Mobile long-distance payment system

Abstract

The invention discloses a mobile long-distance payment system, which comprises a mobile terminal, an SIM (subscriber identity module), a background service system and a third-party business extension module, wherein the third-party business extension module positioned between the mobile terminal and the SIM is used for transparently transmitting data which are transmitted from the SIM to the mobile terminal, and receiving commands transmitted by the mobile terminal, if the commands relate to the third-party business, the commands are transmitted to the mobile terminal after processing of the third-party business, otherwise, the commands are transparently transmitted; the mobile terminal is used for transmitting information received from the third-party business extension module and related to the third-party business, and transmitting information received from the background service system and related to the third-party business; and the background service system is used for receiving information transmitted by the mobile terminal and related to the third-party business and feeding back the information to the mobile terminal after the information is processed. By the aid of the scheme, mobile payment is fine in interactivity, and a payment process is safer.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a mobile remote payment system based on a third-party service expansion module. Background technique [0002] Mobile payment, also known as mobile payment, is a service method that allows users to use their mobile terminals (usually mobile phones) to pay for the goods or services they consume. Mobile payment is mainly divided into two types: near-field payment and remote payment. The so-called near-field payment is to use the mobile phone to swipe the card, such as taking a car, shopping, etc., which is very convenient; the so-called remote payment is to use the mobile phone to handle banking or financial services. [0003] There are many types of mobile phones, which can be divided into smart phones and non-smart phones according to different operating systems; according to the supported network standards, they can be divided into GSM mobile phones, CDMA mobile phones and 3G mobile...

AI Technical Summary

Problems solved by technology

[0006] 1. Poor user interaction: users need to edit text messages in a specific format and send them to the special SMS service number of the financial institution, and the financial institution will send the processing results to the user by text message. For users, they need to remember the format of the text message and the financial institution's SMS special service number is more difficult

In response to this situation, the industry generally adopts the STK (SIM ToolKit) method to realize the menu operation of mobile banking. However, since the SIM card is provided and maintained by the telecom operator, it is difficult for general financial institutions to add mobile banking applications to the telecom operator. on the SIM card;

[0007] 2. The security is relatively low: the short messages sent by the user are all sent in plain text, and the results are also returned in plain text. For the mobile phone network, the information of the transaction process is completely visible; at the same time, the sent text messages and received text messages It is generally saved in the mobile phone. When the mobile phone is lost, etc., the possibility of these sensitive information being leaked is very high.

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