Online payment method and system based on the mobile terminal supporting eNFC function

A mobile terminal and payment request technology, applied in the direction of payment system structure, transmission system, data processing application, etc., can solve the problems of limited scope of use, inability to use credit card payment system, etc., to achieve convenience in work and life, great practical value and application prospects , the effect of expanding the scope of use

Inactive Publication Date: 2008-09-10
ZTE CORP
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

With this payment method, the online payment processing is mainly carried out by the mobile network operator, and only online payment can be realized, and the existing mature c

Method used

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  • Online payment method and system based on the mobile terminal supporting eNFC function

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Embodiment Construction

[0025] At first, explain the present invention method and online payment system:

[0026] (1) Method

[0027] A method for realizing online transaction and payment using a mobile terminal supporting eNFC function, characterized in that the stored-value card application built into the user identification card used by the mobile terminal supporting eNFC can not only swipe the card on the POS machine for electronic payment, but also support online payment. Payment: The mobile terminal chooses to use the built-in stored-value card application for payment, and initiates a payment request through the e-commerce SP online, and the e-commerce SP sends the payment request to the payment gateway corresponding to the stored-value card; then, the payment gateway and the mobile terminal conduct two-way Identity authentication, to verify whether the identity of the other party is legal; after the two-way identity authentication is passed, the stored-value card management center sends an ope...

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Abstract

The invention relates to a method for realizing online payment based on a movable terminal supporting eNFC function and an online payment system, wherein, the online payment method is that: the movable terminal on line launches a payment requirement through an e-business service provider and selects a value card online payment; the e-business service provider transmits the requirement to a payment gateway; the payment gateway and the movable terminal carry out bidirectional identification authentication; after the authentication is passed, a value card management center gives a command to the movable terminal; the movable terminal finishes the operation according to the command and returns the result back to the value card management center; the value card management center transmits the payment amount to the account of the e-business service provider after confirming that the payment amount is deducted from the value card and then informs the e-business service provider and the movable terminal that the payment is finished; the system at least includes the e-business SP, the value card management center and the movable terminal supporting eNFC function. The method and the system lead the movable terminal to be simultaneously provided with the functions of online and swiping card payment and have wide application prospect.

Description

technical field [0001] The present invention relates to a mobile terminal and online payment, in particular to a method and system for realizing online payment based on a mobile terminal supporting eNFC (enhanced Near Field Communication) function. Background technique [0002] After more than ten years of development, integrated circuit IC cards, especially contactless IC cards, have been widely used in fields such as public transport, access control, and small-amount electronic payments. At the same time, after more than 20 years of rapid development, mobile phones have basically been popularized among residents, bringing great convenience to people's work and life. Mobile phones are becoming more and more powerful, and there is a tendency to integrate more functions. The combination of mobile phone and non-contact IC card technology, and the application of mobile phone in the field of electronic payment will further expand the scope of use of mobile phones, bring conveni...

Claims

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Application Information

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IPC IPC(8): G06Q20/00H04L29/08G06Q20/32
Inventor 马景旺
Owner ZTE CORP
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