Intelligent payment system based on PBOC payment network and mobile terminal thereof

Abstract

The invention provides an intelligent payment system based on a PBOC payment network and a mobile terminal thereof, and relates to the technical fields of transaction payment systems and mobile payment. The intelligent payment system overcomes the technical defects that a plurality of China Unionpay solid cards in the prior art are inconvenient to carry, a current phone wallet is inconvenient to use, and the capital safety is poor. The system comprises the mobile terminal, a POS terminal and a virtual card server side. The mobile terminal comprises a main control module, a near-field communication module connected with the main control module, and a virtual card management module arranged in the main control module. At least one virtual card is arranged in the virtual card management module. The POS terminal is connected with the PBOC payment network and used for being matched with the near-field communication module on the mobile terminal for reading related information of the virtual card selected by the virtual card management module, sending an authorization request to the virtual card server side, and receiving payment response returned by the PBOC payment network. The system solves the problem of inconvenience of carrying the China Unionpay solid cards by users, and is convenient and fast to operate and use, money does not need to be saved in advance, the cards do not need to be recharged, capital accumulation is avoided, and capital in all the China Unionpay solid cards is independent, and flexible to use.

Description

technical field [0001] The invention relates to the technical field of transaction payment system and mobile payment. Background technique [0002] In daily life, due to various reasons, people will apply for multiple UnionPay physical cards (such as debit cards, credit cards) of different banks. When going out, they will carry multiple UnionPay physical cards in their wallets, which is inconvenient to carry; If it is stolen or lost, it is necessary to urgently report the loss to all issuing banks of UnionPay physical cards, which is inconvenient to operate. Due to regulatory restrictions, integrating a PBOC UnionPay physical card issued by a bank into a mobile phone application requires a lengthy and costly procedure. [0003] At present, although mobile communication companies or banks have launched services such as mobile wallet transaction payment, the operation process is not convenient. Before swiping the mobile phone for consumption, it is necessary to pre-deposit su...

AI Technical Summary

Problems solved by technology

[0004] In summary, the purpose of the present invention is to solve the inconvenience of carrying multiple existing UnionPay physical cards, the inconvenience of using the current mobile wallet, and the technical deficiencies of poor fund security, and propose a smart payment based on the PBOC payment network System and its mobile terminal

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