Mobile payment terminal, system and mobile payment method

Abstract

The invention provides a mobile payment terminal, a mobile payment system and a mobile payment method, and aims to solve the problems of safety and technicality existing in mobile payment. The mobile payment terminal comprises an intelligent card, an SIM card holder, a bottom communication interface, a terminal chip, and a wireless application module, wherein the intelligent card is used for storing bank card information and encrypting transaction data which contains the bank card information and a transaction password; the SIM card holder is used for inserting the intelligent card or an SIM card and providing a hardware interface which is directly accessed by the terminal chip for the inserted card; the bottom communication interface is used for software at the bottom of the terminal chip to open a software interface for the terminal chip to directly access the inserted card; the terminal chip is used for directly interacting with the chip of the intelligent card or the SIM card which is inserted into the SIM card holder through the bottom communication interface; and the wireless application module is used for providing external communication between the terminal chip and the terminal. The mobile payment terminal performs hardware encryption on the data through the chip so as to ensure the safety of data transmission and financial transaction.

Description

technical field [0001] The present invention relates to the technical field of communication, in particular to a mobile payment terminal, a system and a mobile payment method. Background technique [0002] With the development of electronic banking business, the consumer payment tools of modern people are not limited to cash, but have been extended to bank cards, online banking, telephone banking and mobile banking. With the increasing popularity of mobile phones, this modern communication tool has been endowed with more functions. Mobile payment relies on the rich wealth management functions of bank cards and gives full play to the mobility of mobile phones to provide personalized financial services for cardholders and mobile phone users. As a brand-new payment method, mobile payment has the advantages of convenience, speed, security, and low cost, and will lead the development of mobile e-commerce and wireless finance. These functional services extended by mobile phones a...

AI Technical Summary

Problems solved by technology

However, STK has problems such as high development difficulty, inconsistent technical standards, and high cost.

This is because the STK application is written by the card dealer, and the data communication method can only use data SMS, which makes development difficult; moreover, users need to go to the business hall to exchange for a SIM card with STK solidified to use the STK application, which greatly increases the user's and operator costs

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