CN105051758B - A kind of no-contact electronic wallet device and method of payment - Google Patents

A kind of no-contact electronic wallet device and method of payment Download PDF

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Publication number
CN105051758B
CN105051758B CN201480018078.4A CN201480018078A CN105051758B CN 105051758 B CN105051758 B CN 105051758B CN 201480018078 A CN201480018078 A CN 201480018078A CN 105051758 B CN105051758 B CN 105051758B
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electronic purse
money
electronic
card reader
safety
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CN105051758A (en
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邵通
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The purpose of the present invention is to propose to a kind of device and application method of no-contact electronic wallet.Stored value card obtains turnover close to card reader first;After user confirms that turnover is correct, then stored value card close to card reader, realization payment.Reach and controllably carry out contactless payment.Improve the safety experience of user.

Description

A kind of no-contact electronic wallet device and method of payment
Technical field
The invention belongs to information security field.The present invention relates to one kind enhancing non-contact communication technology stored value card The secure payment device and method of payment of safety of payment.
Background technology
No-contact electronic wallet, due to the convenience used, popularized.But because payment is in card reader Display, may illegally be distorted.The payment system refer to the attached drawing 1 of stored value card at present.There is safety inside electronic purse device 1 Device 12, wallet balances device 13 and non-contact communication device 11.After electronic purse device 1 and close card reader 2, electronic money The safety device 12 of bag apparatus 1 is connected by non-contact communication device 11 with card reader 2;When between safety device 12 and card reader 2 After password authentication, card reader 2 can send to safety device 12 and order, and such as read and write wallet balances device 13.It is right In MIFARE cards, after with the increment key of wallet balances device 13 by certification, card reader 2 can be sent to safety device 12 Increment order (supplementing with money), you can to increase the remaining sum of electronic purse balance amount device 13;When the depreciation with wallet balances device 13 is close After key is by certification, card reader 2 can send depreciation order (consumption) to safety device 12, you can to reduce electronic purse balance amount The remaining sum of device 13.Current CPU card stored value card, also similar to MIFARE cards.Only, wallet balances device 13 is CPU card A file under COS systems, and rise in value key and depreciation key is identification authentication data to this document modification power.
Prior art has one disadvantage in that, is exactly not have display device on no-contact electronic wallet device;To being deducted on earth How much, always there is in the heart uneasiness.This problem of Bus Card does not protrude.But when electronic purse device be largely used to it is general During logical people's life, this problem just becomes critically important.
With a large amount of popularizations of mobile phone and smart mobile phone, paid using smart mobile phone, particularly mobile phone realizes electronics It is even more the hot issue for turning into and paying that wallet, which is paid,.But the stored value card that mobile phone is realized at present does not all make full use of mobile phone Possessed feature:Mobile phone has battery, display screen and keyboard.
Background document on this respect may be referred to:" 200680022821.9 in transit system for Chinese patent literature Use the method and system of contactless payment ", " a kind of 200710099282.5 non-contact cards and its control method ", " a kind of 201010533245.2 method of symmetrical password authentication ", " a kind of 201010578562.6 enhancing stored value card safety Method and system ", " a kind of methods of 201010578566.4 enhanced cards safety ", " 201110083946.5 a kind of are connect based on non- The payment system and method for payment of tactile smart card ", " the 201010534863.9 contactless payment methods based on stored value card are with being System, mobile terminal ", " 02132981.8 non-contact type safety card ".Two equipment (contactless communication) are connected on short-haul connections, MIC and loudspeaker can also be used to form.The patent document of this respect may be referred to:Chinese patent literature ZL201120500867.5 " a kind of on-site payment equipment ", " ZL201210268533.9 is a kind of to be carried based on safety chip and sound The Mobile phone payment device and method of payment of wave communication ", ZL201010205532.0 " device of the secure data communication based on sound wave with Method ", ZL201120494926.2 " a kind of on-site payment equipment ", ZL201110314015.1 " a kind of method of mobile payment, System and terminal device ".These files and above mentioned all patent documents are all the background papers that this patent is realized, are The length of patent specification is saved, applicant is using the specification of above-mentioned all patent documents as the one of present patent application These application documents are written with this specification by part, expression.
The content of the invention
Increase a display on electronic purse device (card), allow users to control the paying bank of contactless payment For.Increase the secure payment experience of user.
According to the present invention's:
A kind of no-contact electronic wallet device, it includes:
Non-contact communication device, for safety device and the non-contact interactive information of card reader;
Display device, shown for safety device by dealing money;
Trading limit device, for storing dealing money limit;
Wallet balances device:For storing electronic purse balance amount;
Safety device, for passing through non-contact communication device and card reader interactive information, execution depreciation (or increment) wallet Dealing money is shown and stored to display device and arrives trading limit device by the remaining sum of remaining sum device, transmission;
Electronic purse device is obtained by non-contact communication device and will handed over close to card reader, electronic purse device safety device The easy amount of money, and shown in electronic purse device display device by dealing money;Electronic purse device safety device use will merchandise Volume sets the amount of money of electronic purse device trading limit device;Electronic purse device is again adjacent to card reader;Card reader is to electronics Wallet device sends depreciation (or increment) instruction;The amount of money in depreciation if (or increment) instruction limits with electronic purse device transaction The amount of money in volume device is consistent, electronic purse device safety device perform electronic purse device wallet balances device depreciation (or Increment).
Here it is consistent and means almost, is generally equal, naturally it is also possible to be less than or be slightly larger than.
Further, also use state device, when safety device confirms that electronic purse device is in use state, ability Carry out depreciation (or increment) work of wallet balances device remaining sum.
More specifically, it is by measuring light-sensitive device on electronic purse device to confirm that electronic purse device is in use state Light sensation amount judges.
Can also, it is by detecting certain on electronic purse device by key-like to confirm that electronic purse device is in use state State judges.
According to another aspect of the present invention:
A kind of method of payment of no-contact electronic wallet device, it includes:Electronic purse device is close to card reader, electronic money Bag apparatus safety device is obtained dealing money by non-contact communication device, and is shown in electronic purse device display device By dealing money;The electronic purse device safety device gold that dealing money is set to electronic purse device trading limit device Volume;Electronic purse device is again adjacent to card reader;Card reader sends depreciation (or increment) instruction to electronic purse device;If subtract The amount of money in value (or increment) instruction is consistent with the amount of money in electronic purse device trading limit device, electronic purse device safety Device performs the depreciation (increment) of electronic purse device wallet balances device.
Here it is consistent and means almost, is generally equal, naturally it is also possible to be less than or be slightly larger than.
Further, also confirm the step of electronic purse device leaves card reader, reading is left when electronic purse device is in The state of card device, electronic purse device safety device could set the amount of money of trading limit device.
More safely, the step of finally also electronic purse device safety device resets turnover device turnover.
Safely, the step of electronic purse device is in use state is also confirmed.
Specifically, it is light-sensitive device light sensation amount on measurement electronic purse device to confirm that electronic purse device is in use state To judge.
Can also, it is that certain key-press status comes in fact on detection electronic purse device to confirm that electronic purse device is in use state It is existing.
Brief description of the drawings
Describe the present invention with reference to the accompanying drawings, wherein
Fig. 1 represents the schematic diagram of existing no-contact electronic wallet;
Fig. 2 represents the schematic diagram of the associated system of preferred embodiment 1,2 and 3;
Fig. 3 represents schematic diagram of the mobile phone as stored value card;
Embodiment
[embodiment 1]
The 1st kind of embodiment associated according to the present invention, as shown in Figure 2.Electronic purse device 1 includes:Contactless communication Device 11, safety device 12, wallet balances device 13, display device 14 and trading limit device 15.It is wherein non-with prior art Contact stored value card is compared, and display device 14 and trading limit device 15 are the increased devices of this electronic purse device.
Card reader generation turnover (by turnover) first, and show;When the first time of electronic purse device 1 is close to card reader After 2, the safety device 12 of electronic purse device 1, obtained by non-contact communication device 11 from card reader 2 by turnover, and transmit Trading limit device 15 is shown and is stored in display device 14;When second of electronic purse device 1 is close to card reader 2, safety After device 12 and card reader 2 are by depreciation password (or increment password) authentication, safety device 12 receives what card reader 2 was sent Depreciation order (or increment order) to wallet balances device 13;Safety device 12 judges the friendship of depreciation order (or increment order) Whether easy volume is consistent with the trading limit stored in trading limit device 15, is consistent and then carries out the depreciation work of wallet balances device 13 Make (or increment work), be not consistent then without corresponding work.
Preferably, it should after closing the transaction or refusal transaction, the trading limit zero setting of trading limit device.
In embodiment 1, electronic purse device is close and close with card reader for the second time with card reader for the first time, it is understood that there may be The situation of erroneous judgement.It is desirable that close for the first time can be differentiated with close for the second time.So there is embodiment 2.
[embodiment 2]
The 2nd kind of embodiment associated according to the present invention, as shown in Figure 2.Electronic purse device 1 includes:Contactless communication Device 11, safety device 12, wallet balances device 13, display device 14 and trading limit device 15.Wherein, with prior art phase It is the increased device of this electronic purse device than display device 14 and trading limit device 15.
Card reader generation turnover (by turnover) first, and show;When the first time of electronic purse device 1 is close to card reader The safety device 12 of electronic purse device 1 after 2, obtained turnover, and be sent to from card reader 2 by non-contact communication device 11 Display device 14 is shown;After safety device 12 confirms nearby not having card reader 2 by non-contact communication device 11, storage will hand over Easy volume is in trading limit device 15;After second of electronic purse device 1 is close to card reader 2, safety device 12 is logical with card reader 2 After crossing depreciation password (or increment password) authentication, safety device 12 receive that card reader 2 sends to wallet balances device 13 Depreciation order (or increment order);Safety device 12 judges that the turnover of depreciation order (or increment order) fills with trading limit Put whether the trading limit stored in 15 is consistent, be consistent and then carry out the depreciation work (or increment work) of wallet balances device 13, It is not consistent then without corresponding work;Last trade volume device turnover zero setting.
[embodiment 3] (card reader is constant)
The 3rd kind of embodiment associated according to the present invention, as shown in Figure 2.Electronic purse device 1 includes:Contactless communication Device 11, safety device 12, wallet balances device 13, display device 14 and trading limit device 15.Wherein, with prior art phase It is the increased device of this electronic purse device than display device 14 and trading limit device 15.
In the present embodiment, card reader is exactly the card reader of original not engineered no-contact electronic wallet.So Card Reader Device cannot carry out data transmission according to the requirement of embodiment 1 and embodiment 2.Existing card reader normal operating flow can only be utilized Obtain turnover.
Card reader generates turnover, and shows;Electronic money is packed after the first time of electronic purse device 1 is close to card reader 2 1 safety device 12 is put, authentication is carried out with card reader 2;By rear, card reader 2 to electronic purse device 1 send depreciation (or Increment) order;Safety device 12 is analyzed from the order of card reader 2 by turnover, is provided simultaneously, and order performs returning for mistake Answer;Safety device 12 is shown turnover is sent into display device 14;When safety device 12 passes through non-contact communication device 11 Confirm after nearby there is no card reader, store turnover in trading limit device 15;When second of the close reading of electronic purse device 1 After card device 2, safety device 12 and card reader 2 are by depreciation password (or increment password) authentication, safety device 2 receives Card Reader The depreciation order (or increment order) to wallet balances device 13 that device is sent;Safety device 12 judge depreciation order (or increment Order) turnover whether be consistent with the trading limit stored in trading limit device 15, be consistent then progress wallet balances device 13 depreciation work (or increment work), is not consistent then without corresponding work;Last safety device 12 is to turnover device 15 trading limit zero setting.
As, the patent document " a kind of 200710099282.5 non-contact cards and its control method " of contactless payment, institute To need increase by one to judge non-contact card whether in the state device that can be used.It is exactly when safety device confirms electronic money When bag apparatus is in use state, depreciation (or increment) work of wallet balances device remaining sum could be carried out.For in existing use In being added on the card of stored value card for display device, sensor devices and the card of Jianping, mobile phone realizes the stored value card of embodiment 3 Device, button or photosensitive device need not be increased in fact to reach the purpose of safe handling.Can be directly using taking the photograph on mobile phone As the sensitive volume of head, to differentiate that mobile phone is in pocket or outer.When being exactly stronger light, could carry out depreciation or Increment work.
As shown in figure 3, with the popularization of NFC mobile phone, electronic purse device is built in mobile phone, can preferably be increased The contactless payment experience and safety experience of user.The network and telephone communication function of mobile phone can not need.Simply mobile phone The non-contact short-haul connections functions of NFC are necessary.
Safety chip 12 first is a chip for possessing computing capability, also substantial amounts of storage resource.More than obvious wallet Volume device can be realized on the memory of safety chip 12.So, safety chip and NFC13 chips may be constructed traditional non- Contact pays stored value card.Trading limit device can be realized on the memory in safety chip, along with use mobile phone Display is display device.So, mobile phone is exactly the electronic purse device 1 of embodiment 1.If in the camera plus mobile phone, So mobile phone can realizes the function of use state.When mobile phone is in pocket, camera sensitive volume is low, forbids electronic money The use of bag.
The contactless communication of this specification is substantially illustrated with NFC, but the means of contactless communication are a lot, also wrap Include acoustic communication, two-dimentional code communication etc..Stored value card is for the first time secure transfer trade gold specified number close to the essence of card reader According to stored value card, this can use other cipher protocols such as public key cryptosyst;So data transfer and authentication passes simultaneously Send.Second of close essence is exactly the payment of original stored value card, is only merchandised by for the first time close to dealing money Limitation.
Illustrate the method for the present invention with embodiment above.But the present invention is not fully limited for Bank application, show Online game can also be so applied to, also have other to need the application of authentication data (amount of money).Do not limit and be served only for mobile phone neck yet Domain, can be the electronic purse card with display and (or) photoelectric sensor completely.Although to this hair in the embodiment more than It is bright to be described, it is to be understood that, the description of above example is illustrative and be not restrictive, the skilled skill of this area Art personnel are appreciated that on the premise of the spirit and scope of the present invention being defined by the claims are not departed from, and can be made each Kind deformation, improve, change and replace.

Claims (10)

1. a kind of no-contact electronic wallet device, it includes:
Non-contact communication device, for safety device and the non-contact interactive information of card reader;
Display device, shown for safety device by dealing money;
Trading limit device, for storing dealing money limit;
Wallet balances device:For storing electronic purse balance amount;
Safety device, for being filled by non-contact communication device and card reader interactive information, execution depreciation or increment wallet balances Dealing money is shown and stored to display device and arrives trading limit device by the remaining sum put, transmission;
Electronic purse device is obtained trade gold close to card reader, electronic purse device safety device by non-contact communication device Volume, and shown in electronic purse device display device by dealing money;Electronic purse device safety device is with by dealing money The amount of money of electronic purse device trading limit device is set;Electronic purse device is again adjacent to card reader;Card reader is to electronic money Bag apparatus sends depreciation or increment instruction;If depreciation or the amount of money and electronic purse device trading limit device in increment instruction In the amount of money be consistent, electronic purse device safety device perform electronic purse device wallet balances device depreciation or increment.
2. device according to claim 1, it is characterised in that also have use state device, when safety device confirms electronic money packaging Put when being in use state, depreciation or the increment work of wallet balances device remaining sum could be carried out.
3. device according to claim 2, it is characterised in that it is by measuring electricity to confirm that electronic purse device is in use state Light-sensitive device light sensation amount judges on sub- wallet device.
4. device according to claim 2, it is characterised in that it is by detecting electricity to confirm that electronic purse device is in use state Certain key-press status on sub- wallet device judges.
5. a kind of method of payment of no-contact electronic wallet device, it includes:
A, for electronic purse device close to card reader, electronic purse device safety device is obtained by non-contact communication device will transaction The amount of money, and shown in electronic purse device display device by dealing money;
B, the electronic purse device safety device amount of money that dealing money is set to electronic purse device trading limit device;
C, electronic purse device is again adjacent to card reader;
D, card reader sends depreciation or increment instruction to electronic purse device;
The amount of money during E, if depreciation or increment instruct is consistent with the amount of money in electronic purse device trading limit device, electronic money Bag apparatus safety device performs the depreciation increment of electronic purse device wallet balances device.
6. method according to claim 5, it is characterised in that step B also has the step for confirming that electronic purse device leaves card reader Suddenly, when electronic purse device could set trading limit to fill in the state for leaving card reader, electronic purse device safety device The amount of money put.
7. method according to claim 6, it is characterised in that after step E, also electronic purse device safety device resets transaction The step of limit device trading limit.
8. according to the method for claim 5 or 6, it is characterised in that step E, which also has, confirms that electronic purse device is in use state The step of.
9. method according to claim 8, it is characterised in that it is measurement electronic money to confirm that electronic purse device is in use state Light-sensitive device light sensation amount judges in bag apparatus.
10. method according to claim 8, it is characterised in that it is detection electronic money to confirm that electronic purse device is in use state Certain key-press status is realized in bag apparatus.
CN201480018078.4A 2013-03-26 2014-03-25 A kind of no-contact electronic wallet device and method of payment Active CN105051758B (en)

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CN201480018078.4A CN105051758B (en) 2013-03-26 2014-03-25 A kind of no-contact electronic wallet device and method of payment

Applications Claiming Priority (4)

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CN201310097569X 2013-03-26
CN201310097569 2013-03-26
PCT/CN2014/074015 WO2014154127A1 (en) 2013-03-26 2014-03-25 Non-contact electronic wallet device and payment method
CN201480018078.4A CN105051758B (en) 2013-03-26 2014-03-25 A kind of no-contact electronic wallet device and method of payment

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* Cited by examiner, † Cited by third party
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CN109784884A (en) * 2018-12-28 2019-05-21 佛山科学技术学院 A kind of electronic purse device and its method of commerce of identity-based card

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CN201984481U (en) * 2010-10-22 2011-09-21 钱袋网(北京)信息技术有限公司 Portable value storage device
CN202049510U (en) * 2011-03-04 2011-11-23 恩门科技股份有限公司 Bank card device having display function
CN102640176A (en) * 2009-04-24 2012-08-15 洛格摩提公司 Method and system of electronic payment transaction, in particular by using contactless payment means

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CN1348571A (en) * 1999-03-23 2002-05-08 德国捷德有限公司 Data carrier with a battery and display
CN101051360A (en) * 2007-05-16 2007-10-10 北京飞天诚信科技有限公司 Non-contact card and its control method
CN102640176A (en) * 2009-04-24 2012-08-15 洛格摩提公司 Method and system of electronic payment transaction, in particular by using contactless payment means
CN101635076A (en) * 2009-05-31 2010-01-27 北京飞天诚信科技有限公司 Trading device and implement method
CN201984481U (en) * 2010-10-22 2011-09-21 钱袋网(北京)信息技术有限公司 Portable value storage device
CN102034306A (en) * 2010-12-31 2011-04-27 上海众人网络安全技术有限公司 System and method for displaying real-time transaction data information of electronic purse
CN202049510U (en) * 2011-03-04 2011-11-23 恩门科技股份有限公司 Bank card device having display function

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WO2014154127A1 (en) 2014-10-02

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