplemented the requirement validation module with money, be used for behind the described non-contact IC card stored value card bankcard consumption of each use, by default balance threshold value in remaining sum value and the terminal SIM card in the comparison stored value card, confirm whether this stored value card needs to supplement with money;
Non-contact IC card automatically charging for electronic purse control module, when confirming that this stored value card need be supplemented with money, program in the described terminal SIM card is initiated the request of withholing by application platform to the account system that supplements the account place with money of the stored value card binding of supplementing with money with needs, after this application platform confirms to withhold success, by the remaining sum of the corresponding stored value card of modification of program in this SIM card, finish automatic value-charging.
13. device according to claim 12, it is characterized in that, described non-contact IC card stored value card is arranged in the described near-field communication security module, and this near-field communication security module is integrated in the SIM card, described near field communication radio frequency module be arranged in the SIM card or the terminal mainboard on.
14. mobile communication terminal, comprise: the device of near-field communication security module, near field communication radio frequency module, non-contact IC card stored value card, SIM card and a pair of this non-contact IC card automatically charging for electronic purse, it is characterized in that the device of described this automatic value-charging comprises again:
The non-contact IC card stored value card is supplemented the requirement validation module with money, be used for behind the described non-contact IC card stored value card bankcard consumption of each use, by comparing balance threshold value default in electronic purse balance amount value and the terminal SIM card, confirm whether this stored value card needs to supplement with money;
Non-contact IC card automatically charging for electronic purse control module, when confirming that this stored value card need be supplemented with money, program in the described terminal SIM card is initiated the request of withholing by application platform to the account system that supplements the account place with money of the stored value card binding of supplementing with money with needs, after this application platform confirms to withhold success, by the remaining sum of the corresponding non-stored value card of modification of program in this SIM card, finish automatic value-charging.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
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|---|---|---|---|---|
| WO2012024894A1 (en) * | 2010-08-24 | 2012-03-01 | Zhang Longqi | Contactless smart card and method for same to support payment services of different banks |
| WO2012151894A1 (en) * | 2011-08-08 | 2012-11-15 | 中兴通讯股份有限公司 | Mobile terminal payment method and system, and mobile terminal |
| CN102930643A (en) * | 2012-09-20 | 2013-02-13 | 上海易酷信息技术服务有限公司 | Integrated circuit (IC) card with loading debit-credit service data interface and loading method for IC card |
| CN101393672B (en) * | 2008-10-28 | 2013-08-28 | 侯万春 | Space self-help transference system and method for mobile phone electronic purse customer |
| CN105631657A (en) * | 2014-11-06 | 2016-06-01 | 深圳市千讯数据股份有限公司 | Payment method based on non-contact type mobile payment terminal |
| CN106096954A (en) * | 2016-08-18 | 2016-11-09 | 深圳市深圳通有限公司 | Non-networked data processing equipment, non-networked data interaction system and method |
| CN106372897A (en) * | 2016-09-06 | 2017-02-01 | 努比亚技术有限公司 | Payment apparatus and method, and mobile terminal |
| CN106408294A (en) * | 2016-08-31 | 2017-02-15 | 北京握奇数据***有限公司 | IC card automatic recharge method and system |
| CN110070355A (en) * | 2019-03-11 | 2019-07-30 | 深圳市微付充科技有限公司 | A kind of virtual card method of payment, mobile device |
| CN111476578A (en) * | 2020-04-09 | 2020-07-31 | 王海刚 | NFC payment method and system, and loading method and system |
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| CN101393672B (en) * | 2008-10-28 | 2013-08-28 | 侯万春 | Space self-help transference system and method for mobile phone electronic purse customer |
| WO2012024894A1 (en) * | 2010-08-24 | 2012-03-01 | Zhang Longqi | Contactless smart card and method for same to support payment services of different banks |
| WO2012151894A1 (en) * | 2011-08-08 | 2012-11-15 | 中兴通讯股份有限公司 | Mobile terminal payment method and system, and mobile terminal |
| CN102930643A (en) * | 2012-09-20 | 2013-02-13 | 上海易酷信息技术服务有限公司 | Integrated circuit (IC) card with loading debit-credit service data interface and loading method for IC card |
| CN102930643B (en) * | 2012-09-20 | 2015-01-21 | 上海微肯网络科技有限公司 | Integrated circuit (IC) card with loading debit-credit service data interface and loading method for IC card |
| CN105631657A (en) * | 2014-11-06 | 2016-06-01 | 深圳市千讯数据股份有限公司 | Payment method based on non-contact type mobile payment terminal |
| CN106096954A (en) * | 2016-08-18 | 2016-11-09 | 深圳市深圳通有限公司 | Non-networked data processing equipment, non-networked data interaction system and method |
| CN106096954B (en) * | 2016-08-18 | 2021-08-03 | 深圳市深圳通有限公司 | Non-networking data processing device, non-networking data interaction system and method |
| CN106408294A (en) * | 2016-08-31 | 2017-02-15 | 北京握奇数据***有限公司 | IC card automatic recharge method and system |
| WO2018041090A1 (en) * | 2016-08-31 | 2018-03-08 | 北京握奇数据股份有限公司 | Method and system for automatically recharging ic card |
| CN106372897A (en) * | 2016-09-06 | 2017-02-01 | 努比亚技术有限公司 | Payment apparatus and method, and mobile terminal |
| CN110070355A (en) * | 2019-03-11 | 2019-07-30 | 深圳市微付充科技有限公司 | A kind of virtual card method of payment, mobile device |
| CN111476578A (en) * | 2020-04-09 | 2020-07-31 | 王海刚 | NFC payment method and system, and loading method and system |
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Application publication date: 20080716 |