Method for user to control payment or transfer by using mobile phone terminal

Abstract

The invention provides a method for a user to control payment and transfer by using a mobile phone terminal, which allows a mobile phone user to use a bank account control menu on a mobile phone terminal to manage and control the payment and transfer operation of bank accounts, increases the safety and the controllability of the bank accounts of the user, allows the mobile phone terminal to participate in the payment or transfer of the user, provides standard payment interface specifications for mobile phone control and management on the basis of bringing convenience to the user, and improves the security level of the bank accounts of the mobile phone user through multiple communication modes, thereby realizing the controller function of the mobile phone in a payment process and expanding the functions of the mobile phone into the payment or transfer control in the finical field.

Description

technical field [0001] The invention relates to the fields of mobile communication technology and finance, in particular to a method for users to control payment or transfer through a mobile phone terminal. The present invention mainly relates to the process that the user uses his mobile phone terminal to control the change of his bank account through mobile communication when he pays or transfers money or performs account management. Background technique [0002] In the current mobile communication technology and financial fields, especially with the development of wireless broadband services (such as third-generation mobile communication technology), on the one hand, smart phones have become popular, which provides good network conditions for commercial banks to provide mobile banking services. However, the defects of mobile banking are: moving the business of online banking to the mobile phone only uses the data communication function of the mobile communication network, ...

AI Technical Summary

Problems solved by technology

[0002] In the current mobile communication technology and financial fields, especially with the development of wireless broadband services (such as third-generation mobile communication technology), on the one hand, smart phones have become popular, which provides good network conditions for commercial banks to provide mobile banking services. However, the defects of mobile banking are: moving the business of online banking to the mobile phone only uses the data communication function of the mobile communication network, without considering the control function of the mobile phone, such as the opening and closing of accounts; A single communication method is completed, and there is no confirmation process of multiple communication methods controlled by mobile phones; the use of different bank accounts requires different bank online banking service interfaces; on the other hand, RF-SIM and SIMPASS mobile payment based on SIM cards have begun to appear. The RF-SIM is a short / middle-range wireless communication technology based on a SIM card. This technology is a kind of NFC short-range wireless communication. It embeds modules with RF radio frequency functions in the SIM card and uses 2.4G The microwave frequency is used for data communication; the SIMpass is a multi-functional SIM card, which integrates DI card technology and SIM card technology, supports contact and non-contact two working interfaces, the contact interface realizes the SIM function, and the non-contact interface realizes Payment function, compatible with multiple smart card application specifications

Using SIMpass technology or RF-SIM technology, with the support of wireless communication network and background payment system, various on-site mobile payment services based on mobile phones can be carried out. Users who use SIMpass or RF-SIM can pass NFC (Near Field Contactless), that is, It can complete the payment process safely and easily, and load offline payment accounts attached to mobile phone smart cards such as SIMpass or RF-SIM. For mobile payment systems built by telecom operators, it is possible to load mobile offline payment accounts through pre-stored phone charges , for the mobile phone payment system built by the bank, the funds on the bank card account of the bank are used to transfer the mobile phone electronic wallet, so there are the following problems: 1. There is no unified mobile phone offline payment account loading interface on the user's mobile phone ;2. There is no mobile phone to guard (open or close, activate or deactivate) the background account control

[0003] The current mobile banking or mobile offline payment deposits lack unified business specifications, lack of multi-communication control processes involving mobile phones, and lack of mobile phone enhanced security control functions for accounts, etc.

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