Payment processing method based on NFC (Near Field Communication) intelligent card and payment processing system based on NFC intelligent card

Abstract

The invention provides a payment processing method based on an NFC (Near Field Communication) intelligent card and a payment processing system based on the NFC intelligent card. The system comprises a user terminal and a background system. The payment processing method is used for processing a payment request corresponding to a transaction. The user terminal comprises a reader-writer, an operation interface and a communication module; the background system comprises an operation procedure module and a security module. The method comprises the steps: a, the user terminal acquires intelligent card information of the NFC intelligent card; b, the user terminal and the background system perform information transfer; c, the background system encrypts the transferred information; d, the background system finishes the transaction. The invention further provides a payment processing system. The reader-writer, the operation interface and the communication module are positioned in the user terminal, and the operation procedure module and the security module are positioned in the background system, so that, modules of the user terminal are reduced to minimum; the operation procedure module and the security module are positioned in the background system, so that unified maintenance management can be performed conveniently, and the security of a user transaction process is ensured.

Description

technical field [0001] The invention relates to an information processing system based on a computer network, in particular to a transaction processing system for specific transactions, in particular to a payment processing method and system based on an NFC smart card. Background technique [0002] With the continuous development of high technology and the continuous improvement of people's living standards, credit card consumption has become an important way in people's transactions. Before the emergence of NFC smart cards, people generally used traditional magnetic stripe cards, and the POS machine structure corresponding to traditional magnetic stripe cards is just like figure 1 As shown, a general POS terminal is mainly composed of five parts: reader module, operation interface module, operation process module, security module and communication module, and the security of the terminal is guaranteed by the terminal security module. The operation interface is mainly used ...

AI Technical Summary

Problems solved by technology

Although this payment technology has high individual adaptability, if it needs to be used, it must be replaced with a special terminal, which brings inconvenience to users and leads to low user experience.

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