Method for implanting PBOC (People's Bank Of China) data processing module into mobile communication terminal

Abstract

The invention discloses a method for implanting a data processing module based on the standard of a PBOC (People's Bank Of China) bank card into a wireless mobile communication terminal. The mobile communication terminal comprises a terminal operational system core module arranged in a CPUT (central processing unit terminal), an API (Application Programming Interface) module of a terminal SDK (Software Development Kit), a terminal application programming module, a driving-layer module, a wireless network transceiving module and a data storage module. According to the method, a PBOC core module, a PBOC application extension module, an API module of a PBOC SDK, a PBOC client application module and a PSAM (Purchase Security Application Module) card interface module of a terminal safety control module, which are based on the standard of the PBOC bank card, are arranged in the wireless mobile communication terminal, so the wireless communication terminal can be used for performing bank transaction under the condition that the safety is guaranteed and the standard specification of PBOC is accorded with.

Description

technical field [0001] The invention relates to a method for integrating an integrated circuit card in a wireless communication terminal, in particular to a method for integrating an integrated circuit card module conforming to a specific industry standard in a mobile communication terminal. Background technique [0002] The bank card standard promoted by the People's Bank of China of the People's Bank of China, referred to as the PBOC standard, is a bank card standard parallel to the Europay, Mastercard and Visa bank card standards referred to as the EMV standard. At present, most of the integrated circuit IC cards based on the PBOC standard realize the banking transaction business through the point of sale terminal of the merchant, referred to as the POS machine, or the automatic teller machine Automated Teller Machine, referred to as the ATM machine. With the popularization of network-based, especially wireless network-based financial business activities, such as onli...

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Problems solved by technology

[0003] The prior art has solved the technology of linking the Internet with wireless mobile communication terminals, but in view of the transaction security requirements of bank cards based on the PBOC standard, there is no method for secure bank transactions through wireless mobile terminals.

In order not to affect the advantages of portability and ease of operation of the wireless mobile communication terminal, the USBKEY security transaction mode used in the wired Internet network in the prior art is difficult to be applied to the wireless communication terminal; and the prior art is implemented in the PBOC standard-based Security transaction measures such as IC card account binding and dynamic passwords are also difficult to use on wireless mobile communication terminals without affecting its operational convenience

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