CN102307344A - Air card-locking method for mobile phone wallet - Google Patents
Air card-locking method for mobile phone wallet Download PDFInfo
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- CN102307344A CN102307344A CN201110106667A CN201110106667A CN102307344A CN 102307344 A CN102307344 A CN 102307344A CN 201110106667 A CN201110106667 A CN 201110106667A CN 201110106667 A CN201110106667 A CN 201110106667A CN 102307344 A CN102307344 A CN 102307344A
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Abstract
The invention provides an air card-locking method for a mobile phone wallet. The air card-locking method comprises the following steps that: a mobile phone wallet user applies for loss report of the mobile phone wallet to an operator; the operator transmits a card-locking instruction to a subscriber identity module (SIM) card of the mobile phone wallet; and the SIM card of the mobile phone wallet enters a locked state for freezing an account of the mobile phone wallet. By the air card-locking method for the mobile phone wallet, the mobile phone wallet user can report the loss of the mobile phone wallet and lock the SIM card after a mobile phone of the user is lost, so that the loss of the user can be reduced.
Description
[technical field]
The present invention relates to mobile phone wallet, particularly a kind of aerial card-locking method based on mobile phone wallet.
[background technology]
Mobile payment is a kind of operation flow of accomplishing payment through mobile phone.Can accomplish bank transfer, pay the fees and business activity such as shopping through mobile payment, be one of desirable solution of hyundai electronics commercial affairs.Because that mobile payment has is mobile, in real time, characteristic efficiently, can also solve the insurmountable problem of some conventional payment and can improve the efficient of traditional business workflow, such as supplement with money in the air, long-range no card spending or the like.Mobile payment market has in overseas obtained interim success, and its characteristics that combine with multiple industry help the transition of telecom operators, have obtained the attention of most of mobile operator.
Mobile phone wallet is the pattern of domestic a kind of mobile payment commonly used; Mobile phone wallet is that the relevant information with payment account leaves in the SIM cards of mobile phones; This SIM card is not only as the communication function use but also as bank's wallet card use; Communication account is controlled by operator, and bank's wallet card account is controlled by bank.
At present, the mobile phone wallet based on 13.56MHz is mainly used in brush off-line POS machine.In this consumption mode, the user can use mobile phone wallet under the situation of not starting shooting on the one hand, also need not import user password on the other hand.In addition, supply the telecom operators of mobile phone card-brushing service to report the loss and freezing of funds, in case user's mobile phone is just lost and can not have been controlled the use of mobile phone wallet like this to corresponding mobile phone wallet number of the account.This just means also no matter any people who finds mobile phone can continue to use mobile phone wallet to carry out bankcard consumption under mobile phone power-on and off-mode, remaining sum exhausts in mobile phone wallet.
Therefore, based on the consumptive characteristics of present mobile phone wallet, in case mobile phone wallet is lost, mobile phone wallet just can't be reported the loss, and can't be limited to swipe the card, and user's loss also just can't be retrieved.So, how to realize pintle hook lock is reported the loss and consumed to mobile phone wallet,, make more user use mobile phone wallet, become urgent problem with protection mobile phone wallet user ' s right.
[summary of the invention]
In view of this, but the present invention provides a kind of aerial card-locking method of mobile phone wallet of Frozen Account.
The aerial card-locking method of a kind of mobile phone wallet may further comprise the steps: the mobile phone wallet user reports the loss mobile phone wallet to operator's application; Operator issues pintle hook lock and instructs to the mobile phone wallet SIM card; And the mobile phone wallet SIM card gets into the lock-out state that freezes the mobile phone wallet account.
Preferably, issue pintle hook lock in said operator and instruct to mobile phone wallet SIM card step, if mobile phone is in open state, the mobile phone wallet SIM card receives the pintle hook lock instruction and gets into lock-out state and upload the mobile phone wallet account balance.
Preferably, after the mobile phone wallet SIM card was uploaded the mobile phone wallet account balance, the communication function of mobile phone wallet SIM card was limited.
Preferably; Issuing pintle hook lock in said operator instructs to mobile phone wallet SIM card step; If mobile phone is in off-mode,, the mobile phone wallet SIM card judges then whether the cumulative consumption amount of money surpasses Spending Limit preset in the mobile phone wallet SIM card after receiving consumption order.
Preferably, if the cumulative consumption amount of money surpasses Spending Limit preset in the mobile phone wallet SIM card, then the mobile phone wallet SIM card is locked.
Preferably, said pintle hook lock instruction can be sent to the mobile phone wallet SIM card through way of short messages.
The aerial card-locking method of mobile phone wallet of the present invention makes the mobile phone wallet user after mobile phone is lost, and can report the loss and lock mobile phone wallet, reduces user's loss.
[description of drawings]
Fig. 1 is the principle schematic of mobile phone wallet.
Fig. 2 is each state transition sketch map in the aerial card-locking method of mobile phone wallet of the preferred embodiments of the present invention.
Fig. 3 is the schematic flow sheet of reporting the loss of the aerial card-locking method of the mobile phone wallet of the preferred embodiments of the present invention.
Fig. 4 is the shutdown consumption pintle hook lock schematic flow sheet of aerial card-locking method of the mobile phone wallet of the preferred embodiments of the present invention.
[embodiment]
In order to understand the present invention better, below will combine accompanying drawing that inventive embodiment is carried out detailed explanation.
In order to overcome the existing mobile phone wallet user problem that the mobile phone wallet account can not lock and report the loss behind lost mobile phone, the invention provides a kind of aerial card-locking method of mobile phone wallet.
See also Fig. 1, the mobile phone wallet principle is shown in figure.The client of being made up of mobile phone wallet SIM card 100 and mobile phone 200 realizes bankcard consumption on consumption POS machine 300.Mobile phone 200 comprises mobile phone baseband module 210, NFC module 220 and Anneta module 230.The baseband module 210 main basic functions that realize mobile phone, realization mobile communication function links to each other with mobile phone wallet SIM card 100.NFC module 220 links to each other with baseband module 210, and Anneta module 230 is connected on the NFC module 220, makes NFC module 220 normally carry out the non-instruction interaction that connects with consumption POS machine 300.NFC module 220 links to each other with mobile phone wallet SIM card 100 and realizes the SWP protocol transmission, non-ly connects instruction and passes to mobile phone wallet SIM card 100 and handle what consumption POS machine 300 mobile phone wallets that receive were used, thereby realize the mobile phone wallet function.
See also Fig. 2, in order to make mobile phone wallet can realize locking and to report the loss function, mobile phone wallet has all defined two states---normal operating condition and lock-out state under mobile phone power-on and off-mode.
Mobile phone wallet gets into open state when mobile phone power-on.Under open state, when being with the SIM card non-locking of wallet function, then mobile phone wallet is in normal operating condition, otherwise is in the lock state.At normal operating condition, mobile phone wallet can be consumed normally.After SIM card is received the pintle hook lock order, get into the pintle hook lock state by normal operating condition at once.Under the pintle hook lock state, can't carry out mobile phone wallet consumption again.In a single day SIM card gets into the pintle hook lock state, before not carrying out release, still is the pintle hook lock state behind the mobile phone power-on.When being necessary, also can carry out release, in case the card release is in normal operating condition before not locked always through SIM card.
Mobile phone wallet gets into described off-mode when shutdown.Under off-mode, when the SIM card sheet of band wallet function was not locked, then mobile phone wallet was in normal operating condition, otherwise is in the lock state.At normal operating condition, mobile phone wallet can be consumed normally.After after SIM card is repeatedly consumed, surpassing card setting limit, move to the pintle hook lock state by normal operating condition at once, promptly automatic pintle hook lock, SIM card can't be carried out mobile phone wallet consumption again.In a single day the SIM sheet gets into the pintle hook lock state, is not the pintle hook lock state before the release always, can not consume.
Can know through above explanation; Can realize moving to the pintle hook lock state according to described aerial card-locking method under mobile phone 200 starts or off-mode in mobile phone wallet SIM card 100 by normal operating condition; To realize pintle hook lock, to freeze wallet, limiting handset wallet function.After mobile phone wallet is lost, can implement different pintle hook lock modes according to the actual value of each Status Flag to the lost handset wallet, for the mobile phone wallet after losing provides the pintle hook lock controlling mechanism.
See also Fig. 3, it after mobile phone wallet is lost, can to mobile phone open state implement report the loss pintle hook lock according to the diagram flow process for the schematic flow sheet of reporting the loss of the aerial card-locking method of the preferred embodiments of the present invention mobile phone wallet.At first, cellphone subscriber 400 in time reports the loss to operator's 500 applications after the lost mobile phone wallet.Operator 500 temporarily after reporting the loss application keeps the SIM card communication function receiving, and requires pintle hook lock platform 600 to carry out pintle hook lock to operate.Pintle hook lock platform 600 issues the pintle hook lock instruction to mobile phone wallet SIM card 100, for example sends the note that comprises the pintle hook lock instruction and arrives mobile phone wallet SIM card 100.Described mobile phone wallet SIM card 100 is moved to the pintle hook lock state with mobile phone wallet SIM card 100 by normal operating condition after the normal process at once after receiving pintle hook lock instruction, and the remaining sum of uploading mobile phone wallet is to pintle hook lock platform 600.Pintle hook lock platform 600 is nullified limiting handset wallet communication function with the communication function of mobile phone wallet SIM card 100 after receiving the mobile phone wallet remaining sum of uploading simultaneously.At this moment, because mobile phone wallet has got into the pintle hook lock state, mobile phone wallet freezes.Mobile phone wallet can't bankcard consumption at consumption POS machine 300, pintle hook lock success under the open state.
Lose the loss that cause because of shutdown consumption the back for fear of mobile phone wallet, according to also having realized pintle hook lock control to the shutdown bankcard consumption of mobile phone wallet based on mobile phone wallet shutdown consumption pintle hook lock flow chart.During shutdown consumption, mobile phone wallet SIM card 100 adds up to shut down and consumes total amount.In case the total amount of cumulative consumption surpasses the wallet Spending Limit that presets in the mobile phone wallet SIM card under the off-mode, curb consumption immediately, to realize the shutdown pintle hook lock.See also Fig. 4, when mobile phone wallet SIM card 100 on consumption POS machine 300 during shutdown consumption, mobile phone wallet SIM card 100 adds up all shutdown amount of consumptions, and when consuming at every turn and the Spending Limit of mobile phone wallet SIM card 100 compare.When accumulated amount did not surpass the Spending Limit of mobile phone wallet SIM card 100, mobile phone wallet SIM card 100 still was in described normal operating condition, can continue consumption.In case repeatedly after the shutdown consumption; When accumulated amount surpasses the Spending Limit of mobile phone wallet SIM card 100; Mobile phone wallet SIM card 100 will be moved to described pintle hook lock state by described normal operating condition at once; The automatic pintle hook lock of mobile phone wallet; Described mobile phone wallet SIM card 100 can't bankcard consumption at consumption POS machine 300, automatic pintle hook lock success under the shutdown consumption status.
As described above; The mobile phone wallet user is after lost mobile phone; Possibly exist under two kinds of consumption status at mobile phone; Can realize moving to the pintle hook lock state according to described aerial card-locking method by normal operating condition; Virtual condition according to described mobile phone wallet is implemented different pintle hook lock modes; Make described mobile phone wallet under open state, can report the loss processing immediately; And report the interior remaining sum of card to realize pintle hook lock; Freeze mobile phone wallet, described mobile phone wallet also can only be consumed up to automatic pintle hook lock in the user preset Spending Limit under off-mode.Therefore according to the method described above, the mobile phone wallet user no matter be on the POS machine, to consume under start or the off-mode, can both implement pintle hook lock to mobile phone wallet behind lost mobile phone, thereby reduces mobile phone wallet user's loss, the maximum consumer's interests that guarantee.
The above embodiment has only expressed several execution modes of this reality invention, and it describes comparatively concrete and detailed, but can not therefore be interpreted as the restriction to claim of the present invention.Should be pointed out that for the person of ordinary skill of the art under the prerequisite that does not break away from the present invention's design, can also make some distortion and improvement, these all belong to protection scope of the present invention.Therefore, the protection range of this patent should be as the criterion with accompanying claims.
Claims (6)
1. aerial card-locking method of mobile phone wallet may further comprise the steps:
The mobile phone wallet user reports the loss mobile phone wallet to operator's application;
Operator issues pintle hook lock and instructs to the mobile phone wallet SIM card; And
The mobile phone wallet SIM card gets into the lock-out state that freezes the mobile phone wallet account.
2. the aerial card-locking method of a kind of mobile phone wallet according to claim 1; It is characterized in that: issue pintle hook lock in said operator and instruct to mobile phone wallet SIM card step; If mobile phone is in open state, the mobile phone wallet SIM card receives the pintle hook lock instruction and gets into lock-out state and upload the mobile phone wallet account balance.
3. the aerial card-locking method of mobile phone wallet according to claim 2 is characterized in that: after the mobile phone wallet SIM card was uploaded the mobile phone wallet account balance, the communication function of mobile phone wallet SIM card was limited.
4. the aerial card-locking method of mobile phone wallet according to claim 1; It is characterized in that issuing pintle hook lock in said operator instructs to mobile phone wallet SIM card step; If mobile phone is in off-mode,, the mobile phone wallet SIM card judges then whether the cumulative consumption amount of money surpasses Spending Limit preset in the mobile phone wallet SIM card after receiving consumption order.
5. the aerial card-locking method of mobile phone wallet according to claim 4 is characterized in that: if the cumulative consumption amount of money surpasses Spending Limit preset in the mobile phone wallet SIM card, then the mobile phone wallet SIM card is locked.
6. according to the aerial card-locking method of each described mobile phone wallet in the claim 1 to 5, it is characterized in that: said pintle hook lock instruction can be sent to the mobile phone wallet SIM card through way of short messages.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110106667A CN102307344A (en) | 2011-04-27 | 2011-04-27 | Air card-locking method for mobile phone wallet |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110106667A CN102307344A (en) | 2011-04-27 | 2011-04-27 | Air card-locking method for mobile phone wallet |
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| CN102307344A true CN102307344A (en) | 2012-01-04 |
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| CN201110106667A Pending CN102307344A (en) | 2011-04-27 | 2011-04-27 | Air card-locking method for mobile phone wallet |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104616152A (en) * | 2015-01-16 | 2015-05-13 | 惠州Tcl移动通信有限公司 | Method for preventing excessive consumption and electronic device |
| CN104715368A (en) * | 2013-12-16 | 2015-06-17 | ***通信集团公司 | Method, device, system and relevant equipment for logging out electronic wallet |
| CN105874494A (en) * | 2014-01-03 | 2016-08-17 | 苹果公司 | Disabling mobile payments for lost electronic devices |
| CN106470407A (en) * | 2015-08-19 | 2017-03-01 | ***通信集团辽宁有限公司沈阳分公司 | The method and system that locking/unlocking controls is locked to SIM by data SMS |
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| CN101183469A (en) * | 2006-11-14 | 2008-05-21 | 中兴通讯股份有限公司 | Method of loss report and anti-fraudulent use for electronic purse |
| CN101499153A (en) * | 2008-12-26 | 2009-08-05 | 北京握奇数据***有限公司 | Method and device for implementing security mobile payment |
| CN101499190A (en) * | 2008-01-31 | 2009-08-05 | ***通信集团公司 | Security management method, system and apparatus for electronic purse |
| CN101673432A (en) * | 2009-09-22 | 2010-03-17 | 北京握奇数据***有限公司 | IC card and method for realizing electronic wallet/electronic passbook transaction |
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2011
- 2011-04-27 CN CN201110106667A patent/CN102307344A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101183469A (en) * | 2006-11-14 | 2008-05-21 | 中兴通讯股份有限公司 | Method of loss report and anti-fraudulent use for electronic purse |
| CN101499190A (en) * | 2008-01-31 | 2009-08-05 | ***通信集团公司 | Security management method, system and apparatus for electronic purse |
| CN101499153A (en) * | 2008-12-26 | 2009-08-05 | 北京握奇数据***有限公司 | Method and device for implementing security mobile payment |
| CN101673432A (en) * | 2009-09-22 | 2010-03-17 | 北京握奇数据***有限公司 | IC card and method for realizing electronic wallet/electronic passbook transaction |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104715368A (en) * | 2013-12-16 | 2015-06-17 | ***通信集团公司 | Method, device, system and relevant equipment for logging out electronic wallet |
| CN105874494A (en) * | 2014-01-03 | 2016-08-17 | 苹果公司 | Disabling mobile payments for lost electronic devices |
| CN105874494B (en) * | 2014-01-03 | 2022-06-21 | 苹果公司 | Disabling mobile payment for lost electronic devices |
| US11580518B2 (en) | 2014-01-03 | 2023-02-14 | Apple Inc. | Disabling mobile payments for lost electronic devices |
| CN104616152A (en) * | 2015-01-16 | 2015-05-13 | 惠州Tcl移动通信有限公司 | Method for preventing excessive consumption and electronic device |
| CN106470407A (en) * | 2015-08-19 | 2017-03-01 | ***通信集团辽宁有限公司沈阳分公司 | The method and system that locking/unlocking controls is locked to SIM by data SMS |
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Application publication date: 20120104 |