Online payment method and system using the mobile terminal supporting eNFC function

A mobile terminal and functional technology, applied in the direction of payment system structure, transmission system, data processing application, etc., can solve the problems of not being able to use the credit card payment system, limit the scope of use, etc., achieve great practical value and application prospects, work and life Convenience, The effect of expanding the range of use

Inactive Publication Date: 2008-09-10
ZTE CORP
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  • Summary
  • 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 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

Method used

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

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Comparison scheme
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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 built-in credit card application of the user identification card used by the mobile terminal supporting eNFC can not only swipe the card on the card reader for electronic payment, but also support online payment ; The mobile terminal initiates a payment request through the e-commerce SP online, chooses to use a credit card for online payment, and the e-commerce SP sends the payment request to the credit card information center; the credit card information center verifies the authenticity of the credit card and verifies whether the credit limit of the credit card is acceptable Make this payment, and then the credit card information center sends a payment confirmation and identity verification request to the mobile terminal; after receiving th...

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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 SP and selects a credit card online payment; the e-business SP transmits the payment requirement to a credit card information center; the credit card information center carries out authentication on the facticity of the credit card and authenticates the credit line of the credit card; after the authentication is passed, the credit card information center sends payment confirmation and identification authentication requirements to the movable terminal; after obtaining the payment confirmation and passing the identification authentication, the credit card information center carries out authorization to the e-business SP; thereby realizing the online payment applied by the movable terminal built-in credit card; the system at least includes the e-business SP, the credit card information 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 using a mobile terminal supporting eNFC (enhanced Near Field Communication, 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...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00H04L29/08G06Q20/32
Inventor 马景旺
Owner ZTE CORP
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