System and method for payment based on non-contact handheld payment terminal

A non-contact, payment terminal technology, applied in the payment system structure, record carrier used by machines, instruments, etc., can solve problems such as inability to reuse terminals, transaction security risks, inconvenience, etc., to achieve safe and reliable information transmission and communication connection. Fund security, the effect of ensuring the security of funds

Inactive Publication Date: 2010-06-02
刘宜云
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0009] At present, a variety of payment modes based on mobile phone platforms have been developed, mainly including the RF-SIM mode dominated by mobile operators, but the radio frequency used by RF-SIM is 2.4GHz, and the radio frequency range is between 10cm and 5000cm, and it is an open frequency band (Wireless LAN and Bluetooth both use this frequency band), all transaction information is exposed to the network receiving environment, and there are serious transaction security risks
Its 2.4GHz technology is a non-standard technology, and it is not compatible with bus, subway, access c

Method used

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  • System and method for payment based on non-contact handheld payment terminal
  • System and method for payment based on non-contact handheld payment terminal
  • System and method for payment based on non-contact handheld payment terminal

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Embodiment Construction

[0050] 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 and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0051] Such as figure 1 As shown, the present invention provides a payment system 100 based on a contactless handheld payment terminal, which at least includes a contactless handheld payment terminal 10 , a merchant terminal 11 and a third-party payment platform 12 .

[0052] The non-contact handheld payment terminal 10 is used to apply to the third-party payment platform 12 for opening a non-contact payment service and obtain an embedded electronic wallet. When the user uses the non-contact handheld payment terminal 10, he needs to associate the SIM card (or UIM card) with the non-contact handhel...

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Abstract

The invention discloses a method for payment based on non-contact handheld payment terminal, which comprises the following steps of: respectively applying opening non-contact payment services for a third party payment platform by a non-contact handheld payment terminal and a commercial tenant terminal, getting an embedded electronic purse by the non-contact handheld payment terminal, getting a commercial tenant terminal account by the commercial tenant terminal; paying at the commercial tenant terminal by the non-contact handheld payment terminal through the electronic purse; and updating the balance of the electronic purse and the balance of the commercial tenant terminal account in real time by the third party payment platform according to the paying amount of the non-contact handheld payment terminal at the commercial tenant terminal. The invention also provides a system for payment based on the non-contact handheld payment terminal correspondingly. Therefore, the invention can enable a user to be more convenient for payment more safely and reliably during the small payment.

Description

technical field [0001] The present invention relates to a wireless payment system and method, in particular to a system and method for payment based on non-contact hand-held. Background technique [0002] NFC (Near Field Communication, near-field communication technology), is a technology based on mobile terminals to realize short-range wireless communication, and is mainly used for short-distance (within 10 cm) non-contact secure communication wireless communication technology. [0003] In recent years, with the continuous development of technology, NFC chips have expanded from only supporting a single business application to supporting multiple applications at the same time, such as bus cards, gas cards, social security cards, bank cards, store value cards, membership cards Card functions of different purposes such as access control cards are integrated on the same physical card containing NFC chips, which provides great convenience for the daily life of the public. [00...

Claims

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Application Information

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IPC IPC(8): G06Q20/00G06K19/07
Inventor 刘宜云
Owner 刘宜云
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