CN100543786C - An electronic wallet and its electronic money transfer method - Google Patents
An electronic wallet and its electronic money transfer method Download PDFInfo
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- CN100543786C CN100543786C CNB2005100865248A CN200510086524A CN100543786C CN 100543786 C CN100543786 C CN 100543786C CN B2005100865248 A CNB2005100865248 A CN B2005100865248A CN 200510086524 A CN200510086524 A CN 200510086524A CN 100543786 C CN100543786 C CN 100543786C
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Abstract
本发明涉及用户消费的电子卡片系统，特别涉及到将无线网络、银行系统相结合的电子钱包，及一种电子货币转移转移方法。本发明提供的电子钱包包括IC卡读写电路、无线读写应答电路、常规存储区和加密存储区，所述常规存储区和加密存储区均与IC卡读写电路电连接；所述常规存储区与无线读写应答电路电连接；所述IC卡读写电路通过IC读写数据线与核心处理单元相连。本发明还提供了一种从固定电子钱包将电子货币转移到消费电子钱包的方法。本发明的优点是：(1)具备小额消费的优势同时兼顾大额消费的功能；(2)能够预存一定数额的电子货币，以备在无法连接金融网络的情况下进行消费；(3)具备两级消费方式，对固定电子钱包采取加密保护。
The invention relates to an electronic card system for user consumption, in particular to an electronic wallet combining a wireless network and a banking system, and an electronic money transfer method. The electronic wallet provided by the invention comprises an IC card read-write circuit, a wireless read-write response circuit, a conventional storage area and an encrypted storage area, and the conventional storage area and the encrypted storage area are all electrically connected with the IC card read-write circuit; The area is electrically connected with the wireless read-write response circuit; the IC card read-write circuit is connected with the core processing unit through the IC read-write data line. The invention also provides a method of transferring electronic money from a stationary electronic wallet to a consumer electronic wallet. The advantages of the present invention are: (1) possessing the advantages of small-amount consumption while taking into account the function of large-amount consumption; (2) being able to store a certain amount of electronic money in advance for consumption when the financial network cannot be connected; (3) It has two levels of consumption and adopts encryption protection for fixed electronic wallets.
Description
Technical field
The present invention relates to be used for the electronic card system of customer consumption, specially refer to a kind of stored value card that wireless network, banking system are combined, and a kind of electronic money transfer method.
Background technology
During at present stored value card is at home and abroad realized, generally wireless radio-frequency, mobile phone technique, radio network technique and banking system are merged mutually and realize.
Radio frequency label (RFID) technology is promoted day by day, has been deep into the every aspect of daily life at present, as second generation I.D. technology, gate inhibition's card, bank card or the like.
Radio frequency label is the organic component of radio frequency system, and radio frequency system generally comprises radio-frequency (RF) tag, read write line, and with because of the service the different computer service system of difference.Radio frequency system most principal work frequency is 0～135kHz, ISM frequency 6.78MHz, 13.56MHz, 27.125MHz, 40.68MHz, 433.92MHz, 869.0MHz, 915.0MHz, 2.45GHz, 5.8GHz and 24.125GHz at present.
Present mobile phone is divided into GSM mobile handset, CDMA mobile phone, 3G mobile, WLAN mobile phone and WLL mobile phone (being Personal Handyphone System) etc. according to the difference of Radio Access Network.Though access network difference, but mobile phone is made up of radio frequency part, core processing part (being mobile phone CPU), I/O part (keyboard and display screen), power pack (battery), SIM card interface section basically, SIM card is independent physical entity, does not comprise SIM card in handset structure.
The technology that has the mobile phone (as the FeliCa mobile phone) of electronic purse function partly to use at present in Network Transmission, different with the difference of network, use RFID technology, magnetic card and IC-card technology between mobile phone and consumer device, the ATM; And the contact between the financial sector can be used wireless network transmission technology such as GPRS, CDMA1X.The user uses mobile phone to consume dual mode at present: (1) user directly consumes, and does not need to input password, and this consumption generally belongs to small amount consumption; (2) user's indirect consumption needs the input password, and this consumption pattern is suitable for wholesale consumption, and needs the positive cooperation of backstage financial sector.
Summary of the invention
The object of the present invention is to provide a kind of stored value card, make things convenient for the use of consumption user, simultaneously in order to overcome in the present small amount process of consumption, the not enough situation of the electronic money of appearance provides a kind of method of electronic money being transferred to the consumer electronics wallet from fixing stored value card.
To achieve the above object of the invention, stored value card provided by the invention (as shown in Figure 6) comprises IC-card read/write circuit, radio read-write answering circuit and memory block; It is characterized in that described memory block comprises conventional memory block and encrypt the memory block that described conventional memory block and encryption memory block all are electrically connected with the IC-card read/write circuit; Described conventional memory block is electrically connected with the radio read-write answering circuit; Described IC-card read/write circuit links to each other with core processing unit by the IC line that reads and writes data.
In the technique scheme, described conventional memory block is meant in the electronic media, the zone that standard compliant electronic money read write line can both read; Described encryption memory block is meant in the electronic media, needs user cipher could extract the zone of electronic money.
In the technique scheme, described radio read-write answering circuit and conventional memory block adopt the RFID technology to realize; Described radio read-write answering circuit is electrically connected with radio-frequency antenna.
In the technique scheme, described encryption memory block adopts safety encipher mechanism to realize.
In the technique scheme, described stored value card is the electronic card of independent form or be integrated on other consumer electronics product.
In the technique scheme, described stored value card is integrated on the mobile phone, and described IC-card read/write circuit links to each other with mobile phone CPU by the IC line that reads and writes data; Described radio read-write answering circuit is electrically connected with radio-frequency antenna, and this radio-frequency antenna is installed on the phone housing.
To achieve the above object of the invention, electronic money transfer method provided by the invention comprises the steps:
1) user starts the electronic money transfer;
2) user's input validation sign indicating number;
3) identifying code is correct, then needs input to add the amount of money; Otherwise prompting user rs authentication sign indicating number failure;
4) if encrypt the amount of money in the memory block greater than the input amount of money, and the input amount of money adds that remaining sum in the conventional memory block less than top limit, then adds the electronic money of being asked to conventional memory block;
5) if encrypt the amount of money in the memory block greater than the input amount of money, and the input amount of money adds that remaining sum in the conventional memory block is greater than top limit, then point out the user, conventional memory block is full, and add the electronic money of the difference of top limit and conventional memory block remaining sum to conventional memory block, and the prompting user this shifted the electronic money of the difference of top limit and conventional memory block remaining sum;
6) if the amount of money in the encryption memory block less than the input amount of money, then points out the user to supplement with money to encrypting the memory block from the equipment of financial institution, perhaps point out the user to import, and then finish supplementing with money of conventional memory block less than the amount of money of encrypting in the memory block.
Stored value card of the present invention is consumed to compare with mobile phone with present stored value card and had following advantage: (1) possesses the advantage of small amount consumption and takes into account the function that wholesale is consumed simultaneously; (2) can the prestore electronic money of certain number is in order to consuming under the situation that can't connect banking network; (3) possess the two-stage consumption pattern, fixing stored value card is taked encipherment protection.
Description of drawings
Fig. 1 is that stored value card constitutes block diagram
Fig. 2 is a small amount consumption scene
Fig. 3 is a small amount consumption process flow diagram
Fig. 4 is a digicash jump operation process flow diagram
Fig. 5 is the module diagram of the preferred embodiment of the present invention, among Fig. 5
Expression IC reads signal wire.
Fig. 6 is another module diagram of the preferred embodiment of the present invention, among Fig. 6
Expression IC reads signal wire.
Embodiment
Stored value card provided by the invention comprises two parts in logic: fixedly stored value card and consumer electronics wallet (as shown in Figure 1).
Wherein, fixedly stored value card is meant in the electronic media (as storer), needs user cipher could extract the zone of electronic money.
The consumer electronics wallet is meant the zone that any standard compliant electronic money read write line can both read.
Stored value card can be the electronic card of independent form, also can combine with other consumer electronics products and the equipment complex that constitutes.
In consumer electronics product, no matter fixedly whether stored value card and consumer electronics wallet are realized in a physical module, perhaps rely on other physical modules respectively, and the two combines the stored value card that all forms under the present invention.
Below in conjunction with the drawings and specific embodiments, be further elaborated to stored value card provided by the invention and from the method that fixing stored value card is transferred to the consumer electronics wallet with electronic money.
Embodiment
The realization of RFID technology needs read head and radio electronic label." radio RF recognition technology (RFID) theoretical with use " that the circuit diagram of read head, structure and manufacture craft are write referring to: You Zhanqing, Li Sujian etc., Electronic Industry Press 2004, P57-73; " radio RF recognition technology (RFID) theoretical with use " that the circuit diagram of radio electronic label, structure and manufacture craft are write referring to: You Zhanqing, Li Sujian etc., Electronic Industry Press 2004, P74-90).
Make a RFID module, this module comprises IC-card read/write circuit, radio read-write answering circuit, conventional memory block and encrypts the memory block.The neglecting actual needs greatly of storage area of RFID module and deciding is 256 bytes in the present embodiment, and conventional memory block and the size of encrypting the memory block respectively are 128 bytes.Conventional memory block can be by the read/write circuit read-write of RFID; Encrypting the memory block can not be read by the read/write circuit of RFID, can only just can read by the IC-card read-write mode, and encryption mechanism safe in utilization is realized.(conventional memory block and encrypt the memory block realization can referring to: Wang Zhuoren, Deng Jinjun, Liu Zongxiang write: " technology of IC-card and application " 1999, pp146-147,156-162).
Radio read-write answering circuit and antenna (can use 13, the frequency that the frequency of 56MHz or other domestic permissions are used) link to each other, and antenna can be integrated in phone housing.Radio electronic label is formed in radio read-write answering circuit and conventional memory block.Conventional memory block, encryption memory block all are electrically connected with the IC-card read/write circuit, and the IC-card read/write circuit is electrically connected (as Fig. 5, shown in Figure 6) by the IC reading writing signal line with mobile phone CPU.
Previously described RFID module is integrated on the mobile phone, and respective antenna is installed on the phone housing.
Conventional in the present embodiment memory block, encryption memory block are equivalent to the external memory storage of mobile phone CPU.
As mentioned before, the present invention is from being divided into two parts in logic: fixedly stored value card and consumer electronics wallet (as shown in Figure 1).Encrypt the memory block in the present embodiment and constitute fixedly stored value card, conventional memory block constitutes the consumer electronics wallet.
As shown in Figure 2, the invention provides an application scenarios of stored value card:
Wherein, the e-ticketing machine is actually a RFID reader, has the RFID read head in this reader, can read and write data from rfid card.
In this scene, the e-ticketing machine, such as the subway ticketing, when the mobile phone of holding stored value card of the present invention as the passenger need be taken subway, near the e-ticketing machine, the e-ticketing machine read digicash information from RFID with mobile phone, and it is therefrom deducted, print papery afterwards and take advantage of ticket, perhaps form guaranteed votes electronically, deposit in the RFID module.When reading digicash information, if coin is not enough, then reader is pointed out the user.The user will according to below with the process that is described in detail from fixedly the stored value card digicash being transferred to the consumer electronics wallet.
In the present embodiment, as shown in Figure 3, that the reciprocal process between the consumer electronics wallet in e-ticketing machine and the mobile phone is as follows:
A) user is with the close e-ticketing machine of mobile phone;
B) electronic money in the machine-readable cancellation fee stored value card of e-ticketing;
C) judge that the e-ticketing machine judges whether electronic money is full-amount, then forms paper-bill or electronic ticket in full amount; Deficiency is then pointed out the user;
D) the prompting user carries out the electronic money jump operation.
The user carries out the electronic money jump operation, promptly from fixing stored value card electronic money is transferred to the method for consumer electronics wallet, and as shown in Figure 4, this method realizes as follows:
A) in the customer consumption process, the consumer electronics wallet coin deficiency or user occur as required, need add electronic money to the consumer electronics wallet;
B) user operates on cell phone keyboard, enters the electronic money jump menu;
C) user's input validation sign indicating number on cell phone keyboard;
D) identifying code is correct, then needs input to add the amount of money; Otherwise prompting user rs authentication sign indicating number failure;
E) if the amount of money fixedly in the stored value card greater than the input amount of money, and the input amount of money adds that remaining sum in the consumer electronics wallet less than top limit, then adds the electronic money of being asked to the consumer electronics wallet;
F) if the amount of money fixedly in the stored value card greater than the input amount of money, and the input amount of money adds that remaining sum in the consumer electronics wallet is greater than top limit, then point out the user, the consumer electronics wallet is full, and add the electronic money of the difference quantity of top limit and consumer electronics wallet balances to the consumer electronics wallet, and the prompting user this shifted the electronic money of the difference quantity of top limit and consumer electronics wallet balances;
G), perhaps point out the user to import, and then finish recharging of consumer electronics wallet less than the amount of money in the fixing stored value card if the amount of money fixedly in the stored value card less than the input amount of money, then points out the user to recharge to fixing stored value card from the equipment of financial institution.
Fixedly stored value card is equivalent to credit card, but possesses the memory function of electronic money, supplement process with money and extract the process of cash now from bank identical, SMS platform mode that can be by encrypting, the ATM of enhancement mode or to lobby.
Claims (6)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB2005100865248A CN100543786C (en) | 2005-09-27 | 2005-09-27 | An electronic wallet and its electronic money transfer method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNB2005100865248A CN100543786C (en) | 2005-09-27 | 2005-09-27 | An electronic wallet and its electronic money transfer method |
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| Publication Number | Publication Date |
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| CN1941008A CN1941008A (en) | 2007-04-04 |
| CN100543786C true CN100543786C (en) | 2009-09-23 |
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| CNB2005100865248A Expired - Fee Related CN100543786C (en) | 2005-09-27 | 2005-09-27 | An electronic wallet and its electronic money transfer method |
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Families Citing this family (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101425202B (en) * | 2008-04-17 | 2010-07-21 | 上海凯路微电子有限公司 | Disposable electronic purse and method for making subtraction operation and reading balance amount for the electronic purse |
| KR20100114477A (en) * | 2009-04-15 | 2010-10-25 | 에스케이 텔레콤주식회사 | Electronic money charging service system, server and method therefor |
| US9378498B2 (en) * | 2009-11-20 | 2016-06-28 | Feitian Technologies Co., Ltd | Method for loading double e-wallets |
| KR20190041539A (en) * | 2011-05-31 | 2019-04-22 | 블랙호크 네트워크, 아이엔씨. | A system for payment via electronic wallet |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1250920A (en) * | 1998-06-24 | 2000-04-19 | 富士通株式会社 | Electronic cash card settling account system |
| US20020139849A1 (en) * | 2000-09-18 | 2002-10-03 | Gangi Frank J. | Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources |
| CN1558364A (en) * | 2004-01-17 | 2004-12-29 | 江正昌 | Multifunctional IC card reader writer for mobile phone |
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2005
- 2005-09-27 CN CNB2005100865248A patent/CN100543786C/en not_active Expired - Fee Related
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1250920A (en) * | 1998-06-24 | 2000-04-19 | 富士通株式会社 | Electronic cash card settling account system |
| US20020139849A1 (en) * | 2000-09-18 | 2002-10-03 | Gangi Frank J. | Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources |
| CN1558364A (en) * | 2004-01-17 | 2004-12-29 | 江正昌 | Multifunctional IC card reader writer for mobile phone |
Non-Patent Citations (1)
| Title |
|---|
| 支付系统中的智能卡(一至四). 王卓人，28-33，29-32，27-32，25-31，华南金融电脑. 2002 * |
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| CN1941008A (en) | 2007-04-04 |
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Owner name: ALVIEW TECHNOLOGIES (BEIJING) LTD. Free format text: FORMER OWNER: INSTITUTE OF ACOUSTICS, CHINESE ACADEMY OF SCIENCES Effective date: 20121218 |
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Effective date of registration: 20121218 Address after: 100085, No. 21 West Fourth Ring Road, Beijing, Haidian District Patentee after: Catcher Technology (Beijing) Co.,Ltd. Address before: 100080, No. 21 West Fourth Ring Road, Beijing, Haidian District Patentee before: Institute of acoustics, Chinese Academy of Sciences |
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Correction item: Patentee Correct: Shouwangzhe Technology (Beijing) Co., Ltd.|100085, room 3, building 1, No. ten, 1604 street, Haidian District, Beijing False: Shouwangzhe Technology (Beijing) Co., Ltd.|100085, No. 21 West Fourth Ring Road, Beijing, Haidian District Number: 03 Volume: 29 |
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