Mobile terminal payment method and mobile terminal payment system for realizing magnetic payment function

A mobile terminal, payment function technology, applied in the payment system structure, the activation of the code identification card or credit card, the cash register, etc., can solve the problem of large track information storage risks and other issues

Active Publication Date: 2009-12-30
SHANGHAI FUIOU PAYMENT SERVICE
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0016] In order to solve this problem, another solution is to bind the bank card with the mobile phone number, and save the private data (including magnetic track information) of the bank card on the server, like a point-of-sale terminal (POS) in a shopping mall. ) machine, realize the payment function with track information, but because the track information is stored on the server, there is a huge risk of track information storage

Method used

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  • Mobile terminal payment method and mobile terminal payment system for realizing magnetic payment function
  • Mobile terminal payment method and mobile terminal payment system for realizing magnetic payment function
  • Mobile terminal payment method and mobile terminal payment system for realizing magnetic payment function

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Embodiment Construction

[0095] The present invention will be described more fully hereinafter with reference to the accompanying drawings, in which exemplary embodiments of the invention are illustrated.

[0096] The main solution of the present invention includes: storing the private data containing the bank card magnetic track information in the mobile terminal of the bank card holder; when the user pays, the mobile terminal sends the bank card password input by the user and the stored private data to the payment background Server side: the payment background server side sends the bank card password and the magnetic track information of the bank card to the issuing bank, and executes the subsequent payment process.

[0097] In terms of technical implementation, J2ME can be used as the development platform of the payment client, and the JSR75 technology (local file access interface) in the J2ME standard is adopted to store private data such as bank card track information and user login number in the ...

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Abstract

The invention discloses a mobile terminal payment method and a mobile terminal payment system for realizing magnetic payment function. The mobile terminal payment method comprises the following steps that the prior mobile terminal is free from being specially reformed, and private data of a bank card is saved in a mobile terminal of a holder of the bank card safely; when a user carries out payment, the mobile terminal sends bank card passwords inputted by the user and the saved private data to a payment background server-side; and the payment background server-side sends the bank card passwords and magnetic track information of the bank card to a card-issuing bank to carry out a follow-up payment process. By using the proposal, the mobile terminal payment method and the mobile terminal payment system for realizing the magnetic payment function improve the versatility, the safety and the reliability of the payment of the mobile terminal.

Description

technical field [0001] The present invention relates to online payment technology, in particular to a mobile terminal payment method, a payment system, a mobile terminal client system and a payment background service system that realize a magnetic payment function. Background technique [0002] At present, there are mainly the following payment methods in China through mobile terminals such as mobile phones: [0003] Payment method using SMS. [0004] This is a relatively early mobile payment technology. Before the customer needs to pay, he first forms a payment request on the mobile phone, and then sends it to the mobile operator in a text message, and the mobile operator forwards the information to the card-issuing bank for deduction. Then send it back to the mobile phone customer in the form of a text message. [0005] Due to the characteristics of SMS itself, this payment technology also has many shortcomings, such as insecurity, unreliability, poor real-time performan...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07G1/14G07F7/08G06Q20/00
Inventor 陈建黎宝华付小兵黄菲刘璟
Owner SHANGHAI FUIOU PAYMENT SERVICE
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