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Mobile payment system, mobile terminal and method for realizing mobile payment service

A mobile payment and mobile terminal technology, applied in the field of communication, can solve problems such as the complexity of payment business implementation, achieve the effect of improving customer experience satisfaction and simple deployment

Active Publication Date: 2011-06-22
ZTE CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] The main purpose of the present invention is to provide a mobile payment system, a mobile terminal, and a method for implementing mobile payment services, so as to at least solve the above-mentioned problem of complicated implementation of payment services caused by the differentiation of mobile terminals

Method used

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  • Mobile payment system, mobile terminal and method for realizing mobile payment service
  • Mobile payment system, mobile terminal and method for realizing mobile payment service
  • Mobile payment system, mobile terminal and method for realizing mobile payment service

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0022] This embodiment provides a mobile payment system, see figure 1 , the system includes a mobile payment server 10 and a mobile terminal 20; wherein the mobile terminal 20 includes: a virtual desktop control module 202, a virtual drive control module 204 and a mobile payment module 206; the functions of each module are as follows:

[0023] The virtual desktop control module 202 is configured to send a connection request to the mobile payment server 10 through the remote control protocol, and provide identity information to the mobile payment server 10 through the remote control protocol, and present mobile payment services according to the control of the mobile payment server 10, to the mobile payment server 10. The payment server 10 feeds back the transaction operation information of the user;

[0024] Wherein, the identity information of the mobile terminal in this embodiment may be the login account and password of the user of the mobile terminal to authenticate the ide...

Embodiment 2

[0046] This embodiment provides a mobile payment system, which includes the mobile terminal and the mobile payment server shown in Embodiment 1, see figure 2 , the mobile terminal includes a virtual desktop control module 202, a virtual driver control module 204 and a mobile payment module 206; the functions of each module are basically the same as those in Embodiment 1, the difference is that the mobile payment module 206 also includes: a security unit 262 , the mobile payment module can support the mobile banking of remote payment, and also can support the NFC of on-site payment, such as the security unit adopts SIM (subscriber identification card) and so on.

[0047] The virtual desktop control module 202 of this embodiment is provided with a virtual desktop program, and the program communicates with the server (namely, the above-mentioned mobile payment server 10 ) through the remote control protocol. Authentication and security control are performed through the authentic...

Embodiment 3

[0065] The mobile payment systems provided by the above-mentioned embodiments 1 and 2 are mainly for remote mobile payment services, and the actual mobile payment services also include on-site payment services. At this time, the mobile terminal can be equivalent to a bank card or a bus card. Based on this, this embodiment provides a mobile payment system, see image 3 In addition to the mobile payment server 10 and the mobile terminal 20 shown in Embodiment 1, the mobile payment system also includes: an acceptance terminal 30 and an acceptance terminal management device 40;

[0066] The mobile terminal 20 also includes: a near-field communication module 208, which is used to communicate with the accepting terminal 30 for mobile payment services to complete on-site payment services;

[0067] The acceptance terminal 30 is used to upload the transaction operation information of the on-site payment service to the mobile payment platform module of the mobile payment server 10 throu...

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Abstract

The invention provides a mobile payment system, a mobile terminal and a method for realizing a mobile payment service. The system comprises a mobile payment server and the mobile terminal, wherein the mobile terminal comprises a virtual desktop control module, a virtual driving control module and a mobile payment module; and the mobile payment server comprises an authentication module, a mobile payment platform module and an account platform module. According to the invention, the problem of complex realization of a payment service caused by mobile terminal difference is solved, various mobile payment services can be realized only if basis display and communication interfaces are provided no matter which type of mobile terminal is used, deployment of the mobile payment service is easy to realize, and customer experience satisfaction is enhanced.

Description

technical field [0001] The present invention relates to the communication field, in particular to a mobile payment system, a mobile terminal and a method for realizing mobile payment services. Background technique [0002] Mobile payment refers to a commercial transaction between the two parties for a certain commodity or business through mobile phones, PDAs (Personal Digital Assistants, personal digital assistants) and other terminals. Mobile payment is a way that allows users to use a terminal (usually a mobile phone) to pay for the goods or services they consume. Users can recharge and pay, shop online, and bet on lottery tickets anytime, anywhere, and at will. [0003] Mobile payment services can be divided into remote payment and on-site payment. Remote payment refers to the user's long-distance payment behavior based on the terminal and mobile communication network through web pages, SMS, STK (SIM TOOL KIT, user identification application development tool) and other m...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07G1/14H04L29/06H04L29/08
CPCG06Q40/00G06Q20/108H04W12/06G06Q20/3223H04W4/003H04W12/00H04W4/60H04W12/068H04W12/069
Inventor 梁国和
Owner ZTE CORP
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