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

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...

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 card payment system cannot be used, which limits its scope of use

[0006] At present, there is no method to support both credit card payment and online payment on mobile terminals

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