NFC (near field communication) mobile terminal and payment method

A mobile terminal and terminal technology, applied in the field of NFC mobile terminal and payment, can solve the problems of information leakage, leakage of user property security, threats, etc., and achieve the effects of improving security, enriching payment methods, and improving payment experience

Inactive Publication Date: 2013-01-02
守望者科技(北京)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

However, there are transaction hidden dangers in the method for settlement by means of the POS terminal, because swiping the bank card on the POS terminal and manually inputting the password corresponding to the bank card will leave t

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  • NFC (near field communication) mobile terminal and payment method
  • NFC (near field communication) mobile terminal and payment method
  • NFC (near field communication) mobile terminal and payment method

Examples

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Example Embodiment

[0019] In view of the problems existing in the prior art, the embodiment of the present invention considers using NFC (Near Field Communication, Near Field Communication or Near Field Communication) technology. It is evolved from the integration of non-RFID (Radio Frequency Identify, radio frequency identification) and interconnection technologies, combining inductive card readers, inductive cards and point-to-point communication functions on a single chip. NFC technology also utilizes wireless frequency electromagnetic induction coupling. NFC technology became the ISO / IECIS 18092 international standard in 2002, and has since been approved as the EMCA-340 standard and the ETSI TS102 190 standard. In a short distance, multiple devices with NFC communication function can identify each other and exchange data. The NFC chip that realizes the NFC communication function can be built in various communication devices, such as built in a mobile communication terminal. The mobile communi...

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Abstract

The invention discloses an NFC (near field communication) mobile terminal and a payment method. The mobile terminal comprises a collection account information receiving module, payment information submitting module, a payment result receiving module and an electronic check payment module. A payment side performs operation of online bank payment such as sending passwords on his own NFC mobile terminal by the aid of an NFC transmission collection account and payable amount, so that card swiping on a terminal of a POS (point of sale) machine with a bank card and manual input of a password corresponding to the bank card on the terminal of the POS machine are avoided, and safety of the password and an account of a user is increased. When the mobile terminal of the payment side cannot pay online in real time since the mobile terminal is offline with a trading system and the like, payment flexibility is increased by providing electronic check payment, and accordingly satisfaction of the payment side and a paid side is increased.

Description

technical field [0001] The invention relates to the field of NFC short-distance communication, in particular to an NFC mobile terminal and a payment method. Background technique [0002] Electronic payment is becoming increasingly popular due to its convenience. Bank cards including bank debit cards and credit cards and third-party payment institutions are playing an increasingly important role in transfer settlement. The user can use the bank card to use the POS (Point Of Sales, point of sale) machine terminal to carry out relatively real-time and accurate settlement, eliminating the trouble of carrying and counting cash on the spot. However, there are transaction hidden dangers in the method for settlement by means of the POS terminal, because swiping the bank card on the POS terminal and manually inputting the password corresponding to the bank card will leave the account number of the bank card on the POS terminal. Password information can easily lead to information lea...

Claims

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Application Information

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IPC IPC(8): G06Q20/32
Inventor 陶吉舜
Owner 守望者科技(北京)有限公司
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