WO2015165299A1 - Method and terminal for using smart card service - Google Patents
Method and terminal for using smart card service Download PDFInfo
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- WO2015165299A1 WO2015165299A1 PCT/CN2015/072990 CN2015072990W WO2015165299A1 WO 2015165299 A1 WO2015165299 A1 WO 2015165299A1 CN 2015072990 W CN2015072990 W CN 2015072990W WO 2015165299 A1 WO2015165299 A1 WO 2015165299A1
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/40—Network security protocols
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W8/00—Network data management
- H04W8/18—Processing of user or subscriber data, e.g. subscribed services, user preferences or user profiles; Transfer of user or subscriber data
Definitions
- the present invention relates to the field of communications technologies, and in particular, to a method and a terminal for using a smart card service.
- STK SIM Tool Kit
- STK is developed by the operator of the smart card, the function is relatively monotonous, the interaction with the user is also very simple, the user experience is poor, and the functions covered by the STK are not fully utilized.
- an object of the present invention is to provide a smart card using method and a terminal, which use a client to implement a smart card service.
- the present invention has the following technical solutions:
- a method for using a smart card service comprising:
- the client presents the service interface to the user, and sends a service request to the service server according to the user instruction;
- the service server feeds back the execution result to the client according to the service request and/or feeds back the execution result to the smart card corresponding to the client.
- the method further includes:
- the client Before the service server feeds back the execution result, the client is authenticated.
- the service request is specifically:
- the service server When the service request is a query request, the service server returns the execution result according to the service request as follows:
- the service server executes the query according to the query request, and feeds the query result as an execution result to the client.
- the service server When the service request is a circle request or a payment request, the service server returns the execution result according to the service request as follows:
- the server performs the accounting processing operation according to the storage request or the payment request, and feeds back the operation result as an execution result to the smart card, and simultaneously sends a prompt message to the client.
- the smart card is specifically:
- SIM card UIM card or memory card.
- a terminal where the terminal specifically includes:
- a client configured to display a business interface to the user, and send a service request to the service server according to the user instruction; and receive an execution result fed back by the service server;
- a smart card is used to receive the execution result of the feedback from the service server.
- the service request is specifically:
- the smart card specifically includes:
- SIM card UIM card or memory card.
- the present invention has the beneficial effects that the smart card service is implemented by using the client software in the terminal, which provides a basic condition for the deeper mining of the smart card service and the improvement of the user experience.
- FIG. 2 is a schematic structural diagram of a terminal according to an embodiment of the present invention.
- the process of implementing the smart card service by using the STK does not involve the client software installed in the terminal (such as a mobile phone).
- the smart card communicates directly with the server, and the terminal acts as a carrier only in it, assisting the smart card to communicate and interact with the user. Therefore, the function and operation presentation form of STK are determined by the operator.
- the function is relatively monotonous, the interaction with the user is also very simple, the user experience is poor, and the third party cannot change according to the requirements.
- the application software developed by the terminal at this stage is highly mature and open, and its functions can be customized and changed according to requirements. Therefore, if the smart card service is combined with the client software, it can make up for some defects in the prior art.
- the technical solution of the present invention is formally established on this idea.
- the method in this embodiment includes the following steps:
- Step 101 The client displays the service interface to the user, and sends a service request to the service server according to the user instruction.
- a client is built in the terminal, and the client interacts with the user to receive user operations.
- the client is essentially the application software of the terminal, and connects and communicates with the service server through a data network such as 2G, 3G, 4G, wifi.
- Real The user's instructions in the instance will be sent to the service server through the client, and the smart card will no longer need to be sent.
- this step describes the process in which the user interacts with the client and directly instructs the client to send a service request to the service server.
- the STK menu defined by the business is used to limit the use of the STK service, and the advantage of the client itself can be utilized to present the smart card service to the user in the form of a client-made business interface, thereby implementing the smart card service and Human-computer interaction mode for further mining and optimization.
- the specific optimization method can be completed by the design of the client, and can be correspondingly limited according to the requirements of the user.
- Step 102 The service server authenticates the client.
- the smart card service is mainly for a financial account service.
- the smart card business mainly includes inventory, payment and inquiry.
- the user sends a service request through the client, which is often used to apply the above service content. Therefore, the service request may include: a queue request, a query request, or a payment request.
- the security requirements of the above services should be strict.
- the service server needs to authenticate the client before processing the related service according to the service request.
- the identity authentication technology is relatively mature, and the similar authentication methods can be combined with the overall technical solution of the embodiment, which is not specifically limited in this embodiment.
- Step 103 The service server feeds back the execution result to the client according to the service request and/or feeds back the execution result to the smart card corresponding to the client.
- the service server feedback execution result includes two forms of feeding back the execution result to the smart card and feeding back the execution result to the client, and specifically, one of the two or the same may be selected according to the type of the service request.
- the account balance needs to be changed, and the account balance is necessarily associated with the smart card in the smart card service. Therefore, after the service server performs the accounting processing operation according to the storage request or the payment request, the operation result must be fed back to the smart card as the execution result to ensure that the operation result is effective. At the same time, it should also be fed back to the client to let the user know that the operation has been completed.
- the query is executed, and the query result is fed back to the client as the execution result, which is the query result of the user knowing the relevant query.
- the smart card in this embodiment is specifically a SIM card, a UIM card or a memory card.
- the beneficial effects of the present embodiment are: implementing the smart card service by using the client software in the terminal, providing a basic condition for the deeper mining of the smart card service and the improvement of the user experience.
- the terminal in this embodiment is the terminal described in the method shown in FIG. 1.
- the technical solution corresponds to the method embodiment shown in FIG.
- the terminal in this embodiment includes:
- the client is configured to display a business interface to the user, and send a service request to the service server according to the user instruction; and receive an execution result fed back by the service server.
- a smart card is used to receive the execution result of the feedback from the service server.
- the service server feeds back the execution result to the client and/or feeds back the execution result to the smart card corresponding to the client.
- the service request is specifically: a storage request, a query request, or a payment request.
- the smart card specifically includes: a SIM card, a UIM card, or a memory card.
- a client is built in the terminal, and the client interacts with the user to receive user operations.
- the client is essentially the application software of the terminal, and connects and communicates with the service server through a data network such as 2G, 3G, 4G, wifi.
- the user's instruction will be sent to the service server through the client, and the smart card is no longer needed to be sent.
- this step describes the process in which the user interacts with the client and directly instructs the client to send a service request to the service server.
- the STK menu defined by the business is used to limit the use of the STK service, and the advantage of the client itself can be utilized to present the smart card service to the user in the form of a client-made business interface, thereby implementing the smart card service and Human-computer interaction to go further Mining and optimization.
- the specific optimization method can be completed by the design of the client, and can be correspondingly limited according to the requirements of the user.
- the service server feedback execution result includes two forms of feeding back the execution result to the smart card and feeding back the execution result to the client, and specifically, one of the two or the same may be selected according to the type of the service request.
- the account balance needs to be changed, and the account balance is necessarily associated with the smart card in the smart card service. Therefore, after the service server performs the accounting processing operation according to the storage request or the payment request, the operation result must be fed back to the smart card as the execution result to ensure that the operation result is effective. At the same time, it should also be fed back to the client to let the user know that the operation has been completed.
- the account balance is not required to be changed, and the query may be directly executed according to the query request, and the query result is fed back to the client as the execution result, which is the query result of the user being aware of the related query.
- the smart card in this embodiment is specifically a SIM card, a UIM card or a memory card.
- the beneficial effects of the present embodiment are: implementing the smart card service by using the client software in the terminal, providing a basic condition for the deeper mining of the smart card service and the improvement of the user experience.
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Abstract
Description
本发明涉及通信技术领域，特别涉及一种智能卡业务使用方法及终端。The present invention relates to the field of communications technologies, and in particular, to a method and a terminal for using a smart card service.
现有技术中，已经存在利用手机大容量智能卡(比如SIM卡或UIM卡)实现诸多业务，尤其是电子金融业务的技术方案。当前智能卡业务的实现，往往通过在智能卡中开发的STK(SIM Tool Kit，即用户识别应用发展工具)应用菜单。STK可以理解为是智能卡通过接口与手机进行直接的交互，并且借助手机的显示屏展示STK菜单。In the prior art, there are already technical solutions for realizing many services, especially electronic financial services, by using a mobile phone large-capacity smart card (such as a SIM card or a UIM card). The current implementation of the smart card service often uses the STK (SIM Tool Kit), which is developed in the smart card, to apply the menu. STK can be understood as a smart card directly interacting with the mobile phone through the interface, and the STK menu is displayed by means of the display of the mobile phone.
不过STK是由智能卡的运营商所开发，功能相对单调，与用户的交互方式也十分单一，用户体验较差，并没有将STK所涵盖的功能充分发挥。However, STK is developed by the operator of the smart card, the function is relatively monotonous, the interaction with the user is also very simple, the user experience is poor, and the functions covered by the STK are not fully utilized.
发明内容Summary of the invention
有鉴于此，本发明的目的在于提供一种智能卡使用方法及终端，所述方法利用客户端来实现智能卡业务。In view of this, an object of the present invention is to provide a smart card using method and a terminal, which use a client to implement a smart card service.
为实现上述目的，本发明有如下技术方案：In order to achieve the above object, the present invention has the following technical solutions:
一种智能卡业务使用方法，所述方法包括：A method for using a smart card service, the method comprising:
客户端向用户展示业务界面，并根据用户指令向业务服务器发送业务请求；The client presents the service interface to the user, and sends a service request to the service server according to the user instruction;
业务服务器根据所述业务请求向客户端反馈执行结果和/或向该客户端对应的智能卡反馈执行结果。The service server feeds back the execution result to the client according to the service request and/or feeds back the execution result to the smart card corresponding to the client.
所述方法还包括：The method further includes:
业务服务器反馈执行结果前，对客户端进行身份认证。Before the service server feeds back the execution result, the client is authenticated.
所述业务请求具体为：The service request is specifically:
圈存请求、查询请求或支付请求。A request for a deposit, a request for a query, or a request for payment.
当所述业务请求为查询请求，则所述业务服务器根据所述业务请求反馈执行结果具体为： When the service request is a query request, the service server returns the execution result according to the service request as follows:
业务服务器根据所述查询请求执行查询，并将查询结果作为执行结果反馈至客户端。The service server executes the query according to the query request, and feeds the query result as an execution result to the client.
当所述业务请求为圈存请求或支付请求，则所述业务服务器根据所述业务请求反馈执行结果具体为：When the service request is a circle request or a payment request, the service server returns the execution result according to the service request as follows:
服务器根据圈存请求或支付请求进行账务处理操作，并将操作结果作为执行结果反馈至智能卡，同时向客户端发送提示消息。The server performs the accounting processing operation according to the storage request or the payment request, and feeds back the operation result as an execution result to the smart card, and simultaneously sends a prompt message to the client.
所述智能卡具体为：The smart card is specifically:
SIM卡、UIM卡或存储卡。SIM card, UIM card or memory card.
一种终端，所述终端具体包括：A terminal, where the terminal specifically includes:
客户端，用于向用户展示业务界面，并根据用户指令向业务服务器发送业务请求；并接收业务服务器反馈的执行结果；a client, configured to display a business interface to the user, and send a service request to the service server according to the user instruction; and receive an execution result fed back by the service server;
智能卡，用于接收业务服务器反馈的执行结果。A smart card is used to receive the execution result of the feedback from the service server.
所述业务请求具体为：The service request is specifically:
圈存请求、查询请求或支付请求。A request for a deposit, a request for a query, or a request for payment.
所述智能卡具体包括：The smart card specifically includes:
SIM卡、UIM卡或存储卡。SIM card, UIM card or memory card.
通过以上技术方案可知，本发明存在的有益效果是：在终端中利用客户端软件实现智能卡业务，为智能卡业务的更深入的挖掘，用户体验的提高提供了基础条件。It can be seen from the above technical solutions that the present invention has the beneficial effects that the smart card service is implemented by using the client software in the terminal, which provides a basic condition for the deeper mining of the smart card service and the improvement of the user experience.
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the description of the prior art will be briefly described below. Obviously, the drawings in the following description are Some embodiments of the present invention may also be used to obtain other drawings based on these drawings without departing from the art.
图1为本发明实施例所述方法流程图；1 is a flowchart of a method according to an embodiment of the present invention;
图2为本发明实施例所述终端结构示意图。 FIG. 2 is a schematic structural diagram of a terminal according to an embodiment of the present invention.
为使本发明实施例的目的、技术方案和优点更加清楚，下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。The technical solutions in the embodiments of the present invention will be clearly and completely described in conjunction with the drawings in the embodiments of the present invention. It is a partial embodiment of the invention, and not all of the embodiments. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.
在现有技术当中，利用STK实现智能卡业务的过程中，并没有涉及终端(如手机)中安装的客户端软件。智能卡直接与服务器进行通信，而终端在其中仅仅作为一个载体，辅助智能卡进行通信并与用户进行交互。所以，STK的功能与操作展现形式均是取决于运营商的制定，其功能相对单调，与用户的交互方式也十分单一，用户体验较差，而且第三方不能根据需求进行更改。In the prior art, the process of implementing the smart card service by using the STK does not involve the client software installed in the terminal (such as a mobile phone). The smart card communicates directly with the server, and the terminal acts as a carrier only in it, assisting the smart card to communicate and interact with the user. Therefore, the function and operation presentation form of STK are determined by the operator. The function is relatively monotonous, the interaction with the user is also very simple, the user experience is poor, and the third party cannot change according to the requirements.
相比而言，现阶段终端使用的应用软件开发成熟度较高，开放性强，其功能可根据需求定制和更改。所以，若将智能卡业务与客户端软件相结合，就能够弥补现有技术中的若干缺陷。本发明技术方案正式建立在这一思路上。In contrast, the application software developed by the terminal at this stage is highly mature and open, and its functions can be customized and changed according to requirements. Therefore, if the smart card service is combined with the client software, it can make up for some defects in the prior art. The technical solution of the present invention is formally established on this idea.
参见图1所示，为本发明所述方法的一个具体实施例，本实施例中所述方法包括以下步骤：Referring to FIG. 1 , which is a specific embodiment of the method of the present invention, the method in this embodiment includes the following steps:
步骤101、客户端向用户展示业务界面，并根据用户指令向业务服务器发送业务请求。Step 101: The client displays the service interface to the user, and sends a service request to the service server according to the user instruction.
本实施例中，在终端中构建客户端，所述客户端与用户进行交互，接收用户操作。在本实施例中不同于STK在于，用户的所有交互均依靠客户端，不再与智能卡发生交互。而所述客户端本质上是终端的应用软件，通过2G、3G、4G、wifi等数据网络与业务服务器连接和通信。这改变了现有技术中，用户借助运营商制定的STK菜单与智能卡进行交互的方式。本实 施例中用户的指令将通过客户端发送到业务服务器中，也不再需要智能卡进行发送。实际上，本步骤描述的正是用户与客户端进行交互，并直接指令客户端向业务服务器发送业务请求的过程。In this embodiment, a client is built in the terminal, and the client interacts with the user to receive user operations. In this embodiment, unlike the STK, all interactions of the user depend on the client and no longer interact with the smart card. The client is essentially the application software of the terminal, and connects and communicates with the service server through a data network such as 2G, 3G, 4G, wifi. This changes the way in which the user interacts with the smart card using the STK menu developed by the operator in the prior art. Real The user's instructions in the instance will be sent to the service server through the client, and the smart card will no longer need to be sent. In fact, this step describes the process in which the user interacts with the client and directly instructs the client to send a service request to the service server.
所以本实施例中，突破了营商制定的STK菜单对于STK业务使用的限制，得以利用客户端自身的优势，将智能卡业务以客户端自制的业务界面的形式为用户呈现，进而对智能卡业务以及人机交互方式进行更进一步的挖掘和优化。具体的优化方式可以通过客户端的设计来完成，根据用户需求不同能够有相应的本实施例中不作具体的限定。Therefore, in this embodiment, the STK menu defined by the business is used to limit the use of the STK service, and the advantage of the client itself can be utilized to present the smart card service to the user in the form of a client-made business interface, thereby implementing the smart card service and Human-computer interaction mode for further mining and optimization. The specific optimization method can be completed by the design of the client, and can be correspondingly limited according to the requirements of the user.
步骤102、业务服务器对客户端进行身份认证。Step 102: The service server authenticates the client.
本实施例中，所述智能卡业务主要是针对金融账户业务。智能卡业务主要包括圈存、支付及查询等。相应的，用户通过客户端发送业务请求，往往也是为了应用以上的服务内容。所以所述业务请求可以包括：圈存请求、查询请求或支付请求。In this embodiment, the smart card service is mainly for a financial account service. The smart card business mainly includes inventory, payment and inquiry. Correspondingly, the user sends a service request through the client, which is often used to apply the above service content. Therefore, the service request may include: a queue request, a query request, or a payment request.
可见以上业务对安全性的要求应该是比较严格的。为了提高所述方法流程的安全性，业务服务器在根据业务请求处理相关业务之前，需要对客户端进行身份认证。现阶段的身份认证技术是相对成熟的，类似的身份认证方式均可以结合在本实施例的整体技术方案之下，本实施例中不作具体的限定。It can be seen that the security requirements of the above services should be strict. In order to improve the security of the method, the service server needs to authenticate the client before processing the related service according to the service request. At present, the identity authentication technology is relatively mature, and the similar authentication methods can be combined with the overall technical solution of the embodiment, which is not specifically limited in this embodiment.
步骤103、业务服务器根据所述业务请求向客户端反馈执行结果和/或向该客户端对应的智能卡反馈执行结果。Step 103: The service server feeds back the execution result to the client according to the service request and/or feeds back the execution result to the smart card corresponding to the client.
业务服务器反馈执行结果包括向智能卡反馈执行结果和向客户端反馈执行结果两种形式，具体可根据业务请求的类型选择二者之一或同时选择。The service server feedback execution result includes two forms of feeding back the execution result to the smart card and feeding back the execution result to the client, and specifically, one of the two or the same may be selected according to the type of the service request.
例如，对于圈存请求或支付请求，需要变更账户余额，而账户余额在智能卡业务中必然关联智能卡。所以业务服务器根据圈存请求或支付请求进行账务处理操作之后，必须将操作结果作为所述执行结果反馈至智能卡中，以确保该操作结果的生效。同时，也应该反馈至客户端，使用户知悉该操作已经完成。For example, for a deposit request or a payment request, the account balance needs to be changed, and the account balance is necessarily associated with the smart card in the smart card service. Therefore, after the service server performs the accounting processing operation according to the storage request or the payment request, the operation result must be fed back to the smart card as the execution result to ensure that the operation result is effective. At the same time, it should also be fed back to the client to let the user know that the operation has been completed.
或者对于查询请求，不需要变更账户余额，可以直接根据所述查询请 求执行查询，并将查询结果作为执行结果反馈至客户端，是用户知悉相关查询的查询结果。Or for the query request, you do not need to change the account balance, you can directly refer to the query. The query is executed, and the query result is fed back to the client as the execution result, which is the query result of the user knowing the relevant query.
另外需要说明的是，本实施例中所述智能卡具体为SIM卡、UIM卡或存储卡。It should be noted that the smart card in this embodiment is specifically a SIM card, a UIM card or a memory card.
通过以上技术方案可知，本实施例存在的有益效果是：在终端中利用客户端软件实现智能卡业务，为智能卡业务的更深入的挖掘，用户体验的提高提供了基础条件。According to the above technical solution, the beneficial effects of the present embodiment are: implementing the smart card service by using the client software in the terminal, providing a basic condition for the deeper mining of the smart card service and the improvement of the user experience.
参照图2所示，为本发明所述终端的具体实施例。本实施例中所述终端即图1所示方法中所述的终端。其技术方案对应图1所示的方法实施例。本实施例中所述终端包括：Referring to FIG. 2, it is a specific embodiment of the terminal according to the present invention. The terminal in this embodiment is the terminal described in the method shown in FIG. 1. The technical solution corresponds to the method embodiment shown in FIG. The terminal in this embodiment includes:
客户端，用于向用户展示业务界面，并根据用户指令向业务服务器发送业务请求；并接收业务服务器反馈的执行结果。The client is configured to display a business interface to the user, and send a service request to the service server according to the user instruction; and receive an execution result fed back by the service server.
智能卡，用于接收业务服务器反馈的执行结果。A smart card is used to receive the execution result of the feedback from the service server.
所述业务服务器向客户端反馈执行结果和/或向该客户端对应的智能卡反馈执行结果。所述业务请求具体为：圈存请求、查询请求或支付请求。所述智能卡具体包括：SIM卡、UIM卡或存储卡。The service server feeds back the execution result to the client and/or feeds back the execution result to the smart card corresponding to the client. The service request is specifically: a storage request, a query request, or a payment request. The smart card specifically includes: a SIM card, a UIM card, or a memory card.
本实施例中，在终端中构建客户端，所述客户端与用户进行交互，接收用户操作。在本实施例中不同于STK在于，用户的所有交互均依靠客户端，不再与智能卡发生交互。而所述客户端本质上是终端的应用软件，通过2G、3G、4G、wifi等数据网络与业务服务器连接和通信。这改变了现有技术中，用户借助运营商制定的STK菜单与智能卡进行交互的方式。本实施例中用户的指令将通过客户端发送到业务服务器中，也不再需要智能卡进行发送。实际上，本步骤描述的正是用户与客户端进行交互，并直接指令客户端向业务服务器发送业务请求的过程。In this embodiment, a client is built in the terminal, and the client interacts with the user to receive user operations. In this embodiment, unlike the STK, all interactions of the user depend on the client and no longer interact with the smart card. The client is essentially the application software of the terminal, and connects and communicates with the service server through a data network such as 2G, 3G, 4G, wifi. This changes the way in which the user interacts with the smart card using the STK menu developed by the operator in the prior art. In this embodiment, the user's instruction will be sent to the service server through the client, and the smart card is no longer needed to be sent. In fact, this step describes the process in which the user interacts with the client and directly instructs the client to send a service request to the service server.
所以本实施例中，突破了营商制定的STK菜单对于STK业务使用的限制，得以利用客户端自身的优势，将智能卡业务以客户端自制的业务界面的形式为用户呈现，进而对智能卡业务以及人机交互方式进行更进一步的 挖掘和优化。具体的优化方式可以通过客户端的设计来完成，根据用户需求不同能够有相应的本实施例中不作具体的限定。Therefore, in this embodiment, the STK menu defined by the business is used to limit the use of the STK service, and the advantage of the client itself can be utilized to present the smart card service to the user in the form of a client-made business interface, thereby implementing the smart card service and Human-computer interaction to go further Mining and optimization. The specific optimization method can be completed by the design of the client, and can be correspondingly limited according to the requirements of the user.
业务服务器反馈执行结果包括向智能卡反馈执行结果和向客户端反馈执行结果两种形式，具体可根据业务请求的类型选择二者之一或同时选择。The service server feedback execution result includes two forms of feeding back the execution result to the smart card and feeding back the execution result to the client, and specifically, one of the two or the same may be selected according to the type of the service request.
例如，对于圈存请求或支付请求，需要变更账户余额，而账户余额在智能卡业务中必然关联智能卡。所以业务服务器根据圈存请求或支付请求进行账务处理操作之后，必须将操作结果作为所述执行结果反馈至智能卡中，以确保该操作结果的生效。同时，也应该反馈至客户端，使用户知悉该操作已经完成。For example, for a deposit request or a payment request, the account balance needs to be changed, and the account balance is necessarily associated with the smart card in the smart card service. Therefore, after the service server performs the accounting processing operation according to the storage request or the payment request, the operation result must be fed back to the smart card as the execution result to ensure that the operation result is effective. At the same time, it should also be fed back to the client to let the user know that the operation has been completed.
或者对于查询请求，不需要变更账户余额，可以直接根据所述查询请求执行查询，并将查询结果作为执行结果反馈至客户端，是用户知悉相关查询的查询结果。Or, for the query request, the account balance is not required to be changed, and the query may be directly executed according to the query request, and the query result is fed back to the client as the execution result, which is the query result of the user being aware of the related query.
另外需要说明的是，本实施例中所述智能卡具体为SIM卡、UIM卡或存储卡。It should be noted that the smart card in this embodiment is specifically a SIM card, a UIM card or a memory card.
通过以上技术方案可知，本实施例存在的有益效果是：在终端中利用客户端软件实现智能卡业务，为智能卡业务的更深入的挖掘，用户体验的提高提供了基础条件。According to the above technical solution, the beneficial effects of the present embodiment are: implementing the smart card service by using the client software in the terminal, providing a basic condition for the deeper mining of the smart card service and the improvement of the user experience.
以上所述仅是本发明的优选实施方式，应当指出，对于本技术领域的普通技术人员来说，在不脱离本发明原理的前提下，还可以做出若干改进和润饰，这些改进和润饰也应视为本发明的保护范围。 The above description is only a preferred embodiment of the present invention, and it should be noted that those skilled in the art can also make several improvements and retouchings without departing from the principles of the present invention. It should be considered as the scope of protection of the present invention.
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