CN101599191A - A method for displaying transaction information and mobile terminal equipment - Google Patents
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Abstract
Description
Translated fromChinese技术领域technical field
本发明涉及移动电子商务领域，尤其涉及一种在移动终端设备上显示交易信息的技术。The invention relates to the field of mobile e-commerce, in particular to a technology for displaying transaction information on mobile terminal equipment.
背景技术Background technique
移动电子商务是指通过手机、PDA(Personal Digital Assistant，个人数字助理)、掌上电脑、商务通等移动终端设备进行的商务活动，用户可以随时随地获取所需的服务、应用、信息和娱乐等。移动电子钱包业务是移动电子商务的一种，通过NFC(Near Field Communication，近距离无线通信)技术，移动终端设备SIM(Subscriber Identity Module，用户识别模块)卡中的本地账户(也称电子钱包)可以与POS(Point of sales，交易点)终端设备进行信令交互，完成扣款、充值、余额查询等交易。Mobile e-commerce refers to business activities carried out through mobile terminal devices such as mobile phones, PDAs (Personal Digital Assistants), handheld computers, and business communication. Users can obtain required services, applications, information, and entertainment anytime, anywhere. The mobile electronic wallet service is a kind of mobile e-commerce. Through NFC (Near Field Communication, short-distance wireless communication) technology, the local account (also called electronic wallet) in the SIM (Subscriber Identity Module, Subscriber Identity Module) card of the mobile terminal device It can perform signaling interaction with POS (Point of sales, transaction point) terminal equipment to complete transactions such as deduction, recharge, and balance inquiry.
用户只需携带具备电子钱包功能的移动终端设备，就可方便、快捷地进行公交刷卡、加油站加油、商场超市或便利店购物等。以用户在超市购物为例进行说明，用户在超市选购商品后，到付款台前付款，营业员向POS终端设备输入该用户选购的商品种类、数量、单价等信息，POS终端设备根据这些信息计算出用户的扣款金额。用户将移动终端设备靠近POS终端设备，POS终端设备通过NFC模块与移动终端设备中的NFC模块进行近距离无线通信，再通过NFC模块与SIM卡之间的通信接口实现POS终端设备与电子钱包之间的信令交互，完成扣款。扣款完成之后，POS终端设备上将显示扣款金额、扣款时间、扣款明细、电子钱包余额等交易信息。此外，用户还可以通过POS终端设备向电子钱包充值，查询电子钱包中的余额等，实现流程与上述在超市购物的扣款流程类似，不再赘述。Users only need to carry mobile terminal devices with electronic wallet functions, and can conveniently and quickly swipe bus cards, refuel at gas stations, and shop in shopping malls, supermarkets or convenience stores. Take the user shopping in a supermarket as an example. After the user purchases goods in the supermarket, he pays at the checkout counter. Calculate the deduction amount of the user. The user puts the mobile terminal device close to the POS terminal device, and the POS terminal device performs short-distance wireless communication with the NFC module in the mobile terminal device through the NFC module, and then realizes the communication between the POS terminal device and the electronic wallet through the communication interface between the NFC module and the SIM card. The signaling interaction between them completes the deduction. After the deduction is completed, transaction information such as the deduction amount, deduction time, deduction details, and e-wallet balance will be displayed on the POS terminal device. In addition, the user can also recharge the electronic wallet through the POS terminal device, query the balance in the electronic wallet, etc. The implementation process is similar to the above-mentioned deduction process for shopping in a supermarket, and will not be described again.
虽然用户在使用电子钱包进行各种交易(如扣款、充值、余额查询)时非常方便、快捷，但是交易完成之后，交易信息只在POS终端设备上显示并且显示时间比较短，不利于用户的查看。很多情况下，由于POS终端设备设置在营业员一侧，用户也根本无法查看到交易信息，可能出现扣款出错或充值失败而用户却不知道的情况，给用户带来了很大不便，严重影响了用户感受。Although it is very convenient and fast for users to use electronic wallets for various transactions (such as deduction, recharge, and balance inquiry), after the transaction is completed, the transaction information is only displayed on the POS terminal device and the display time is relatively short, which is not conducive to the user's Check. In many cases, because the POS terminal equipment is installed on the side of the salesperson, the user cannot view the transaction information at all, and there may be a situation where the deduction error or the recharge fails but the user does not know, which brings great inconvenience to the user and seriously affects the user experience.
发明内容Contents of the invention
本发明提供一种显示交易信息的方法及移动终端设备，用以实现使用电子钱包进行交易时，在移动终端设备上显示交易信息。The invention provides a method for displaying transaction information and a mobile terminal device, which are used to display transaction information on the mobile terminal device when using an electronic wallet for transaction.
本发明提供一种显示交易信息的方法，包括：The present invention provides a method for displaying transaction information, including:
当移动终端设备使用存储于用户识别模块SIM卡的电子钱包与POS终端设备进行交易时，所述SIM卡记录交易信息；When the mobile terminal equipment uses the electronic wallet stored in the SIM card of the subscriber identification module to conduct transactions with the POS terminal equipment, the SIM card records transaction information;
所述移动终端设备的应用控制操作模块确认交易完成时，从SIM卡中获取记录的交易信息并在所述移动终端设备上显示。When the application control operation module of the mobile terminal device confirms that the transaction is completed, it acquires the recorded transaction information from the SIM card and displays it on the mobile terminal device.
本发明提供一种移动终端设备，包括存储了电子钱包的用户识别模块SIM卡和应用控制操作模块，其中：The present invention provides a mobile terminal device, including a SIM card storing an electronic wallet and an application control operation module, wherein:
所述SIM卡用于当移动终端设备使用所述电子钱包与交易点POS终端设备进行交易时，记录交易信息；The SIM card is used for recording transaction information when the mobile terminal equipment uses the electronic wallet to conduct transactions with the transaction point POS terminal equipment;
所述应用控制操作模块用于当确认交易完成时，从SIM卡中获取记录的交易信息并在所述移动终端设备上显示。The application control operation module is used for obtaining the recorded transaction information from the SIM card and displaying it on the mobile terminal device when the transaction is confirmed to be completed.
本发明提供的显示交易信息的方法及移动终端设备，SIM卡记录电子钱包与POS终端设备进行交易过程中的交易信息，应用控制操作模块得知交易完成则从SIM卡中获取记录的交易信息并在所述移动终端设备上显示，实现了使用电子钱包进行交易时，在移动终端设备上显示交易信息的目的，方便了用户查看交易信息，提升了用户感受。In the method for displaying transaction information and the mobile terminal device provided by the present invention, the SIM card records the transaction information in the transaction process between the electronic wallet and the POS terminal device, and the application control operation module obtains the recorded transaction information from the SIM card when it knows that the transaction is completed and The display on the mobile terminal device realizes the purpose of displaying the transaction information on the mobile terminal device when the electronic wallet is used for transaction, which facilitates the user to check the transaction information and improves the user experience.
附图说明Description of drawings
图1为本发明实施例中显示交易信息的系统框图；Fig. 1 is a system block diagram showing transaction information in an embodiment of the present invention;
图2为本发明实施例中移动终端设备与POS终端设备的信令交互流程流程图；Fig. 2 is the flowchart of the signaling interaction process between the mobile terminal device and the POS terminal device in the embodiment of the present invention;
图3为本发明实施例中显示交易信息的方法流程图；FIG. 3 is a flowchart of a method for displaying transaction information in an embodiment of the present invention;
图4为实施例一中扣款成功场景的信令交互流程图；FIG. 4 is a flow chart of signaling interaction in the successful deduction scenario in Embodiment 1;
图5为实施例一中扣款成功提示框示意图；Fig. 5 is a schematic diagram of a prompt box for successful deduction in Embodiment 1;
图6为实施例二中扣款失败场景的信令交互流程图；FIG. 6 is a flowchart of signaling interaction in the deduction failure scenario in Embodiment 2;
图7为实施例二中扣款失败提示框示意图；FIG. 7 is a schematic diagram of a prompt box for deduction failure in Embodiment 2;
图8为实施例三中充值成功场景的信令交互流程图；FIG. 8 is a flow chart of signaling interaction in the recharging success scenario in Embodiment 3;
图9为实施例三中充值成功提示框示意图；Fig. 9 is a schematic diagram of a prompt box for successful recharging in Embodiment 3;
图10为实施例四中充值失败场景的信令交互流程图；FIG. 10 is a flowchart of signaling interaction in the recharge failure scenario in Embodiment 4;
图11为实施例四中充值失败提示框示意图。Fig. 11 is a schematic diagram of a prompt box for recharge failure in Embodiment 4.
具体实施方式Detailed ways
针对现有技术中使用电子钱包进行各种交易(如扣款、充值、余额查询)时，交易信息只能在POS终端设备上显示，不利于用户查看的问题，本发明实施例提供了一种显示交易信息的方法，实现了使用电子钱包进行交易时，在移动终端设备上显示交易信息，方便了用户查看，提升了用户感受。Aiming at the problem in the prior art that when electronic wallets are used for various transactions (such as deduction, recharging, and balance inquiry), the transaction information can only be displayed on the POS terminal equipment, which is not conducive to users to view, the embodiment of the present invention provides a The method for displaying the transaction information realizes displaying the transaction information on the mobile terminal device when the electronic wallet is used for transaction, which is convenient for the user to view and improves the user experience.
本发明实施例首先介绍显示交易信息的系统，如图1所示，包括具备电子钱包功能的移动终端设备10和POS终端设备11。POS终端设备11包括NFC模块111，可以与其它NFC模块实现近距离无线通信，当然，为了和移动终端设备10之间开展与电子钱包相关的各种交易，POS终端设备11具备与电子钱包之间进行信令交互，完成各种交易的功能，与现有技术中基本一致。The embodiment of the present invention first introduces a system for displaying transaction information, as shown in FIG. 1 , which includes a mobile terminal device 10 and a POS terminal device 11 with electronic wallet functions. The POS terminal device 11 includes an NFC module 111, which can realize short-distance wireless communication with other NFC modules. Of course, in order to carry out various transactions related to the electronic wallet with the mobile terminal device 10, the POS terminal device 11 has a connection with the electronic wallet. The functions of performing signaling interaction and completing various transactions are basically the same as those in the prior art.
移动终端设备10包括SIM卡101、NFC模块102和应用控制操作模块103，对各模块进行详细介绍：The mobile terminal device 10 includes a
SIM卡101中存储了电子钱包，电子钱包可以与POS终端设备11之间进行信令交互，完成各种交易；SIM卡101还用于记录使用电子钱包进行交易时的交易信息。The electronic wallet is stored in the
在移动终端设备10靠近POS终端设备11时，NFC模块102与NFC模块111可以实现近距离无线通信，为电子钱包和POS终端设备11之间的信令交互提供无线通信链路。When the mobile terminal device 10 is close to the POS terminal device 11 , the NFC module 102 and the NFC module 111 can realize short-distance wireless communication, and provide a wireless communication link for signaling interaction between the electronic wallet and the POS terminal device 11 .
较优的，NFC模块102还用于在检测出移动终端设备10远离POS终端设备11时，生成交易完成消息并发送给应用控制操作模块103，以通知应用控制操作模块103交易完成。一般情况下，交易的进行以移动终端设备10靠近POS终端设备11实现近距离无线通信为前提，交易完成之后，移动终端设备10将远离POS终端设备11，NFC模块102通过检测无线信号的强度可以检测出移动终端设备10是否远离POS终端设备11。Preferably, the NFC module 102 is also used to generate a transaction completion message and send it to the application
当然，还可以通过其它方式通知应用控制操作模块103交易完成，例如在交易完成时，由POS终端设备11通知SIM卡101，再由SIM卡101通知应用控制操作模块103，等等。Of course, the application
应用控制操作模块103用于当确认交易完成时，从SIM卡中获取记录的交易信息并在移动终端设备上显示，应用控制操作模块103一般以软件形式存在，为移动终端设备10的操作系统和操作系统之上的客户端，通过移动终端设备的客户端，在移动终端设备上向用户显示交易信息。The application
移动终端设备10中各模块之间的通信接口基于不同的协议标准，例如，SIM卡101和NFC模块102之间基于HCI(Host Controller Interface，主机控制接口层)协议/SWP(Single Wire Protocol，单总线协议)进行通信，通信接口称为HCI/SWP接口；SIM卡101和应用控制操作模块103之间基于ISO7816(International Organization for Standardization，国际标准化组织)协议进行通信，通信接口称为ISO7816接口；应用控制操作模块103和NFC模块102之间基于JSR257(Java Specification Request，Java规范要求)协议进行通信，通信接口称为JSR257接口。The communication interface between each module in the mobile terminal device 10 is based on different protocol standards, for example, based on HCI (Host Controller Interface, host control interface layer) protocol/SWP (Single Wire Protocol, single wire protocol) between
在此基础上，本发明实施例提供一种移动终端设备与POS终端设备的信令交互流程，可以实现在移动终端设备上显示交易信息，如图2所示，包括如下步骤：On this basis, an embodiment of the present invention provides a signaling interaction process between a mobile terminal device and a POS terminal device, which can display transaction information on the mobile terminal device, as shown in FIG. 2 , including the following steps:
S201、移动终端设备靠近POS终端设备，POS终端设备通过NFC模块向移动终端设备的NFC模块发送交易请求，指示对电子钱包进行的操作；S201, the mobile terminal device is close to the POS terminal device, and the POS terminal device sends a transaction request to the NFC module of the mobile terminal device through the NFC module, indicating the operation of the electronic wallet;
S202、移动终端设备的NFC模块通过HCI/SWP接口向SIM卡转发该交易请求；S202. The NFC module of the mobile terminal device forwards the transaction request to the SIM card through the HCI/SWP interface;
S203、SIM卡根据接收到的交易请求对电子钱包进行相应操作，并记录交易信息，其中，交易信息是根据对电子钱包进行相应操作之后的交易状态以及交易请求记录的；S203, the SIM card performs corresponding operations on the electronic wallet according to the received transaction request, and records the transaction information, wherein the transaction information is recorded according to the transaction status and the transaction request after the corresponding operation on the electronic wallet;
S204、在操作完成之后，SIM卡通过HCI/SWP接口将交易请求响应发送给移动终端设备的NFC模块；S204. After the operation is completed, the SIM card sends the transaction request response to the NFC module of the mobile terminal device through the HCI/SWP interface;
S205、移动终端设备的NFC模块通过POS终端设备的NFC模块将该交易请求响应转发给POS终端设备；S205. The NFC module of the mobile terminal device forwards the transaction request response to the POS terminal device through the NFC module of the POS terminal device;
S206、交易完成，移动终端设备远离POS终端设备，移动终端设备的NFC模块通过检测无线信号的强度检测出移动终端设备远离POS终端设备，即交易完成；S206, the transaction is completed, the mobile terminal device is far away from the POS terminal device, and the NFC module of the mobile terminal device detects that the mobile terminal device is far away from the POS terminal device by detecting the strength of the wireless signal, that is, the transaction is completed;
预先设定一个强度阈值(该强度阈值接近于0)，移动终端设备的NFC模块通过检测无线信号的强度判断移动终端设备是否远离POS终端设备，当无线信号的强度小于或者小于等于该强度阈值时，即检测出移动终端设备远离POS终端设备，也就意味着交易完成；A strength threshold is preset (the strength threshold is close to 0), and the NFC module of the mobile terminal device judges whether the mobile terminal device is far away from the POS terminal device by detecting the strength of the wireless signal. When the strength of the wireless signal is less than or equal to the strength threshold , that is, it is detected that the mobile terminal device is far away from the POS terminal device, which means that the transaction is completed;
S207、移动终端设备的NFC模块通过JSR257接口向应用控制操作模块发送交易完成消息，通知操作系统/客户端交易已完成；S207. The NFC module of the mobile terminal device sends a transaction completion message to the application control operation module through the JSR257 interface, notifying the operating system/client that the transaction has been completed;
S208、应用控制操作模块根据接收到的交易完成消息确认交易完成，则通过ISO7816接口向SIM卡发送交易信息获取请求；S208. The application control operation module confirms that the transaction is completed according to the received transaction completion message, and then sends a transaction information acquisition request to the SIM card through the ISO7816 interface;
S209、SIM卡根据交易信息获取请求，通过ISO7816接口向应用控制操作模块返回S203中记录的交易信息；S209, the SIM card returns the transaction information recorded in S203 to the application control operation module through the ISO7816 interface according to the transaction information acquisition request;
S210、在移动终端设备上显示该交易信息。S210. Display the transaction information on the mobile terminal device.
本实施例中，还可以通过其它方式向应用控制操作模块发送交易完成消息，通知操作系统/客户端交易已完成，即S206和S207可以通过如下步骤替代，具体包括：In this embodiment, the transaction completion message can also be sent to the application control operation module in other ways to notify the operating system/client that the transaction has been completed, that is, S206 and S207 can be replaced by the following steps, specifically including:
S206’、POS终端设备根据接收到的交易请求响应生成交易完成消息，并通过NFC模块向移动终端设备的NFC模块发送交易完成消息，移动终端设备的NFC模块通过HCI/SWP接口向SIM卡转发该交易完成消息；S206', the POS terminal device generates a transaction completion message according to the received transaction request response, and sends a transaction completion message to the NFC module of the mobile terminal device through the NFC module, and the NFC module of the mobile terminal device forwards the transaction completion message to the SIM card through the HCI/SWP interface transaction completion message;
S207’、SIM卡将接收到的交易完成消息通过ISO7816接口发送给应用控制操作模块，通知操作系统/客户端交易已完成。S207', the SIM card sends the received transaction completion message to the application control operation module through the ISO7816 interface, and notifies the operating system/client that the transaction has been completed.
采用该替代步骤，移动终端设备的NFC模块与现有技术一致，仅起到与POS终端设备的NFC模块实现近距离无线通信，为交易提供无线通信链路的功能。With this replacement step, the NFC module of the mobile terminal device is consistent with the prior art, and only serves to realize short-distance wireless communication with the NFC module of the POS terminal device and provide a wireless communication link for transactions.
S207’中也可以由移动终端设备的NFC模块通过JSR257接口向应用控制操作模块发送该交易完成消息，通知操作系统/客户端交易已完成。In S207', the NFC module of the mobile terminal device may also send the transaction completion message to the application control operation module through the JSR257 interface to notify the operating system/client that the transaction has been completed.
综上，本发明实施例提供了一种显示交易信息的方法，如图3所示，包括：To sum up, the embodiment of the present invention provides a method for displaying transaction information, as shown in FIG. 3 , including:
S301、当移动终端设备使用存储于SIM卡的电子钱包与POS终端设备进行交易时，SIM卡记录交易信息；S301. When the mobile terminal device uses the electronic wallet stored in the SIM card to conduct transactions with the POS terminal device, the SIM card records the transaction information;
S302、移动终端设备的应用控制操作模块确认交易完成时，从SIM卡中获取记录的交易信息并在该移动终端设备上显示。S302. When the application control operation module of the mobile terminal device confirms that the transaction is completed, it acquires the recorded transaction information from the SIM card and displays it on the mobile terminal device.
本发明实施例提供的显示交易信息的方法，SIM卡记录电子钱包与POS终端设备进行交易过程中的交易信息，应用控制操作模块得知交易完成则从SIM卡中获取记录的交易信息并在移动终端设备上显示，实现了使用电子钱包进行交易时，在移动终端设备上显示交易信息，方便了用户查看交易信息，提升了用户感受。In the method for displaying transaction information provided by the embodiments of the present invention, the SIM card records the transaction information in the transaction process between the electronic wallet and the POS terminal device, and the application control operation module obtains the recorded transaction information from the SIM card when it knows that the transaction is completed and moves The display on the terminal device realizes the display of transaction information on the mobile terminal device when the electronic wallet is used for transaction, which is convenient for the user to view the transaction information and improves the user experience.
下面以各种实际应用场景为例详细介绍本发明实施例中的交易信息显示方法，通知应用控制操作模块交易完成的方式均以移动终端设备的NFC模块通过检测无线信号的强度检测移动终端设备是否远离POS终端设备为例进行说明，当然也可以采用其它方式通知应用控制操作模块交易完成，例如通过POS终端设备在交易完成时，向SIM卡发送交易完成消息，再由SIM卡将交易完成消息发送给应用控制操作模块的方式，不再赘述。The following uses various practical application scenarios as examples to introduce the transaction information display method in the embodiment of the present invention in detail. The way of notifying the application control operation module of the transaction completion is to use the NFC module of the mobile terminal device to detect whether the mobile terminal device detects the strength of the wireless signal. Take away from the POS terminal device as an example. Of course, other methods can also be used to notify the application control operation module that the transaction is completed. For example, when the transaction is completed, the POS terminal device sends a transaction completion message to the SIM card, and then the SIM card sends the transaction completion message. The way to control the operation module for the application will not be repeated here.
实施例一Embodiment one
实施例一以用户使用电子钱包进行扣款交易为例进行说明，用户在公交刷卡、加油站加油、商场超市或便利店购物具等一般都是进行该扣款交易。具体应用场景为扣款成功场景，本实施例中交易请求具体为扣款请求，如图4所示，包括：Embodiment 1 The user uses an electronic wallet to perform a deduction transaction as an example for illustration. The user generally performs the deduction transaction when swiping a bus card, refueling at a gas station, shopping malls, supermarkets, or convenience stores. The specific application scenario is a successful deduction scenario. In this embodiment, the transaction request is specifically a deduction request, as shown in Figure 4, including:
S401、移动终端设备靠近POS终端设备，POS终端设备通过NFC模块向移动终端设备的NFC模块发送扣款请求(Initialize for Purchase)，该扣款请求至少包括扣款金额，一般还会包括扣款时间、扣款明细等，Initialize for Purchase指示根据扣款金额对电子钱包进行扣款操作；S401. The mobile terminal device is close to the POS terminal device. The POS terminal device sends a deduction request (Initialize for Purchase) to the NFC module of the mobile terminal device through the NFC module. The deduction request includes at least the deduction amount, and generally also includes the deduction time. , deduction details, etc., Initialize for Purchase instructs to debit the e-wallet according to the deduction amount;
S402、移动终端设备的NFC模块通过HCI/SWP接口向SIM卡转发Initializefor Purchase；S402, the NFC module of the mobile terminal device forwards InitializeforPurchase to the SIM card through the HCI/SWP interface;
S403、SIM卡根据接收到的Initialize for Purchase对电子钱包执行扣款操作，从电子钱包中扣除相应的扣款金额，如果扣款金额小于等于电子钱包当前金额，则扣款成功(Transaction Success)，SIM卡根据Transaction Success状态和Initialize for Purchase记录扣款成功信息、扣款金额、电子钱包余额等交易信息，如果Initialize for Purchase中包括扣款时间、扣款明细，则记录的交易信息中也包括扣款时间、扣款明细；S403. The SIM card performs a deduction operation on the electronic wallet according to the received Initialize for Purchase, and deducts the corresponding deduction amount from the electronic wallet. If the deduction amount is less than or equal to the current amount of the electronic wallet, the deduction is successful (Transaction Success), According to the Transaction Success status and Initialize for Purchase, the SIM card records transaction information such as deduction success information, deduction amount, e-wallet balance, etc. If the deduction time and deduction details are included in Initialize for Purchase, the recorded transaction information also includes deduction Payment time, deduction details;
S404、在扣款成功之后，SIM卡通过HCI/SWP接口将扣款请求响应发送给移动终端设备的NFC模块，携带Transaction Success状态；S404. After the deduction is successful, the SIM card sends a deduction request response to the NFC module of the mobile terminal device through the HCI/SWP interface, carrying the Transaction Success status;
S405、移动终端设备的NFC模块通过POS终端设备的NFC模块将该扣款请求响应转发给POS终端设备；S405. The NFC module of the mobile terminal device forwards the deduction request response to the POS terminal device through the NFC module of the POS terminal device;
S406、扣款交易完成，移动终端设备远离POS终端设备，移动终端设备的NFC模块通过检测无线信号的强度检测出移动终端设备远离POS终端设备，即扣款交易完成；S406, the deduction transaction is completed, the mobile terminal device is far away from the POS terminal device, and the NFC module of the mobile terminal device detects that the mobile terminal device is far away from the POS terminal device by detecting the strength of the wireless signal, that is, the deduction transaction is completed;
S407、移动终端设备的NFC模块通过JSR257接口向应用控制操作模块发送交易完成消息，通知操作系统/客户端扣款交易已完成；S407. The NFC module of the mobile terminal device sends a transaction completion message to the application control operation module through the JSR257 interface, notifying the operating system/client that the deduction transaction has been completed;
S408、应用控制操作模块根据接收到的交易完成消息，通过ISO7816接口向SIM卡发送交易信息获取请求(Read Status)；S408, the application control operation module sends a transaction information acquisition request (Read Status) to the SIM card through the ISO7816 interface according to the received transaction completion message;
S409、SIM卡根据Read Status，通过ISO7816接口向应用控制操作模块返回S403中记录的交易信息；S409, the SIM card returns the transaction information recorded in S403 to the application control operation module through the ISO7816 interface according to the Read Status;
S410、在移动终端设备上以提示框的形式显示交易信息，交易信息具体包括扣款成功信息、扣款金额、电子钱包余额、扣款时间、扣款明细等，扣款成功提示框如图5所示。S410. Display transaction information in the form of a prompt box on the mobile terminal device. The transaction information specifically includes deduction success information, deduction amount, e-wallet balance, deduction time, deduction details, etc. The deduction success prompt box is shown in Figure 5 shown.
实施例二Embodiment two
实施例二以用户使用电子钱包进行扣款交易为例进行说明，具体应用场景为扣款失败场景，本实施例中交易请求与实施例一相同，具体为扣款请求，如图6所示，包括：Embodiment 2 uses an electronic wallet to conduct a deduction transaction as an example. The specific application scenario is a deduction failure scenario. The transaction request in this embodiment is the same as that in Embodiment 1, specifically a deduction request, as shown in Figure 6. include:
S601、移动终端设备靠近POS终端设备，POS终端设备通过NFC模块向移动终端设备的NFC模块发送扣款请求(Initialize for Purchase)；S601, the mobile terminal device is close to the POS terminal device, and the POS terminal device sends a deduction request (Initialize for Purchase) to the NFC module of the mobile terminal device through the NFC module;
S602、移动终端设备的NFC模块通过HCI/SWP接口向SIM卡转发Initializefor Purchase；S602, the NFC module of the mobile terminal device forwards InitializeforPurchase to the SIM card through the HCI/SWP interface;
S603、SIM卡根据接收到的Initialize for Purchase对电子钱包执行扣款操作，从电子钱包中扣除相应的扣款金额，如果扣款金额大于电子钱包当前金额，则扣款失败(Transaction Failure)，SIM卡根据Transaction Failure状态和Initialize for Purchase记录扣款失败信息和扣款失败原因(电子钱包余额不足)；S603. The SIM card performs a deduction operation on the electronic wallet according to the received Initialize for Purchase, and deducts the corresponding deduction amount from the electronic wallet. If the deduction amount is greater than the current amount of the electronic wallet, the deduction fails (Transaction Failure), and the SIM The card records the deduction failure information and the reason for the deduction failure (insufficient balance in the electronic wallet) according to the Transaction Failure status and Initialize for Purchase;
S604、在扣款失败之后，SIM卡通过HCI/SWP接口将扣款请求响应发送给移动终端设备的NFC模块，携带Transaction Failure状态；S604. After the deduction fails, the SIM card sends a deduction request response to the NFC module of the mobile terminal device through the HCI/SWP interface, carrying the Transaction Failure state;
S605、移动终端设备的NFC模块通过POS终端设备的NFC模块将该扣款请求响应转发给POS终端设备；S605. The NFC module of the mobile terminal device forwards the deduction request response to the POS terminal device through the NFC module of the POS terminal device;
S606、扣款交易完成，移动终端设备远离POS终端设备，移动终端设备的NFC模块通过检测无线信号的强度检测出移动终端设备远离POS终端设备，即扣款交易完成；S606, the deduction transaction is completed, the mobile terminal device is far away from the POS terminal device, and the NFC module of the mobile terminal device detects that the mobile terminal device is far away from the POS terminal device by detecting the strength of the wireless signal, that is, the deduction transaction is completed;
S607、移动终端设备的NFC模块通过JSR257接口向应用控制操作模块发送交易完成消息，通知操作系统/客户端扣款交易已完成；S607. The NFC module of the mobile terminal device sends a transaction completion message to the application control operation module through the JSR257 interface, notifying the operating system/client that the deduction transaction has been completed;
S608、应用控制操作模块根据接收到的交易完成消息，通过ISO7816接口向SIM卡发送交易信息获取请求(Read Status)；S608, the application control operation module sends a transaction information acquisition request (Read Status) to the SIM card through the ISO7816 interface according to the received transaction completion message;
S609、SIM卡根据Read Status，通过ISO7816接口向应用控制操作模块返回S603中记录的交易信息；S609, the SIM card returns the transaction information recorded in S603 to the application control operation module through the ISO7816 interface according to the Read Status;
S610、在移动终端设备上以提示框的形式显示交易信息，具体为扣款失败信息和扣款失败原因等，扣款失败提示框如图7所示。S610. Display transaction information in the form of a prompt box on the mobile terminal device, specifically deduction failure information and deduction failure reasons. The deduction failure prompt box is shown in FIG. 7 .
实施例一和实施例二提供的方法，可以在移动终端设备上以提示框的形式显示扣款交易过程中的交易信息，方便用户的查看，有效避免了扣款出错或扣款失败而用户却不知道的情况，保障了用户的利益，给用户带来了方便，从而有效提升了用户感受。The methods provided in Embodiment 1 and Embodiment 2 can display the transaction information in the deduction transaction process in the form of a prompt box on the mobile terminal device, which is convenient for users to view, and effectively avoids deduction errors or deduction failures. The unknown situation protects the interests of users, brings convenience to users, and effectively improves user experience.
实施例三Embodiment three
实施例三以用户使用电子钱包进行充值交易为例进行说明，具体应用场景为充值成功场景，本实施例中交易请求具体为充值请求，如图8所示，包括：The third embodiment takes the example of a user using an electronic wallet to perform a recharge transaction as an example. The specific application scenario is a successful recharge scenario. In this embodiment, the transaction request is specifically a recharge request, as shown in FIG. 8 , including:
S801、移动终端设备靠近POS终端设备，POS终端设备通过NFC模块向移动终端设备的NFC模块发送充值请求(Initialize for Charge)，该充值请求至少包括充值金额，一般还会包括充值时间等，Initialize for Charge指示根据充值金额对电子钱包进行充值操作；S801. The mobile terminal device is close to the POS terminal device. The POS terminal device sends a recharge request (Initialize for Charge) to the NFC module of the mobile terminal device through the NFC module. The recharge request includes at least the recharge amount, and generally also includes the recharge time. Initialize for Charge instructs to recharge the electronic wallet according to the recharge amount;
S802、移动终端设备的NFC模块通过HCI/SWP接口向SIM卡转发Initializefor Charge；S802, the NFC module of the mobile terminal device forwards Initializefor Charge to the SIM card through the HCI/SWP interface;
S803、SIM卡根据接收到的Initialize for Charge对电子钱包执行充值操作，在电子钱包中增加相应的充值金额，如果充值金额与电子钱包当前金额相加小于等于电子钱包金额上限，则充值成功(Charge Success)，SIM卡根据ChargeSuccess状态和Initialize for Charge记录充值成功信息、充值金额、电子钱包余额等交易信息，如果Initialize for Charge中包括充值时间，则记录的交易信息中也包括充值时间；S803. The SIM card performs a recharge operation on the electronic wallet according to the received Initialize for Charge, and increases the corresponding recharge amount in the electronic wallet. If the addition of the recharge amount and the current amount of the electronic wallet is less than or equal to the upper limit of the electronic wallet amount, the recharge is successful (Charge Success), the SIM card records the recharge success information, recharge amount, e-wallet balance and other transaction information according to the ChargeSuccess status and Initialize for Charge. If the recharge time is included in Initialize for Charge, the recorded transaction information also includes the recharge time;
S804、在充值成功之后，SIM卡通过HCI/SWP接口将充值请求响应发送给移动终端设备的NFC模块，携带Charge Success状态；S804. After the recharge is successful, the SIM card sends the recharge request response to the NFC module of the mobile terminal device through the HCI/SWP interface, carrying the Charge Success state;
S805、移动终端设备的NFC模块通过POS终端设备的NFC模块将该充值请求响应转发给POS终端设备；S805. The NFC module of the mobile terminal device forwards the recharge request response to the POS terminal device through the NFC module of the POS terminal device;
S806、充值交易完成，移动终端设备远离POS终端设备，移动终端设备的NFC模块通过检测无线信号的强度检测出移动终端设备远离POS终端设备，即充值交易完成；S806, the recharge transaction is completed, the mobile terminal device is far away from the POS terminal device, and the NFC module of the mobile terminal device detects that the mobile terminal device is far away from the POS terminal device by detecting the strength of the wireless signal, that is, the recharge transaction is completed;
S807、移动终端设备的NFC模块通过JSR257接口向应用控制操作模块发送交易完成消息，通知操作系统/客户端充值交易已完成；S807. The NFC module of the mobile terminal device sends a transaction completion message to the application control operation module through the JSR257 interface, notifying the operating system/client that the recharge transaction has been completed;
S808、应用控制操作模块根据接收到的交易完成消息，通过ISO7816接口向SIM卡发送交易信息获取请求(Read Status)；S808, the application control operation module sends a transaction information acquisition request (Read Status) to the SIM card through the ISO7816 interface according to the received transaction completion message;
S809、SIM卡根据Read Status，通过ISO7816接口向应用控制操作模块返回S803中记录的交易信息；S809, the SIM card returns the transaction information recorded in S803 to the application control operation module through the ISO7816 interface according to the Read Status;
S810、在移动终端设备上以提示框的形式显示交易信息，交易信息具体包括充值成功信息、充值金额、电子钱包余额、充值时间等，充值成功提示框如图9所示。S810. Display transaction information in the form of a prompt box on the mobile terminal device. The transaction information specifically includes recharge success information, recharge amount, e-wallet balance, recharge time, etc. The recharge success prompt box is shown in FIG. 9 .
实施例四Embodiment four
实施例四以用户使用电子钱包进行充值交易为例进行说明，具体应用场景为充值失败场景，本实施例中交易请求与实施例三相同，具体为充值请求，如图10所示，包括：Embodiment 4 uses an electronic wallet to perform a recharge transaction as an example. The specific application scenario is a recharge failure scenario. The transaction request in this embodiment is the same as that in Embodiment 3, specifically a recharge request, as shown in Figure 10, including:
S1001、移动终端设备靠近POS终端设备，POS终端设备通过NFC模块向移动终端设备的NFC模块发送充值请求(Initialize for Charge)；S1001, the mobile terminal device is close to the POS terminal device, and the POS terminal device sends a recharge request (Initialize for Charge) to the NFC module of the mobile terminal device through the NFC module;
S1002、移动终端设备的NFC模块通过HCI/SWP接口向SIM卡转发Initialize for Charge；S1002, the NFC module of the mobile terminal device forwards Initialize for Charge to the SIM card through the HCI/SWP interface;
S1003、SIM卡根据接收到的Initialize for Charge对电子钱包执行充值操作，在电子钱包中增加相应的充值金额，如果充值金额与电子钱包当前金额相加大于等于电子钱包金额上限，则充值失败(Charge Failure)，SIM卡根据ChargeFailure状态和Initialize for Charge记录充值失败信息和充值失败原因(充值金额超限)；S1003. The SIM card performs a recharge operation on the electronic wallet according to the received Initialize for Charge, and increases the corresponding recharge amount in the e-wallet. If the recharge amount and the current amount of the e-wallet are greater than or equal to the upper limit of the e-wallet amount, the recharge fails (Charge Failure), the SIM card records the recharge failure information and the reason for the recharge failure (the recharge amount exceeds the limit) according to the ChargeFailure status and Initialize for Charge;
S1004、在充值失败之后，SIM卡通过HCI/SWP接口将充值请求响应发送给移动终端设备的NFC模块，携带Charge Failure状态；S1004. After the recharge fails, the SIM card sends a recharge request response to the NFC module of the mobile terminal device through the HCI/SWP interface, carrying the Charge Failure state;
S1005、移动终端设备的NFC模块通过POS终端设备的NFC模块将该充值请求响应转发给POS终端设备；S1005. The NFC module of the mobile terminal device forwards the recharge request response to the POS terminal device through the NFC module of the POS terminal device;
S1006、充值交易完成，移动终端设备远离POS终端设备，移动终端设备的NFC模块通过检测无线信号的强度检测出移动终端设备远离POS终端设备，即充值交易完成；S1006, the recharge transaction is completed, the mobile terminal device is far away from the POS terminal device, and the NFC module of the mobile terminal device detects that the mobile terminal device is far away from the POS terminal device by detecting the strength of the wireless signal, that is, the recharge transaction is completed;
S1007、移动终端设备的NFC模块通过JSR257接口向应用控制操作模块发送交易完成消息，通知操作系统/客户端充值交易已完成；S1007. The NFC module of the mobile terminal device sends a transaction completion message to the application control operation module through the JSR257 interface, notifying the operating system/client that the recharge transaction has been completed;
S1008、应用控制操作模块根据接收到的交易完成消息，通过ISO7816接口向SIM卡发送交易信息获取请求(Read Status)；S1008, the application control operation module sends a transaction information acquisition request (Read Status) to the SIM card through the ISO7816 interface according to the received transaction completion message;
S1009、SIM卡根据Read Status，通过ISO7816接口向应用控制操作模块返回S1003中记录的交易信息；S1009, the SIM card returns the transaction information recorded in S1003 to the application control operation module through the ISO7816 interface according to the Read Status;
S1010、在移动终端设备上以提示框的形式显示交易信息，具体为充值失败信息和充值失败原因等，充值失败提示框如图11所示。S1010. Display transaction information in the form of a prompt box on the mobile terminal device, specifically recharge failure information and recharge failure reasons. The recharge failure prompt box is shown in FIG. 11 .
实施例三和实施例四提供的方法，可以在移动终端设备上以提示框的形式显示充值交易过程中的交易信息，方便用户的查看，有效避免了充值出错或充值失败而用户却不知道的情况，保障了用户的利益，给用户带来了方便，从而有效提升了用户感受。The methods provided in Embodiment 3 and Embodiment 4 can display the transaction information in the recharge transaction process in the form of a prompt box on the mobile terminal device, which is convenient for the user to view, and effectively avoids recharge errors or recharge failures that the user does not know. The situation protects the interests of users, brings convenience to users, and effectively improves user experience.
SIM卡中的交易信息可以有多种记录形式，一种可能形式是对现有SIM卡中存储的文件系统进行改造，增加一个ADF(Application Dedicated file，应用专用文件)，用来保存使用电子钱包进行交易时的交易信息。ADF之下又针对每种交易类型增加了一个子ADF。例如子ADF1用来保存充值交易对应的交易信息，子ADF1又包括两部分，其中EF(Elementary file，基本文件)用来存储根据充值状态记录的充值成功信息和充值失败信息；DF(Dedicated file，专用文件)用来保存根据充值请求记录的充值金额、充值时间等信息。又例如子ADF2用来保存扣款交易对应的交易信息，其中EF用来保存根据扣款状态记录的扣款成功信息和扣款失败信息；DF用来保存根据扣款请求记录的扣款金额、扣款明细等信息。可见，SIM卡中可以采用ADF形式存储交易信息。The transaction information in the SIM card can be recorded in various forms. One possible form is to modify the file system stored in the existing SIM card and add an ADF (Application Dedicated file, application-specific file) to save and use the electronic wallet. Transaction information when a transaction is made. Under the ADF, a sub-ADF is added for each transaction type. For example, the sub-ADF1 is used to save the transaction information corresponding to the recharge transaction, and the sub-ADF1 includes two parts, in which EF (Elementary file, basic file) is used to store the recharge success information and recharge failure information recorded according to the recharge status; DF (Dedicated file, Special file) is used to save the recharge amount, recharge time and other information recorded according to the recharge request. Another example is that sub-ADF2 is used to save the transaction information corresponding to the deduction transaction, in which EF is used to save the deduction success information and deduction failure information recorded according to the deduction status; DF is used to save the deduction amount recorded according to the deduction request, Debit details and other information. It can be seen that the transaction information can be stored in the form of ADF in the SIM card.
显然，本领域的技术人员可以对本发明进行各种改动和变型而不脱离本发明的精神和范围。这样，倘若本发明的这些修改和变型属于本发明权利要求及其等同技术的范围之内，则本发明也意图包含这些改动和变型在内。Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalent technologies, the present invention also intends to include these modifications and variations.
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