A mobile payment system and mobile payment method based on wireless communication

Abstract

The invention relates to a wireless communication-based mobile payment system and a mobile payment method. The system comprises a wireless module, a control module, a safe intelligent module, a power module, a NFC (Near Field Communication) antenna and an intelligent terminal, wherein the wireless module and the intelligent terminal are connected in a wireless mode; the wireless module and the control module are connected; the control module and the safe intelligent module are connected; the safe intelligent module and the NFC antenna are connected; and the power module provides power for the wireless module, the control module and the safe intelligent module. A far-distance wireless connection, a middle-distance connection and a near-distance connection are respectively built and formed between a remote operator background system and the intelligent terminal, between the intelligent terminal and the mobile payment system, and between the mobile payment system and an NFC consumption terminal, a channel from a point (personal mobile payment consumption) to a system (operator background system) is opened, and the wireless mobile payment function is realized; and credit-card consumption can be realized in the condition where no external power supply exists or an internal battery is out of power, and practicality is facilitated.

Description

technical field [0001] The invention relates to the technical field of wireless communication, in particular to a mobile payment system and a mobile payment method based on wireless communication. Background technique [0002] NFC (Near field communication) is near-field communication. It mainly uses a carrier with a center frequency of 13.56MHz. The data communication conforms to the ISO14443 protocol. It can perform point-to-point data interaction between two products that also use this technology. Mobile payment is an application that has been gradually developed in recent years by using this technology. It is mainly used in the field of mobile micropayment, such as public transportation and consumption. The mobile payment function of the operator is mainly implemented in the form of a SIM card with an NFC antenna. When swiping the card, due to the influence of the structure of the mobile phone, the metal around the card, and the relative position to the battery, the effe...

AI Technical Summary

Problems solved by technology

The mobile payment function of the operator is mainly implemented in the form of a SIM card with an NFC antenna. When swiping the card, due to the influence of the structure of the mobile phone, the metal around the card, and the relative position to the battery, the effect of swiping the card will be reduced, or even the card cannot be swiped. Compatibility is limited, which brings a lot of inconvenience to its application

Card-type NFC mobile payment applications such as bus cards are easy to be lost and broken. When recharging, you need to go to a designated place to handle it, and you cannot perform recharging, inquiries and other services anytime and anywhere, which brings a lot of inconvenience to customers.

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