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

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...

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 effective. Safety

[0003] The mobile terminal is limited by the volume, and the external interface cannot be compared with the computer. In terms of online payment, it is still using dynamic passwords or downloading soft keys. Its security cannot be compared with the security of the computer + USB shield. It is also an important reason restricting the development of mobile terminal payment

Images