Handheld equipment specially used for mobile bank terminal

Abstract

The invention relates to a mobile phone and an application method thereof, wherein the main body of the mobile phone can be provided with a module which can store a plurality of mobile bank fund accounts and a plurality of dynamic password groups at the same time and has the password safety protection function and the POS (point of sale) machine near-field payment function. The mobile bank fund accounts and the dynamic password groups are memorized in read only memories (ROMs) of an integrated circuit (IC) card, wherein the ROMs stimulate the standard shape of a subscriber identity module (SIM) card; different mobile bank fund accounts are respectively memorized in different ROMs of the IC card; and the user selectively uses more mobile bank fund accounts by inserting and changing different ROMs of the IC card. The module which is provided with the ROMs of the IC card establishes the only communication relation through an element and a base band or the SIM card or a coprocessor, wherein the element is used for realizing the simplex communication. The safety of the passwords memorized in the ROMs of the IC card is protected by replying the circulating long-string dynamic password groups. The module carries out near-field communication for the POS machine by the connection of the base band or the SIM card or the coprocessor with a coupling module antenna.

Description

Technical field: [0001] The present invention relates to mobile phones, and in particular, the present invention relates to a novel module and method for realizing integrated applications of multiple mobile bank credit card accounts and related dynamic password security protection and near-field payment functions for POS machines on mobile phones. Background technique: [0002] As the most popular personal smart terminal product, the mobile phone has become a super application platform after successively integrating many functions such as voice communication, games, network communication, music audio-visual, etc. The next step is how to ensure the safety and integrated application of mobile bank capital accounts To meet the application needs of the electronic currency era. At present, the representative mobile phone product in terms of integrated financial payment function is the NFC feature phone. NFC is a short-distance wireless communication technology standard similar to...

AI Technical Summary

Problems solved by technology

The NFC function mobile phone can better solve the function of using the mobile phone to realize the near-field micropayment. However, it is powerless to meet the more diverse and deeper user needs. The terminal users of mobile banking still access, manage and complete the account through conventional methods. For operations such as transfer and payment, the conventional methods and their shortcomings are as follows: 1. The wireless communication channel of mobile banking adopts high-strength SSL data encryption protocol and downloads and installs encryption software on user terminal mobile phones, but these are not enough Completely eliminate the risk of user terminal password being stolen, so that all mobile banking has to set a very low daily maximum transaction limit for user accounts to prevent it, which not only brings considerable inconvenience to users, but also keeps the development of mobile banking at Primary stage; 2. The password security protection product that is widely used in online banking and can better protect terminal password security is USB Key, but it cannot be effectively applied in mobile phone communication due to the shape and large data traffic. Currently, it is used in mobile banking user terminals The most widely used password security protection method is the dynamic password library mode, such as the dynamic password card of China Construction Bank, but the existing dynamic password library products still have security holes that are illegally invaded, and they need to be carried separately instead of with The integration of mobile phones causes inconvenience and does not meet the requirements of mobile phone function integration; 3. End users can use NFC-enabled mobile phones to make near-field micropayments to readers, but due to the structural security loopholes of NFC itself, it is impossible to directly Using a mobile phone to make a large amount of account payment near the POS machine, resulting in huge restrictions on the use and payment of the account; 4. Many users hold credit cards from multiple banks at the same time, and put multiple standard-sized credit cards into a wallet. and cause considerable inconvenience to use

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