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A smart phone and near-field payment technology, applied in near-field transmission systems, telephone communications, instruments, etc., can solve the problems that users are difficult to accept and cannot realize convenient payment.
Active Publication Date: 2011-11-23
SHANGHAI HUASHEN INTELLIGENT IC CARD APPL SYST
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Problems solved by technology
[0005] Second, it is difficult for users to accept the addition of NFC identification devices to existing ordinary smartphones.
Embed the NFC chip in the mobile phone card (SIM card or UIM card), and the smart phone user needs to replace a new mobile phone card; with an external antenna, when using a mobile phone for payment, an external antenna must be connected, which cannot realize convenient payment ; Using the built-in antenna, the smartphone needs to be modified
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Embodiment 1
[0039] like figure 1 As shown, a smart phone near-field payment method includes the following steps:
[0040] S1, installing near-field communication transaction software on the body memory card of the smartphone;
[0041]S2, download the digital certificate of the bank card to the smart storage card with encryption algorithm matching the digital certificate, and replace the smart storage described in step S1 in the storage card slot of the smart phone with wireless communication function Card;
[0042] S3, start the near-field communication transaction software, and check whether the smart memory card is correctly installed in the memory card slot of the smart phone;
[0043] S4, if the smart memory card in step S3 is not installed correctly, continue to step S3, if the smart memory card is installed correctly, check whether the digital certificate in step S2 matches;
[0044] S5, if the digital certificate in step S2 does not match, continue to step S4, if the digital cer...
Embodiment 2
[0063] like figure 2 As shown, a smart phone near-field payment method of the present invention comprises the following steps:
[0064] S1, download the digital certificate of the bank card to the smart storage card with encryption algorithm that matches the digital certificate, and install the near field communication transaction software on the smart storage card, and transfer the wireless communication function to the smart storage card. Replace and install the smart memory card described in the memory card slot of the smart phone;
[0065] S2, start the near-field communication transaction software, and check whether the digital certificate in step S1 matches;
[0066] S3, if the digital certificate in step S1 does not match, continue to step S2, if the digital certificate in step S1 matches, turn on the wireless communication function of the smart phone, and send a handshake signal to the POS terminal;
[0067] S4, if the handshake signal in step S3 is unsuccessful, pr...
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Abstract
The invention discloses a near field payment method for a smart phone. The scheme is that: the phone without a near field communication (NFC) chip and a smart memory card with an encryption algorithm are adopted, a digital certificate of a bank card is downloaded into the smart memory card matched with the digital certificate as a payment voucher, the smart memory card is inserted into the smart phone, and near field communication trading software is installed in a memory of a body of the smart phone or in the smart memory card. The smart phone is held close to a point of sale (POS) terminal,performs near field communication with the POS terminal by utilizing own wireless communication technology of the phone and obtains bank card operation authority by authenticating the digital certificate, and a trading amount is displayed on the POS terminal and the phone. The near field communication trading software in the smart phone realizes mobile payment. In the method, the use of the NFC chip is avoided and an NFC antenna is not required to be arranged or modified in the smart phone. When NFC mobile phones are not popularized in China, the method can be used as a transitional scheme for the near field payment of the phone.
Description
technical field [0001] The invention relates to a near-field payment method for a smart phone. Background technique [0002] Mobile payment is a service method in which users use mobile terminal devices to pay for the goods or services they consume. The mobile terminal device usually refers to a mobile phone. At present, the mobile phone near-field payment method is mainly based on the short-range wireless communication technology (ie, NFC, Near Field Communication) to complete the account payment. The method for realizing mobile phone payment based on short-distance wireless communication technology can support various functions such as electronic payment and data downloading. There are two technical solutions for mobile payment based on short-range wireless communication technology. The first is to directly use a mobile phone with an NFC chip; the second is to install an identification device on a smartphone without an NFC chip. Wherein, the identification device is an ...
Claims
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Application Information
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