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Mobile phone payment client, payment platform, and offline consumption method and system

A mobile payment and payment platform technology, applied in the field of mobile communication, can solve the problems of being stolen, and unable to obtain the notification of the loss of the mobile wallet from the platform in time, so as to achieve the effect of improving security.

Active Publication Date: 2012-07-04
CHINA TELECOM CORP LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, when the mobile phone is lost, even if the user reports the loss of the mobile wallet on the platform, since the mobile RFID micropayment is an offline transaction, the POS machine does not need to be connected to the Internet, so the notification of the loss of the mobile wallet cannot be obtained from the platform in time
In this way, the money in the mobile wallet (RFID micropayment application amount storage area) cannot be frozen or processed accordingly, and the mobile phone that is reported lost can still be consumed, and there is a possibility that it will be stolen, and the user's property loss cannot be avoided

Method used

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  • Mobile phone payment client, payment platform, and offline consumption method and system
  • Mobile phone payment client, payment platform, and offline consumption method and system
  • Mobile phone payment client, payment platform, and offline consumption method and system

Examples

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Embodiment Construction

[0025] The invention will be described in more detail hereinafter with reference to the accompanying drawings, in which exemplary embodiments of the invention are illustrated. In the drawings, the same reference numerals denote the same or similar components or elements.

[0026] figure 1 It is a schematic diagram of an application scenario 100 according to an embodiment of the present invention. The application scenario 100 includes: a payment platform 102 , a mobile terminal 104 and a POS machine 106 .

[0027] In order to realize the mobile terminal payment service, the mobile terminal 104, such as a mobile phone, a PDA (Personal Digital Assistant, personal digital assistant), etc., can be installed with a mobile payment client. The mobile payment client can be based on any platform, such as JAVA, SIM (Subscriber Identity Module, Subscriber Identity Module) card application program mode, Windows Mobile, Brew, etc. The installation method can also be online installation, ...

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PUM

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Abstract

The invention provides a mobile phone payment client, a payment platform, and an offline consumption method and system and relates to the field of mobile communication, wherein the offline consumption method for a mobile terminal with an RFID (Radio Frequency Identification) module comprises the following steps that: the mobile phone payment client receives login of a user by inputting a user name and a password; the mobile phone payment client deducts relative amount in an electronic wallet account of the mobile phone payment client according to input consumed amount after the user successfully logs in; the mobile phone payment client writes the deducted relative amount into an RFID amount storage area; and the RFID amount storage area receives the deducted amount so as to finish the payment. According to the invention, the safety of small-amount payment of the user on the mobile terminal can be improved.

Description

technical field [0001] The invention relates to the field of mobile communication, in particular to a mobile phone payment client, a payment platform, an offline consumption method and system. Background technique [0002] The existing RFID (Radio Frequency Identification, Radio Frequency Identification) mobile phone micropayment system generally includes three main parts: a mobile payment platform, a micropayment RFID mobile phone and a POS (Point of Sale, sales terminal) machine. [0003] The existing offline small-amount mobile payment uses a completely offline consumption method. When the user deposits money into his mobile wallet account through the mobile payment account, the recharge amount is directly written into the micropayment application amount storage area of ​​the mobile phone RFID, that is, the mobile wallet account amount is permanently stored in the RFID micropayment of the mobile phone. Applied in the amount store. When consuming, the POS machine does no...

Claims

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Application Information

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IPC IPC(8): G07F19/00H04L29/06
Inventor 李辉遒钟平朱裕江许红谢绿禹刘军吴晔陈钦张琳蔡紫玉张翅翔郭金梅徐朗邹耀辉
Owner CHINA TELECOM CORP LTD
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