Mobile payment terminal, system and payment method thereof based on NFC (Near Field Communication)

A mobile terminal and mobile payment technology, applied in the field of communication, can solve problems such as payment insecurity, achieve the effect of improving convenience and payment security

Inactive Publication Date: 2013-04-17
NUBIA TECHNOLOGY CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] In order to overcome the problem of unsafe payment in the prior art, the present invention provides a mobile payment terminal, system and payment method thereof, so as to improve the security of payment

Method used

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  • Mobile payment terminal, system and payment method thereof based on NFC (Near Field Communication)
  • Mobile payment terminal, system and payment method thereof based on NFC (Near Field Communication)
  • Mobile payment terminal, system and payment method thereof based on NFC (Near Field Communication)

Examples

Experimental program
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Effect test

Embodiment 1

[0053] Such as figure 1 Shown is a schematic structural diagram of a mobile terminal based on NFC mobile payment provided by an embodiment of the present invention. The mobile terminal includes a sequentially connected biometric feature collection module 110, a processing module 120, and a sending module 130, wherein:

[0054] The biological feature collection module 110 is used to collect the user's biological feature information and record the collection time, and send it to the processing module 120;

[0055] Preferably, the biometric feature of the user includes, but is not limited to, any one or a combination of face, iris, fingerprint and handwriting. Specifically, face information or iris images can be collected by a camera, fingerprints can be collected by a fingerprint recognition sensor, and / or any one or multiple combinations of handwriting can be collected by a handwriting sensor (such as an electromagnetic screen).

[0056] The processing module 120 is used to pr...

Embodiment 2

[0062] Such as figure 2 Shown is a schematic structural diagram of a transaction terminal based on NFC mobile payment provided by an embodiment of the present invention; the transaction terminal includes an NFC module 210, a biometric feature collection module 220, a processing module 230 and a remote communication module 240 connected in sequence, wherein:

[0063] The NFC module 210 is used to read the account number of the user and send it to the biological feature collection module 220 .

[0064] The biological feature collection module 220 is used to collect the user's biological feature information and record the collection time, and send the user account number, biometric information and collection time to the processing module 230;

[0065] Preferably, the biometric feature of the user includes, but is not limited to, any one or a combination of face, iris, fingerprint and handwriting. Any one or combination of face information or iris images may be collected by a ca...

Embodiment 3

[0069] Such as image 3 Shown is a schematic structural diagram of an NFC-based mobile payment system provided by an embodiment of the present invention. The system includes a mobile terminal 10, a transaction terminal 20 and a payment server 30 connected in sequence, wherein:

[0070] The mobile terminal 10 collects the biometric information of the user to generate a user biometric key and records the collection time, and transmits the user account number, the user biometric key and the collection time to the transaction terminal 20 .

[0071] Specifically, the mobile terminal 10 can be a portable terminal such as a mobile phone or a tablet computer, which has a built-in biometric feature collection module 110, a processing module 120, an NFC module 1301, and a short-distance communication module 1302. The technical characteristics of each module are the same as those in Embodiment 1. The same will not be repeated here, and it should be emphasized that the short-distance com...

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Abstract

The invention discloses a terminal, a system and a payment method thereof based on NFC (Near Field Communication) mobile payment. The method comprises the following steps: a mobile terminal or a transaction terminal acquires biological characteristic information of a user to generate an identification key of biological characteristics of the user; the transaction terminal submits transaction information, account and account number of the user and the identification key of biological characteristics of the user to a pavement server terminal to confirm the effectiveness of the transaction. According to the embodiment of the invention, the biological characteristics of the user are used as the unique information for account key identification, so that the payment safety is improved.

Description

technical field [0001] The present invention relates to the fields of communication and finance, in particular to a mobile payment terminal, system and payment method based on NFC (Near Field Communication, near field communication). Background technique [0002] With the gradual improvement of the financial network system and the diversified promotion of transaction methods, mobile payment has gradually been promoted and applied to a certain extent. There are two main forms of mobile payment at present, one is to use a mobile phone number plus a password key, and the other is to realize small payment based on an NFC account number. [0003] Due to the use of mobile phone encryption, the operation is cumbersome, lacks convenience, and the transaction method lacks the common trading habits of people; the simple NFC module mobile payment is easy to be stolen by criminals because of the lack of password keys, or the password keys are too simple , unable to meet the transaction...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32
Inventor 李琳
Owner NUBIA TECHNOLOGY CO LTD
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