Withdrawing method, equipment and system for e-wallet

An e-wallet and e-money technology, applied in the field of e-wallet refund, can solve problems such as failure to succeed, poor security considerations, balance overflow, etc., to achieve the effect of ensuring successful refund and safeguarding the interests of users

Inactive Publication Date: 2009-07-22
CHINA MOBILE COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In other words, the user may request a refund a few days after the purchase, and before that, the user may have fully filled or nearly filled the electronic wallet, so that if the refund is directly returned to the user's electronic wallet, it may be due to the balance overflow without success
[0008] 2. Generally, returns occur in public places such as shopping malls. If all POS terminals in public places such as shopping malls are used as recharge terminals for refund processing, the security considerations are not good.

Method used

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  • Withdrawing method, equipment and system for e-wallet
  • Withdrawing method, equipment and system for e-wallet
  • Withdrawing method, equipment and system for e-wallet

Examples

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Embodiment Construction

[0030] In the embodiment of the present invention, for the sake of security, POS terminals in public places such as shopping malls only receive refund requests, and there is no need to return the electronic money to the client's electronic wallet immediately.

[0031] When the user requests a refund, the operator of the consumer terminal (POS terminal) will be prompted with his or her electronic wallet card and the receipt obtained during the transaction. To perform the transaction data recording of the refund, press the "Transaction Cancellation" key provided on the POS terminal. The POS terminal transmits the specified transaction data record and transaction cancellation request to the server. The server finds the previous transaction data and verifies whether the uploaded transaction data is consistent with the stored transaction data. If they are consistent, the server will process the e-wallet refund.

[0032] like figure 1 As shown, in the embodiment of the present inve...

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PUM

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Abstract

The invention discloses a refunding method for an E-wallet which comprises steps of: temporarily storing electronic cash to be refunded to the E-wallet at a client terminal into a server; judging whether refunding all electronic cash leads the balance of the E-wallet to exceed a threshold; if yes, then continuously and temporarily storing all the electronic cash into the server, or refunding partial electronic cash which leads the balance of the E-wallet not to exceed the threshold after being refunded to the E-wallet, and continuously and temporarily storing the rest electronic cash into the server; and if not, refunding all the electronic cash to the E-wallet. The invention also discloses a server, a client terminal device, and a processing system of the E-wallet. The invention can be employed to ensure successful refunding, maintain the benefits of the client and improve the refunding safety.

Description

technical field [0001] The invention relates to the technical fields of communication and computer, in particular to a refund method, device and system for an electronic wallet. Background technique [0002] E-wallet is a financial IC card application designed to facilitate cardholders' small consumption. It supports transactions such as deposit and consumption. Except for loading transactions, other transactions using electronic wallets are not recorded in detail, and no personal password (PIN) is required to be submitted. The user's consumption quota is stored in the electronic wallet, which can be fees, points, etc. [0003] After using the electronic wallet to conduct a transaction, the user may request to cancel the previous transaction. The reason may be that the previous transaction amount is wrong, or the user is not satisfied with the goods and requests to return them. At this time, if the merchant agrees to cancel the user's previous transaction, it needs to ret...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F7/08G07F19/00
Inventor 李征张雨廷黄更生郭漫雪朱本浩
Owner CHINA MOBILE COMM GRP CO LTD
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