CN104700269A - Mobile payment method and device - Google Patents
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- CN104700269A CN104700269A CN201510149577.3A CN201510149577A CN104700269A CN 104700269 A CN104700269 A CN 104700269A CN 201510149577 A CN201510149577 A CN 201510149577A CN 104700269 A CN104700269 A CN 104700269A
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Abstract
The invention relates to a mobile payment method and device which is used for achieving separation of electronic cash and electronic bank card business in relevant technologies. The mobile payment method comprises the steps that after registration of a user of a mobile device on a card issuing platform succeeds, a prepayment card provided by the card issuing platform is downloaded to a safe module of the mobile device in an over-the-air downloading mode; when the user needs to pay fund of first set money amount to a transaction party, the fund of first set money amount in the prepayment card is transferred to an account of the transaction party. By means of the technical scheme, separation of the electronic cash and the electronic bank card business in relevant technologies can be achieved, and the initiative of a card issue party in the transaction payment process is improved.
Description
Technical Field
The present disclosure relates to the field of electronic technologies, and in particular, to a mobile payment method and apparatus.
Background
With the continuous development of mobile payment services, the payment security problem is more and more emphasized by users, and the mobile payment electronic wallet service based on hardware security is becoming an important direction for the development of mobile payment services. Banks, mobile operators, mobile equipment manufacturers and third-party payment manufacturers all want to participate in mobile payment ecological construction based on hardware security, and in the related technology, the banking industry dominant scheme realizes control over the whole business by controlling users to bind existing bank cards, so that the initiative of other participants is reduced.
Disclosure of Invention
In order to overcome the problems in the related art, embodiments of the present disclosure provide a mobile payment method and apparatus for separating electronic cash from electronic bank card services.
According to a first aspect of embodiments of the present disclosure, there is provided a mobile payment method, including:
after a user of the mobile equipment successfully registers on a card issuing platform, downloading a prepaid card provided by the card issuing platform to a security module of the mobile equipment in an over-the-air downloading mode;
transferring funds in the prepaid card to an account of a transaction party for a first set amount when the user needs to pay the funds to the transaction party for the first set amount.
In one embodiment, the transferring of the first set amount of funds in the prepaid card to the account of the transaction party may include:
determining an account type of an account of the transaction party;
transferring funds of the first set amount in the prepaid card to an account corresponding to the account type in an NFC mode; or,
and transferring the funds of the first set amount in the prepaid card to an account corresponding to the account type in an online payment mode.
In an embodiment, the method may further comprise:
binding the prepaid card with the bank card of the user;
and transferring funds with a second set amount into the prepaid card through the bank card.
In an embodiment, the method may further comprise:
when the user needs to log off the prepaid card, sending a log-off request message to the card issuing platform through the mobile equipment, wherein the log-off request message carries the identity of the user and the card number information of the prepaid card;
and receiving a logout feedback message from the card issuing platform to determine to logout the prepaid card, wherein the logout feedback message carries the identity of the user and the card number information.
According to a second aspect of embodiments of the present disclosure, there is provided a mobile payment device, comprising:
the mobile device comprises a downloading module, a security module and a control module, wherein the downloading module is configured to download a prepaid card provided by a card issuing platform to the security module of the mobile device in an over-the-air downloading mode after a user of the mobile device successfully registers on the card issuing platform;
a payment module configured to transfer the funds of the first set amount in the prepaid card downloaded by the download module to an account of a transaction party when the user needs to pay the funds of the first set amount to the transaction party.
In one embodiment, the payment module may include:
a determination submodule configured to determine an account number type of an account of the transaction party;
a first payment sub-module configured to transfer funds of the first set amount in the prepaid card downloaded by the downloading module to an account corresponding to the account type determined by the determining sub-module in an NFC manner; or,
and the second payment sub-module is configured to transfer funds of the first set amount in the prepaid card downloaded by the downloading module to an account corresponding to the account type determined by the determining sub-module in an online payment manner.
In an embodiment, the apparatus may further comprise:
the account number binding module is configured to bind the prepaid card downloaded by the downloading module with the bank card of the user;
and the fund transfer module is configured to transfer funds of a second set amount into the prepaid card through the bank card bound by the account number binding module.
In an embodiment, the apparatus may further comprise:
a sending module, configured to send a logout request message to the card issuing platform when the user needs to logout the prepaid card downloaded by the downloading module, where the logout request message carries an identity of the user and card number information of the prepaid card;
the receiving module is configured to receive a logout feedback message from the card issuing platform for determining to logout the prepaid card downloaded by the downloading module, wherein the logout feedback message carries the identity of the user and the card number information sent by the sending module.
According to a third aspect of embodiments of the present disclosure, there is provided a mobile payment device, comprising:
a processor;
a memory for storing processor-executable instructions;
wherein the processor is configured to:
after a user of the mobile equipment successfully registers on a card issuing platform, downloading a prepaid card provided by the card issuing platform to a security module of the mobile equipment in an over-the-air downloading mode;
transferring funds in the prepaid card to an account of a transaction party for a first set amount when the user needs to pay the funds to the transaction party for the first set amount.
The technical scheme provided by the embodiment of the disclosure can have the following beneficial effects: the fund of the first set amount in the prepaid card is transferred to the account of the transaction party, so that the transaction can be realized by the prepaid card downloaded by the user and the transaction party through the card issuing platform, the separation of the electronic cash from the electronic bank card service in the related technology is realized, and the initiative of the card issuing party in the transaction payment process is improved.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention.
Fig. 1 is a flow diagram illustrating a mobile payment method according to an example embodiment.
Fig. 2A is a flow diagram illustrating a mobile payment method according to an example embodiment.
FIG. 2B is a diagram illustrating a mobile payment method in accordance with an exemplary embodiment.
Fig. 3 is a flow chart illustrating a mobile payment method according to an example embodiment two.
Fig. 4 is a block diagram illustrating a mobile payment device according to an example embodiment.
Fig. 5 is a block diagram illustrating another mobile payment device according to an example embodiment.
Fig. 6 is a block diagram illustrating a suitable mobile payment device according to an exemplary embodiment.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present invention. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the invention, as detailed in the appended claims.
Fig. 1 is a flowchart illustrating a mobile payment method according to an exemplary embodiment, which may be applied to a mobile device (e.g., a smart phone, a tablet), as shown in fig. 1, the mobile payment method includes the following steps S101-S102:
in step S101, after the user of the mobile device successfully registers on the card issuing platform, the prepaid card provided by the card issuing platform is downloaded to the security module of the mobile device in an over-the-air downloading manner.
In one embodiment, the issuing platform may be any payment platform distinct from a bank or bank card organization, on which a merchant may be allowed to issue a shopping card for the merchant (e.g., supermarket a issues a supermarket shopping card through the payment platform, pastry B issues a pastry shopping card through the payment platform, e-commerce platform C issues an online shopping card through the payment platform, etc.). In one embodiment, the prepaid card can be consumed in POS and ATM machines posted with chinese union pay (or other bank card organizations) identifiers, and can enjoy cardholder services provided by the chinese union pay (or other bank card organizations) and card issuing organizations according to the contract for acceptance, and the cardholder can repeatedly recharge financial cards and other services in the card. The in-card balance of the prepaid card in the present disclosure may initially be 0 or a fixed amount. In an embodiment, the security Module may be a hardware entity implemented by the mobile device to load the application service, for example, a (Subscriber Identity Module, abbreviated as SIM), a TF Card (also referred to as T-Flash or TransFLash), a Secure Digital Card (Secure Digital Memory Card, abbreviated as SD), an eSE security Module (Embedded Secure Element), and the like, where the security Module may sufficiently protect security of a user in a payment process.
In step S102, when the user needs to pay the transaction part with the funds of the first set amount, the funds of the first set amount in the prepaid card are transferred to the account of the transaction part.
In one embodiment, the user may pay the set amount of funds to the transaction party by means of NFC, and in another embodiment, the set amount of funds may also be paid to the payment party by means of online transaction. In one embodiment, the account of the transaction party may be an account of the transaction party on the card issuing platform or an account of the transaction party on a bank.
In the embodiment, the fund of the first set amount in the prepaid card is transferred to the account of the transaction party on the card issuing platform or the bank, so that the transaction can be realized by the prepaid card downloaded by the user and the transaction party through the card issuing platform, the separation of the electronic cash from the electronic bank card service in the related technology is realized, and the initiative of the card issuing party in the transaction payment process is improved.
In one embodiment, transferring funds in the prepaid card for a first set amount to an account of the transaction party may include:
determining an account type of an account of a transaction party;
transferring funds of a first set amount in the prepaid card to an account corresponding to the account type in an NFC mode; or,
and transferring the funds of the first set amount in the prepaid card to an account corresponding to the account type in an online payment mode.
In an embodiment, the method may further comprise:
binding the prepaid card with the bank card of the user;
and transferring the fund with the second set amount into the prepaid card through the bank card.
In an embodiment, the method may further comprise:
when a user needs to log off a prepaid card, sending a log-off request message to a card issuing platform through mobile equipment, wherein the log-off request message carries an identity of the user and card number information of the prepaid card;
and receiving a cancellation feedback message from the card issuing platform for determining to cancel the prepaid card, wherein the cancellation feedback message carries the identity of the user and the card number information.
Please refer to the following embodiments for details of how to implement mobile payment.
Therefore, the method provided by the embodiment of the disclosure can enable the user and the transaction party to realize the transaction through the prepaid card downloaded by the card issuing platform, realize the separation of the electronic cash from the electronic bank card service in the related technology, and improve the initiative of the card issuing party in the transaction payment process.
The technical solutions provided by the embodiments of the present disclosure are described below with specific embodiments.
FIG. 2A is a flow diagram illustrating a mobile payment method according to an exemplary embodiment, and FIG. 2B is a scene diagram illustrating a mobile payment method according to an exemplary embodiment; in this embodiment, by using the method provided by the embodiment of the present disclosure, an example is described in which a mobile payment is performed in an NFC manner, and how a transfer is performed through a bank card when the amount of money in a prepaid card is not enough for payment, as shown in fig. 2A, the method includes the following steps:
in step S201, after the user of the mobile device successfully registers on the card issuing platform, the prepaid card provided by the card issuing platform is downloaded to the security module of the mobile device in an over-the-air downloading manner.
The description of step S201 refers to the description of step S101, and is not detailed here. As shown in fig. 2B, the mobile device 21 may register with the card issuing platform 20, and after successful registration, the user may initiate an e-wallet service on the mobile device 21.
In step S202, when the user needs to pay the fund of the first set amount to the transaction party, it is determined whether the balance in the prepaid card is greater than the first set amount, if not, step S203 is executed, and if so, step S205 is executed.
As shown in fig. 2B, the user needs to perform a payment action to the POS machine 22 through the mobile device 21, and when performing the payment, it needs to determine whether the balance in the prepaid card is sufficient, and if not, the user may be prompted to transfer the fund with the first set amount to the prepaid card through the bank card bound to the prepaid card.
In step S203, the prepaid card is bound to the bank card of the user.
As shown in fig. 2B, the prepaid card may be bound with the bank card of the user by installing an application on the mobile device 21, in an embodiment, the user may temporarily bind the existing bank card of the user with the prepaid card, that is, bind the prepaid card with the bank card only when the balance of the prepaid card is not enough for payment, in another embodiment, the user may bind the existing bank card of the user with the prepaid card for a long time, and the present disclosure does not limit the specific binding condition; the consumption behavior of the illegal user can be limited through temporary binding, for example, the illegal user consumes through the mobile device 21 after stealing the mobile device 21, and under the condition that the balance of the prepaid card is insufficient, because the prepaid card is not bound with the bank card, the illegal user cannot perform illegal consumption after transferring the account to the bank card bound with the prepaid card, so that the economic benefit of the legal user can be protected from being lost.
In step S204, funds of a first set amount are transferred to the prepaid card through the bank card.
In step S205, the first set amount of money in the prepaid card is transferred to the account of the transaction party on the card issuing platform in the NFC manner.
In one embodiment, NFC is a short-range high-frequency radio technology, which operates within a 20 cm distance at a frequency of 13.56MHz, and operates in a Card simulation mode (Card simulation), in the present disclosure, a security module (for example, a SIM Card, a TF/SD Card, or a built-in eSE format) in the mobile device 21 is equivalent to an IC Card supporting a non-contact technology, so that the mobile device 21 can perform a short-distance payment instead of the IC Card, for example, a shop Card swipe, a bus Card, a gate control, a ticket, an entrance ticket, and the like. Alternatively, the set amount may be transferred to an account corresponding to the transaction party by means of online payment, for example, an account of the transaction party on the card issuing platform, an account of the transaction party on a bank, and the like.
The embodiment has the advantages that the prepaid card in the related technology exists as a card, the card cannot be reused under the condition that the balance in the card is zero, and therefore the user can usually discard the card.
FIG. 3 is a flow diagram illustrating a mobile payment method in accordance with an exemplary embodiment two; in this embodiment, by using the above method provided by the embodiment of the present disclosure, an example of how a user logs out a prepaid card without the prepaid card is described, as shown in fig. 3, including the following steps:
in step S301, after the user of the mobile device successfully registers on the card issuing platform, the prepaid card provided by the card issuing platform is downloaded to the security module of the mobile device in an over-the-air downloading manner.
The description of step S301 refers to the description of step S101, and is not detailed here.
In step S302, when the user needs to log off the prepaid card, a log-off request message is sent to the card issuing platform through the mobile device, where the log-off request message carries the identity of the user and the card number information of the prepaid card.
In an embodiment, the Identity of the user may include an identification number of the user, a Mobile phone number of the user, a device identification number of the Mobile device bound to the prepaid card (for example, an International Mobile Equipment Identity (IMEI)) or a SIM card number provided by an operator, or a security module device unique number (SEID), and so on.
In step S303, a cancellation feedback message for determining to cancel the prepaid card from the card issuing platform is received, where the cancellation feedback message carries the identity of the user and the card number information.
In the embodiment, when the user needs to log out the prepaid card, the card issuing platform can log out the prepaid card only by sending the log-out request message to the card issuing platform, so that the user is prevented from going to a counter to handle log-out, the user can set the prepaid card at any time and log out the prepaid card at any time, and the user can conveniently handle the prepaid card.
Fig. 4 is a block diagram illustrating a mobile payment device according to an exemplary embodiment, applied to a mobile device, as shown in fig. 4, the mobile payment device including:
the downloading module 41 is configured to download the prepaid card provided by the card issuing platform to the security module of the mobile device in an over-the-air downloading manner after the user of the mobile device successfully registers on the card issuing platform;
and a payment module 42 configured to transfer the funds of the first set amount in the prepaid card downloaded by the download module 41 to an account of the transaction party when the user needs to pay the funds of the first set amount to the transaction party.
Fig. 5 is a block diagram of another mobile payment device according to an exemplary embodiment, and based on the embodiment shown in fig. 5, the payment module 42 may include:
a determination submodule 421 configured to determine an account number type of an account of the transaction party;
a first payment sub-module 422 configured to transfer the set amount of money in the prepaid card downloaded by the downloading module 41 to an account corresponding to the account type determined by the determining sub-module 421 in an NFC manner; or,
the second payment sub-module 423 is configured to transfer the set amount of money in the prepaid card downloaded by the downloading module 41 to the account corresponding to the account type determined by the determining sub-module 421 in an online payment manner.
In one embodiment, the apparatus may further comprise:
an account binding module 43 configured to bind the prepaid card downloaded by the downloading module 41 with the bank card of the user;
and a fund transfer module 44 configured to transfer funds of a second set amount to the prepaid card through the bank card bound by the account binding module 43.
In one embodiment, the apparatus may further comprise:
a sending module 45, configured to send a logout request message to the card issuing platform when the user needs to logout the prepaid card downloaded by the downloading module 41, where the logout request message carries the identity of the user and the card number information of the prepaid card;
and the receiving module 46 is configured to receive a cancellation feedback message from the card issuing platform to determine to cancel the prepaid card, where the cancellation feedback message carries the identity and the card number information of the user sent by the sending module 45.
With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.
Fig. 6 is a block diagram illustrating a suitable mobile payment device according to an exemplary embodiment. For example, the apparatus 600 may be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, an exercise device, a personal digital assistant, and the like.
Referring to fig. 6, apparatus 600 may include one or more of the following components: processing component 602, memory 604, power component 606, multimedia component 608, audio component 610, input/output (I/O) interface 612, sensor component 614, and communication component 616.
The processing component 602 generally controls overall operation of the device 600, such as operations associated with display, telephone calls, data communications, camera operations, and recording operations. The processing elements 602 may include one or more processors 620 to execute instructions to perform all or a portion of the steps of the methods described above. Further, the processing component 602 can include one or more modules that facilitate interaction between the processing component 602 and other components. For example, the processing component 602 can include a multimedia module to facilitate interaction between the multimedia component 608 and the processing component 602.
The memory 604 is configured to store various types of data to support operation at the device 600. Examples of such data include instructions for any application or method operating on device 600, contact data, phonebook data, messages, pictures, videos, and so forth. The memory 604 may be implemented by any type or combination of volatile or non-volatile memory devices such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks.
Power component 606 provides power to the various components of device 600. Power components 606 may include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for device 600.
The multimedia component 608 includes a screen that provides an output interface between the device 600 and a user. In some embodiments, the screen may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive an input signal from a user. The touch panel includes one or more touch sensors to sense touch, slide, and gestures on the touch panel. The touch sensor may not only sense the boundary of a touch or slide action, but also detect the duration and pressure associated with the touch or slide operation. In some embodiments, the multimedia component 608 includes a front facing camera and/or a rear facing camera. The front camera and/or the rear camera may receive external multimedia data when the device 600 is in an operating mode, such as a shooting mode or a video mode. Each front camera and rear camera may be a fixed optical lens system or have a focal length and optical zoom capability.
The audio component 610 is configured to output and/or input audio signals. For example, audio component 610 includes a Microphone (MIC) configured to receive external audio signals when apparatus 600 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode. The received audio signal may further be stored in the memory 604 or transmitted via the communication component 616. In some embodiments, audio component 610 further includes a speaker for outputting audio signals.
The I/O interface 612 provides an interface between the processing component 602 and peripheral interface modules, which may be keyboards, click wheels, buttons, etc. These buttons may include, but are not limited to: a home button, a volume button, a start button, and a lock button.
The sensor component 614 includes one or more sensors for providing status assessment of various aspects of the apparatus 600. For example, the sensor component 614 may detect an open/closed state of the device 600, the relative positioning of components, such as a display and keypad of the apparatus 600, the sensor component 614 may also detect a change in position of the apparatus 600 or a component of the apparatus 600, the presence or absence of user contact with the apparatus 600, orientation or acceleration/deceleration of the apparatus 600, and a change in temperature of the apparatus 600. The sensor assembly 614 may include a proximity sensor configured to detect the presence of a nearby object without any physical contact. The sensor assembly 614 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, the sensor assembly 614 may also include an acceleration sensor, a gyroscope sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.
The communication component 616 is configured to facilitate communications between the apparatus 600 and other devices in a wired or wireless manner. The apparatus 600 may access a wireless network based on a communication standard, such as WiFi, 2G or 3G, or a combination thereof. In an exemplary embodiment, the communication component 616 receives broadcast signals or broadcast related information from an external broadcast management system via a broadcast channel. In an exemplary embodiment, the communication component 616 further includes a Near Field Communication (NFC) module to facilitate short-range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, Ultra Wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.
In an exemplary embodiment, the apparatus 600 may be implemented by one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), Programmable Logic Devices (PLDs), Field Programmable Gate Arrays (FPGAs), controllers, micro-controllers, microprocessors or other electronic components for performing the above-described methods.
In an exemplary embodiment, a non-transitory computer readable storage medium comprising instructions, such as the memory 604 comprising instructions, executable by the processor 620 of the apparatus 600 to perform the above-described method is also provided. For example, the non-transitory computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.
Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.
It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.
Claims (9)
1. A mobile payment method applied to a mobile device, the method comprising:
after a user of the mobile equipment successfully registers on a card issuing platform, downloading a prepaid card provided by the card issuing platform to a security module of the mobile equipment in an over-the-air downloading mode;
transferring funds in the prepaid card to an account of a transaction party for a first set amount when the user needs to pay the funds to the transaction party for the first set amount.
2. The method of claim 1, wherein transferring funds in the prepaid card for the first set amount to an account of the transaction party comprises:
determining an account type of an account of the transaction party;
transferring funds of the first set amount in the prepaid card to an account corresponding to the account type in an NFC mode; or,
and transferring the funds of the first set amount in the prepaid card to an account corresponding to the account type in an online payment mode.
3. The method of claim 1, further comprising:
binding the prepaid card with the bank card of the user;
and transferring funds with a second set amount into the prepaid card through the bank card.
4. The method of claim 1, further comprising:
when the user needs to log off the prepaid card, sending a log-off request message to the card issuing platform through the mobile equipment, wherein the log-off request message carries the identity of the user and the card number information of the prepaid card;
and receiving a logout feedback message from the card issuing platform to determine to logout the prepaid card, wherein the logout feedback message carries the identity of the user and the card number information.
5. A mobile payment apparatus for use on a mobile device, the apparatus comprising:
the mobile device comprises a downloading module, a security module and a control module, wherein the downloading module is configured to download a prepaid card provided by a card issuing platform to the security module of the mobile device in an over-the-air downloading mode after a user of the mobile device successfully registers on the card issuing platform;
a payment module configured to transfer the funds of the first set amount in the prepaid card downloaded by the download module to an account of a transaction party when the user needs to pay the funds of the first set amount to the transaction party.
6. The apparatus of claim 5, wherein the payment module comprises:
a determination submodule configured to determine an account number type of an account of the transaction party;
a first payment sub-module configured to transfer funds of the first set amount in the prepaid card downloaded by the downloading module to an account corresponding to the account type determined by the determining sub-module in an NFC manner; or,
and the second payment sub-module is configured to transfer funds of the first set amount in the prepaid card downloaded by the downloading module to an account corresponding to the account type determined by the determining sub-module in an online payment manner.
7. The apparatus of claim 5, further comprising:
the account number binding module is configured to bind the prepaid card downloaded by the downloading module with the bank card of the user;
and the fund transfer module is configured to transfer funds of a second set amount into the prepaid card through the bank card bound by the account number binding module.
8. The apparatus of claim 5, further comprising:
a sending module, configured to send a logout request message to the card issuing platform when the user needs to logout the prepaid card downloaded by the downloading module, where the logout request message carries an identity of the user and card number information of the prepaid card;
the receiving module is configured to receive a logout feedback message from the card issuing platform for determining to logout the prepaid card downloaded by the downloading module, wherein the logout feedback message carries the identity of the user and the card number information sent by the sending module.
9. A mobile payment device, the device comprising:
a processor;
a memory for storing processor-executable instructions;
wherein the processor is configured to:
after a user of the mobile equipment successfully registers on a card issuing platform, downloading a prepaid card provided by the card issuing platform to a security module of the mobile equipment in an over-the-air downloading mode;
transferring funds in the prepaid card to an account of a transaction party for a first set amount when the user needs to pay the funds to the transaction party for the first set amount.
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| CN107230052A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of digital cash payment is carried out using digital cash chip card |
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