Integrated circuit (IC) card-based payment method, management device, server and mobile terminal

A technology for managing servers and mobile terminals, applied in the field of electronic payment, can solve problems such as being difficult to handle, and achieve the effect of facilitating life

Inactive Publication Date: 2011-07-06
BOCO INTER TELECOM
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Therefore, it is difficult for the elderly or users who are not familiar with computer operations to perform the above-mentioned processing

Method used

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  • Integrated circuit (IC) card-based payment method, management device, server and mobile terminal
  • Integrated circuit (IC) card-based payment method, management device, server and mobile terminal
  • Integrated circuit (IC) card-based payment method, management device, server and mobile terminal

Examples

Experimental program
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Embodiment Construction

[0056] In order to make the above objects, features and advantages of the present invention more comprehensible, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0057] The payment method based on the IC card of the present invention fully complies with the communication protocol and technical specifications of the construction enterprise card and the financial industry standard, through the wireless data channel of the mobile operator, adopts a professional security protocol and an encryption protocol, and realizes the built-in IC card electronic wallet. Two-way data transmission among mobile terminal, payment management device, merchant server, and IC card electronic wallet management server completes off-site electronic payment transactions for commodity consumers.

[0058] Combine below Figure 1 ~ Figure 4 , specifically explain the specific implementation process of the IC card-based...

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Abstract

The invention provides an integrated circuit (IC) card-based payment method, a management device, a management server and a mobile terminal. The IC card-based payment method comprises the following steps of: receiving a payment request from a merchant server; generating a deduction request according to the payment request, and transmitting the deduction request to an IC card electronic wallet management server; receiving and storing deduction confirmation information generated after recording corresponding details of the deduction request by the IC card electronic wallet management server; generating a deduction instruction according to the deduction confirmation information, and transmitting the deduction instruction to the mobile terminal; receiving transaction prompting information generated after deduction from an IC card electronic wallet according to the deduction instruction from the mobile terminal, and storing the historic payment records of the IC electronic wallet; and generating transaction success information according to the transaction prompting information, and transmitting the transaction success information to the merchant server and the mobile terminal. By the IC card-based payment method, a consumer can perform various off-site payment transactions anytime anywhere, and great convenience is brought to the life of the consumer.

Description

technical field [0001] The present invention relates to the technical field of electronic payment, in particular to a payment method based on an IC card, a payment management device, a payment management server and a mobile terminal. Background technique [0002] With the rapid development of electronic technology and wireless communication technology, IC card (Integrated Circuit Card), as one of the hot products in the international electronic information industry Identification and other fields have been widely used. [0003] Take the current city card in various cities in China as an example, such as Octopus in Hong Kong, Shenzhen Tong in Shenzhen, Yangchengtong in Guangzhou, and One Card in Beijing, etc., mainly use radio frequency identification IC cards. A radio frequency identification IC card is an IC card that uses electromagnetic waves and non-contact to communicate with a terminal. When using the above radio frequency identification IC card for payment transacti...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00G07F7/08
Inventor 李鹏飞赵刚任志军
Owner BOCO INTER TELECOM
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