Over-the-air electronic cash loading method, system and device for NFC (near field communication) mobile phone

Abstract

The invention discloses an over-the-air electronic cash loading method, an over-the-air electronic cash loading system and an over-the-air electronic cash loading device for an NFC (near field communication) mobile phone. An unconfirmed over-the-air recharging transaction record is set, and is stored in a card, transaction logic is controlled through the card, interaction between a mobile phone client and the card is added in an over-the-air loading reversing flow, and over-the-air loading reversing logic is controlled mainly through the card. According to the technical scheme, the problems of over-the-air electronic cash loading on the NFC mobile phone and the problem of high tampering rate of over-the-air loading reversing transactions can be solved; and moreover, after an over-the-air loading reversing failure, the unconfirmed over-the-air recharging transaction record can also be read through the mobile phone client or a POS (point-of-sale) terminal, and the loading reversing transactions can be initiated to an account platform, so that the capital loss of a user is avoided.

Description

technical field [0001] The invention relates to the technical field of mobile terminals, in particular to a method, system and device for air loading of electronic cash in an NFC mobile phone. Background technique [0002] Over-the-air loading refers to the process of transferring the amount of the bank card account to the mobile phone card wallet by making a phone call, text message, or OTA menu. The current air transfer program includes the normal process of air transfer and the correction process of air transfer. figure 1 It is the normal flow chart of air loading in the prior art, such as figure 1 As shown, the process includes the following steps: [0003] 1. The user chooses to recharge on the mobile client; [0004] 2. The user enters the recharge amount and account payment password on the mobile client; [0005] 3. The mobile client sends a recharge initialization command to the electronic cash application module (SE); [0006] 4. The electronic cash application...

AI Technical Summary

Problems solved by technology

[0026] The purpose of the present invention is to propose a method, system and device for electronic cash transfer in the air of an NFC mobile phone, aiming at the problem of unsafe funds existing when the mobile phone client initiates an air transfer correction process in the prior art. Solve the problem of tampering of air transfer and air transfer reversal transactions of electronic cash applications on NFC mobile phones, and ensure that users' funds are not lost

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