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System and method for realizing non-contact payment based on payment bridge

A non-contact and payment password technology, applied in the field of mobile communication, can solve the problems of payment security risks

Pending Publication Date: 2009-08-26
候万春
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] In the current financial field, the use of radio frequency identification cards for offline payment services has become popular, such as city cards, bus cards, etc. , some bank cards are packaged with radio frequency identification technology, and some banks use radio frequency technology to package bank cards into mobile phone terminals. The disadvantage is that the bank card using radio frequency identification technology directly corresponds to the bank account number, and there is a risk of payment security.

Method used

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  • System and method for realizing non-contact payment based on payment bridge
  • System and method for realizing non-contact payment based on payment bridge

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0055] figure 1 It is a schematic diagram of the system structure of a contactless payment based on a payment bridge, in which:

[0056] The mobile phone terminal 190 is connected to the mobile access gateway device 170 through the mobile communication wireless network 180;

[0057] The payment bridge transaction server 100 is interconnected with the mobile access gateway device 170 through the mobile communication network 160;

[0058] The payment bridge transaction server 100 is interconnected with the bank card transaction gateway device 110 through the data network 130;

[0059] The bank card transaction gateway device 110 is connected to the bank transaction system 131 through a data network;

[0060] The payment bridge transaction server 100 and the bank card transaction gateway device 110 adopt TCP / IP for communication. Preferably, the communication protocol adopts the "UnionPay Card Networking Joint Technical Specification V2.0" protocol issued by China UnionPay;

[0061...

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PUM

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Abstract

The invention provides a system and a method for realizing non-contact payment based on a payment bridge. On-line payment service triggered by a non-contact payment identification code is provided by establishing the corresponding relation of the non-contact payment identification code and a bank deposit account A in a payment bridge transaction system, and a payment bridge transaction server is used to finish the transferred account service of the bank deposit account A corresponding to the non-contact payment identification code to a bank account number of a merchant, thereby ensuring that a mobile phone user can finish on-line payment through an RFID card or a two-dimensional code multimedia message.

Description

Technical field [0001] The invention relates to the technical field of mobile communication and the financial field, in particular to a system and method for realizing contactless payment based on a payment bridge. The present invention establishes the corresponding relationship between the non-contact carrier identification code and the bank deposit account A in the payment bridge transaction system to provide online payment services triggered by the non-contact carrier identification code, and the payment bridge transaction server completes the bank corresponding to the non-contact carrier identification code Transfer business from deposit account A to merchant's bank account. The non-contact carrier identification code refers to a radio frequency identification RFID tag or a two-dimensional code. Background technique [0002] In the current financial field, offline payment services using radio frequency identification cards have become popular, such as city card, bus card, etc...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00G07G1/14H04W4/00
Inventor 候万春
Owner 候万春
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