Mobile data transmission method based on combination of SD (Secure Digital) encrypted card and short-distance wireless communication technology

A wireless communication technology and mobile data technology, applied in the field of short-range wireless communication technology and smart card encryption, it can solve the problems that the external interface cannot be compared with the computer, the security can not be compared effectively, and the security cannot be guaranteed effectively. The effect of efficiency

Inactive Publication Date: 2010-12-15
INPOUND
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  • Abstract
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  • Application Information

AI Technical Summary

Problems solved by technology

However, the current "mobile terminal + bank" model does not have any credible security guarantees
The old payment mode faces the following problems: Encryption and immediacy are the main obstacles to the popularization of mobile terminal payment. Although WAP-enabled mobile terminal payment can use the encryption technology of the mobile network, relatively speaking, it is not very eff

Method used

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  • Mobile data transmission method based on combination of SD (Secure Digital) encrypted card and short-distance wireless communication technology
  • Mobile data transmission method based on combination of SD (Secure Digital) encrypted card and short-distance wireless communication technology
  • Mobile data transmission method based on combination of SD (Secure Digital) encrypted card and short-distance wireless communication technology

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Embodiment Construction

[0025] The method is based on SD encryption card and short-distance wireless communication technology. Based on short-distance wireless communication technologies such as RF-SIM, SIMpass, and NFC, mobile terminals and bank cards are required to be bound to realize contactless mobile payment, and micropayments can be completed only by placing the mobile terminal close to a POS machine with an RFID card reader And the independent push of large payment user information so that the backend of the online banking can generate a transaction pipeline. Short-range wireless communication technology combined with terminal equipment is used to provide users with identification applications and services.

[0026] A specific example of this method is figure 2 The steps shown are this:

[0027] 1. The terminal device is close to the POS machine to obtain user account information.

[0028] 2. The POS machine judges the message to judge the consumption type according to the amount.

[002...

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Abstract

The invention discloses a mobile data transmission method based on combination of SD (Secure Digital) encrypted card and a short-distance wireless communication technology, belonging to the field of communication. The method comprises the steps of: 1, acquiring consumption amount information; 2, checking whether the expense exceeds a micropayment limit, if so, skipping to a step 3, and if not, skipping to a step 4; 3, logging in a mobile terminal bank, and skipping to a step 5; 4, checking whether the micropayment remaining balance is sufficient or not, if so, skipping to a step 6; and if not, skipping to the step 3; and 5, carrying out business process by the mobile terminal bank, or step 6, carrying out micropayment and then completing the payment. The invention can effectively solve capitals floating on various cards so as to ensure that not only a certain interest income can be obtained on a bank card, but also the consumers are facilitated. Thus, a bank can cooperate with a mobile terminal operator for disintermediation so that the capital of the bank directly enters end consumption, a consumption information stream directly enters information system of the bank and information processing becomes more efficient.

Description

technical field [0001] The invention relates to short-distance wireless communication technology and smart card encryption technology, in particular to a method for realizing data transmission of a wireless terminal system by combining the two, which is used to realize mobile security payment. Background technique [0002] The old mobile payment mode includes mobile terminal phone bill payment (implementation methods include SMS, WAP, QR code, RF-SIM, etc.) and "mobile terminal + bank" payment. The former is a small payment, and the latter is a large payment. Micropayment is restricted by mobile terminal phone bill accounts, which violates the nature of consumers' "free consumption", so it is used as a transition to gradually move towards the "mobile terminal + bank" model. However, the current "mobile terminal + bank" model does not have any credible security guarantee. The old payment mode faces the following problems: Encryption and immediacy are the main obstacles to t...

Claims

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Application Information

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IPC IPC(8): G07F19/00H04L9/32H04B5/00
Inventor 冯卫东张佳文
Owner INPOUND
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