A method and system for loading financial IC card in the air embedded in a mobile terminal
A technology of air transfer and mobile terminal, which is applied in the fields of IC card, finance and mobile payment to achieve high security effect
Inactive Publication Date: 2016-08-31
BEIJING WATCH DATA SYST
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Problems solved by technology
The method and system can solve the problem of loading the financial IC card embedded in the mobile terminal without adding or modifying any existing systems and services of the bank. It eliminates any modification and upgrade of the original system by the bank, and at the same time ensures the high security of financial IC card transactions
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[0027] The present invention will be further described below in conjunction with the accompanying drawings and specific embodiments.
[0028] Such as figure 1 As shown, a kind of financial IC card air transfer system embedded in a mobile terminal according to the present invention includes the following devices:
[0029] Embedded in the contactless payment financial IC card and its STK application unit used in mobile terminals: used to initiate an air transfer request from the STK menu, verify the response data of the issuing bank in the loading response, and authenticate the script of the issuing bank;
[0030] SMS center platform: provide wireless air network to complete the receiving and forwarding of SMS;
[0031] Over-the-air loading server: connect to the banking system through a POS (Point Of Sale) terminal, receive requests from card terminals, interact with the banking system to complete business processing, and complete check-in, check-out, loading and correction op...
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The invention relates to a method and a system for loading-in-air of a financial IC card embedded into a mobile terminal, and belongs to the field of mobile payment. According to the method of the invention, an existing system for banks is accessed in a POS terminal mode; a PIN transcryption protection key and a communication message MAC computing key in the loading-in-air process are acquired in a way in which a loading-in-air server and a short message center platform sign in and out of the existing banking system; and signing-in and signing-out are performed regularly to enable a working key to be dynamically updated at each signing-in. By adopting the method and the system of the invention, loading of a financial IC card embedded into a mobile terminal can be realized without adding or changing the existing system and services of banks, dependence on implantation and transformation of the mobile terminal is removed, the existing system for banks does not need to be transformed and updated, and high safety of financial IC card transactions is ensured.
Description
technical field [0001] The invention belongs to the fields of mobile payment, IC card and finance, and in particular relates to a method and system for air loading of a financial IC card embedded in a mobile terminal. Background technique [0002] In recent years, mobile payment has developed rapidly, and several mobile payment products and air loading systems have appeared on the market. Mobile payment, also known as mobile payment, is a service method that allows users to use their mobile terminals (usually mobile phones) to pay for the goods or services they consume. Units or individuals directly or indirectly send payment instructions to banking and financial institutions through mobile devices, the Internet or proximity sensing to generate currency payment and fund transfer behaviors, thereby realizing the mobile payment function. Mobile payment integrates terminal equipment, the Internet, application providers, and financial institutions to provide users with financia...
Claims
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IPC IPC(8): G07G1/00
Inventor 赵敏
Owner BEIJING WATCH DATA SYST