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Method and system for finishing on-line payment based on user terminal, and user terminal

A user terminal and user technology, applied in the field of communication, can solve the problems of high technical difficulty in designing POS and small application scope, and achieve the effect of reducing technical difficulty, wide application scope and reducing design requirements.

Inactive Publication Date: 2011-06-15
CHINA MOBILE COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0008] In view of this, the embodiment of the present invention provides a method, system and user terminal for completing online payment based on the user terminal, which are used to solve the problems of the small application range of the existing online payment method and the high difficulty of designing POS technology

Method used

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  • Method and system for finishing on-line payment based on user terminal, and user terminal
  • Method and system for finishing on-line payment based on user terminal, and user terminal
  • Method and system for finishing on-line payment based on user terminal, and user terminal

Examples

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no. 1 Embodiment

[0063] The first specific embodiment (the way the user enters the payment password through the keyboard of the mobile terminal)

[0064] In this embodiment, the user mainly inputs the payment password through the keyboard of his user terminal. Through the interface between the user terminal and the SIM card, the payment password entered by the user is encrypted with the PIN encryption key, and stored in the SIM card in the form of ciphertext (in practical applications, the data storage of online consumption applications can be set in the SIM card) area). The POS sends the ciphertext of the payment password to the payment server with the POS number, POS transaction time, POS serial number and other corresponding consumption record information marked by the user. The payment server will verify the POS number and POS transaction while verifying the password. Time, POS serial number, application serial number and other information are verified to confirm the legitimacy of the tra...

no. 2 Embodiment

[0091] The second specific embodiment (the user enters the payment password mode through the STK menu of the mobile terminal)

[0092] In this embodiment, the user mainly inputs the payment password through the STK menu of his user terminal.

[0093] The detailed implementation process is as follows Figure 4 shown, including the following steps:

[0094] Step 401, the operator inputs the consumption amount on the POS, selects the consumption function, and the POS sends a command to read the application serial number of the SIM card to the SIM card through the RFID function;

[0095] Step 402, the SIM card returns the application serial number to the POS through the RFID function;

[0096] The above steps 401 to 402 independently constitute a process for the POS to establish a connection with the user terminal based on its own RFID function.

[0097] Step 403, the POS sends an online consumption initialization command to the SIM card, and sends information such as the appli...

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Abstract

The invention discloses a method and a system for finishing on-line payment based on a user terminal, and the user terminal. The main technical scheme comprises the following steps that: when conducting a transaction with a point-of-saleterminal (POS), the user terminal receives payment passwords input by a user and transmits the payment passwords to a payment server; after the payment server verifies the payment passwords input by the user and the payment passwords pass through the verification, the payment server charges the account corresponding to the user according to transaction amount information which is generated by the POS and corresponds to the user; and a message that the user pays successfully is sent to the POS after the charging is successful. By adopting the technical scheme, the user can input the payment passwords though the user terminal of the user, so that the on-line payment mode has a wider application range, and is not limited to the condition that the payment passwords are input by the POS; and the requirement on a POS password keyboard is reduced, so that the design cost is reduced.

Description

technical field [0001] The present invention relates to the field of communication technology, in particular to a method, system and user terminal for completing online payment based on a user terminal. Background technique [0002] With the vigorous development of e-commerce, card payment methods based on various savings cards, credit cards, IC cards, RFID-SIM cards (Radio Frequency Identification-Subscriber Identity Module, radio frequency identification-subscriber identity module) cards, etc. are becoming more and more popular. At present, the common payment method in the field of e-commerce is the online payment method. Due to the characteristics of online processing, the transaction time is long and the security is high. It is generally used in shopping malls, supermarkets and other places, and supports large-value payments. [0003] The currently widely used online payment method is mainly for the user to input the payment password through the password keyboard of the ...

Claims

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Application Information

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IPC IPC(8): G07G1/14G06Q20/00G06Q20/20
Inventor 李亚强郭漫雪任晓明乐祖晖罗烽
Owner CHINA MOBILE COMM GRP CO LTD