System and method for providing mobile payment through combining non-contact IC card
A mobile payment and non-contact technology, applied in the field of communication, can solve the problems of less application of POS, long sensing distance of RFID non-contact IC card, difficulty of passing through batteries, etc.
Inactive Publication Date: 2011-09-07
候万春
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Problems solved by technology
[0002] In the current IC card application field, there are RFID non-contact IC cards with various frequencies, such as RFID non-contact IC cards with 13.56MHz antennas and RFID non-contact IC cards with 2.4GHz antennas. For RFID non-contact IC cards with 13.56MHz antennas, If it is pasted on a mobile phone smart card (such as a SIM card), with the help of the data channel of the SIM card, the OTA short message application or data application of the non-contact IC card can be provided to the mobile phone user, and its defect is that the 13.56MHz antenna induction The distance is short, and it is difficult to pass through the battery of the mobile phone; for the RFID non-contact IC card of the 2.4GHz antenna, if it is integrated into the smart card of the mobile phone (such as a SIM card), with the help of the data channel of the SIM card, it can provide mobile phone users with all information. The OTA short message application or data application of the non-contact IC card has the defect that the RFID non-contact IC card with the 2.4GHz antenna has the characteristics of a long sensing distance, but the defect is that the 2.4GHz application POS is less, and the 13.56MHz POS has already universal
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[0034] figure 1 It is a schematic diagram of the system structure for providing mobile payment by combining contactless IC cards, where:
[0035] The mobile phone terminal 110 with combined non-contact IC card function is connected to the mobile communication network 120 through the mobile communication wireless network via the mobile access gateway device;
[0036] The mobile payment application server 100 is interconnected with the mobile phone terminal 110 with the combined non-contact IC card function through the mobile communication network 120;
[0037] The mobile payment application server 100 is interconnected with the bank transaction gateway 140 through the data network 130, and communicates using TCP / IP. Preferably, the communication protocol adopts the "UnionPay Card Networking Joint Technical Specification V2.0" protocol issued by China UnionPay;
[0038] The bank transaction gateway 140 is interconnected with the transaction systems 180 of each bank through the ...
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The present invention provides a system and a method for providing mobile payment through combining the non-contact IC card. The prior radio frequency identification RFID non-contact IC cards with different frequencies or same frequency is combined to a mobile telephone terminal for settling the problems that the sensing distance of the 13.56MHz non-contact IC card is short and the 2.4GHz non-contact IC card POS card reader is not popular. The non-contact IC card is added to the intelligent card of the mobile telephone terminal for providing the mobile payment service of dual payment card based on the non-contact IC card application program management and control on the intelligent card of the mobile phone, namely the service of using the dual payment card on the POS for consuming and funds transferring.
Description
technical field [0001] The invention relates to the technical field of communication, in particular to a system and a method for providing mobile payment by combining non-contact IC cards. The invention provides mobile phone users with more convenient mobile payment services by combining existing radio frequency identification RFID non-contact IC cards with different or the same frequency on the mobile phone terminal. Background technique [0002] In the current IC card application field, there are RFID non-contact IC cards with various frequencies, such as RFID non-contact IC cards with 13.56MHz antennas and RFID non-contact IC cards with 2.4GHz antennas. For RFID non-contact IC cards with 13.56MHz antennas, If it is pasted on a mobile phone smart card (such as a SIM card), with the help of the data channel of the SIM card, the OTA short message application or data application of the non-contact IC card can be provided to the mobile phone user, and its defect is that the 13...
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IPC IPC(8): G07F7/08G07F19/00G06Q20/00H04M11/00H04L29/06G06Q20/34
Inventor 候万春
Owner 候万春