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Method and system for implementing electronic payment of mobile terminal

A mobile terminal, electronic payment technology, applied in the payment system, payment system structure, record carrier used by the machine, etc., can solve the problems of user loss and security risks, and achieve the effect of solving security risks.

Active Publication Date: 2012-09-05
BEIJING HUADA ZHIBAO ELECTRONICS SYST
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

When conducting transactions, the fixed QR code is identified every time, which has great hidden dangers in security. Once the mobile phone is lost, it will cause huge losses to the user

Method used

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  • Method and system for implementing electronic payment of mobile terminal
  • Method and system for implementing electronic payment of mobile terminal
  • Method and system for implementing electronic payment of mobile terminal

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Embodiment Construction

[0016] In the embodiment of the present invention, by embedding or externally connecting the mobile terminal with a smart card containing business data and related key information, the user connects the mobile terminal to the electronic bank server and uses the smart card for identity authentication to determine whether to conduct transactions. On the one hand, through the organic combination of smart cards and mobile terminals, the mobile terminal has the same functions as bank cards, and users only need to carry the mobile phone as a medium to realize electronic payment; on the other hand, by using encryption and decryption during transactions The technology signs and encrypts sensitive information of users to ensure the safe payment of bank cards.

[0017] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings.

[0018] fig...

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Abstract

The invention discloses a method for realizing electronic payment of a mobile terminal. An intelligent card is taken as a carrier of business data and a key and is connected with a mobile telephone to substitute for a solid bank card; at the same time, encryption and decryption technology is utilized to perform signature encryption to the business data and further convert the encrypted data into a two-dimensional code so as to realize the safe and instant payment of the bank card. The invention also discloses a device for realizing electronic payment of the mobile terminal. The method solves the potential safety hazard caused by directly converting account information into the two-dimensional code for electronic payment at present, provides safety protection for the electronization of thebank account payment, and provides the novel carrier for account information of the bank card.

Description

technical field [0001] The invention relates to electronic payment technology, in particular to a method and system for realizing electronic payment of a mobile terminal. Background technique [0002] As an IC card with functions of identification, payment, encryption / decryption, smart card has been widely used in banking, telecommunications, social insurance, e-commerce and other fields, providing a reliable guarantee for safe transactions. Two-dimensional code technology is a brand-new automatic identification and information carrier technology, which has the advantages of large amount of information, strong error correction ability, fast recognition speed, all-round reading, etc., and supports multiple carriers. [0003] The current method of electronic payment using mobile terminals is to directly convert account information into two-dimensional codes and store them on mobile phones. When conducting transactions, the fixed QR code is identified every time, which has gre...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/34G06Q20/42G06K19/00G06Q20/40G06Q40/02
Inventor 夏皓如陈跃王梓刘海剑广忠海华燕翔
Owner BEIJING HUADA ZHIBAO ELECTRONICS SYST