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

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...

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 control, and merchant terminals. It cannot reuse existing terminals and needs to redeploy terminal equipment

At present, the installation cost of RF-SIM equipment is about 3000-4000 yuan, and the basic network construction cost is very high, which is usually restricted by UnionPay and telecom operators, resulting in difficulties in market promotion, and at the same time, transaction security and user fund security cannot be guaranteed.

[0010] In summary, the existing non-contact handheld payment system obviously has inconvenience and defects in actual use, so it is necessary to improve it

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