Near field payment and payment completion confirming method for NFC (Near Field Communication) functional mobile phone

A feature phone and near-field payment technology, which is applied to record carriers used by machines, computer parts, payments involving neutral parties, etc. The effect of ensuring correctness and reducing input costs

Active Publication Date: 2012-12-05
黄志军
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0010] The purpose of the present invention is to solve the defects of the existing near-field payment and the problem that the authenticity of the payment cannot be confirmed, and use the NFC function mobile phone and the near-field communication (NFC) technology to receive the encrypted payment information of the payment object, and connect the specified payment information through the third-party platform. IP address server online banking system (such as ICBC online payment transaction system), the third-party platform completes the payment information required by the online banking system to realize near-field payment; through the third-party platform and the RF reader of the payment object Encryption completes the verification of payment instructions to confirm the method of completing this payment

Method used

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  • Near field payment and payment completion confirming method for NFC (Near Field Communication) functional mobile phone
  • Near field payment and payment completion confirming method for NFC (Near Field Communication) functional mobile phone
  • Near field payment and payment completion confirming method for NFC (Near Field Communication) functional mobile phone

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0071] Take a mobile phone inserted with a dual-interface SIM card with NFC function as an example (see attached figure 2 ).

[0072] The third-party platform K is the specific third-party software of the mobile phone as an example. The method for near-field payment and confirming the completion of payment in a mobile phone with a dual-interface SIM card with NFC function includes the following steps:

[0073] 1. The microprocessor (MCU) of the mobile phone initializes the insertion of the dual-interface SIM card with NFC function;

[0074] 2. Choose to enter the "near-field payment" mode of the third-party platform K in the mobile phone, and the dual-interface SIM card with NFC function enters the preparation state for receiving information;

[0075] 3. The third-party platform K connects to the online payment system of the designated IP address server (such as the online payment transaction system of the Industrial and Commercial Bank of China) through GPRS or 3G. After th...

Embodiment 2

[0135] Take the SWP-SIM mobile phone, that is, the NFC mobile phone in which the security component (SE) placed in the SIM card is connected to the contactless front-end circuit (CLF) in the mobile phone through the single-wire protocol (SWP) data line (see attached image 3 ).

[0136] SWP-SIM mobile phone means that the mobile phone integrates a non-contact front-end chip (CLF) and antenna, integrates security components into the SIM card, and connects the C6 pin on the contact surface of the SIM card (see attached Figure 4 ) is made as the single-wire protocol SWP data communication pin SWIO.

[0137] The third-party platform K is the third-party software specific to the mobile phone as an example. The method for SWP-SIM mobile phone for near-field payment and confirmation of payment completion includes the following steps:

[0138] 1. The microprocessor (MCU) of the mobile phone initializes the inserted SIM card with the security component (SE) and the contactless front-e...

Embodiment 3

[0203] Take the SWP-MicroSD mobile phone, that is, the security component (SE) placed in the MicroSD card is connected to the NFC mobile phone with the integrated contactless front-end circuit (CLF) and antenna in the mobile phone through the single-wire protocol SWP data line (see attached image 3 ).

[0204] The SWP-MicroSD mobile phone integrates the security element (SE) into the MicroSD card, and adds the 9th and 10th pins on the basis of the existing 8 pins of the MicroSD card (see attached Figure 5 ), the 9th pin is the single wire protocol (SWP) data communication pin SWIO, the 10th pin is the contactless front-end circuit (CLF) in the mobile phone to supply the MicroSD card with the voltage pin SEVCC; the contactless front-end circuit in the mobile phone (CLF) to MicroSD When the 10th pin SEVCC sends out a high level, it means that the 9th pin SWIO of MicroSD is activated, so that the security component (SE) in the MicroSD card can communicate with the front-end con...

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PUM

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Abstract

The invention relates to a near field payment and payment completion confirming method for an NFC (Near Field Communication) functional mobile phone to solve the defect of existing near field payment and the difficulty that payment completion authenticity can not be confirmed. The encrypted payment information of a payment object is received by the NFC functional mobile phone through an NFC technology, a third-party platform is connected with an internet banking system of an appointed IP (Internet Protocol) address server, and the payment information needed by the internet banking system is filled in by the third-party platform so as to realize near field payment; and an encrypted payment completion instruction is verified through the third-party platform and an RF (radio frequency) reader-writer of the payment object so as to confirm the method for completing the payment. According to the technical scheme of the invention, the user account information and the payment password needing secret protection are preserved in the mobile phone of the user, the leak that the user account and payment password information preserved on a POS (point-of-sale) machine in the near field payment mode of the prior art is plugged, and the security of the user account information and fund is greatly improved; and because the internet access function of the mobile phone of the user is fully utilized, the POS machine with a high cost is replaced by the RF reader-writer with a low cost, and the investment cost of hardware used for the near field payment is greatly reduced.

Description

technical field [0001] The invention belongs to the technical field of near-field payment application, in particular to a method for realizing near-field payment and confirming completion of payment by using a mobile phone with NFC function to communicate with an online payment system of a designated IP address server. Background technique [0002] The existing near-field payment method is to read the magnetic stripe information on the bank card through the magnetic stripe reader on the POS machine, and the POS machine uses the Internet to remotely connect to the IP address server system designated by the commercial bank, and the designated IP address server system The information of the bank card is automatically filled into the payment system, so as to realize the payment transfer transaction. Such method has the following defects: [0003] 1. The hardware configuration of the POS machine is the same as that of a smartphone, and the cost is very high; [0004] 2. All the...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/02G06K19/077H04L29/06H04M11/00
Inventor 黄志军
Owner 黄志军
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