Payment processing method based on NFC smart card and mobile internet terminal

A mobile interconnection and processing method technology, applied in the payment system, payment system structure, data processing application, etc., can solve the problems of personal information theft, data destruction, inability to meet the needs of users for remote payment, etc., to simplify the payment processing system , the effect of lowering the payment threshold

Inactive Publication Date: 2014-12-10
SHANGHAI SHANGOU INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0009] For example, if a user uses a mobile phone with an analog card function for POS consumption, he still needs to add a POS device, which is usually owned by the merchant. Such a payment system cannot meet the needs of users for remote payment, such as online shopping, transfer and other remote payments. need
[0010] For another example, when a mobile phone uses NFC to pay, it usually encounters security issues such as data destruction, data tampering, data insertion, and third-party insertion attacks that cause the user's personal information to be stolen.

Method used

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  • Payment processing method based on NFC smart card and mobile internet terminal
  • Payment processing method based on NFC smart card and mobile internet terminal
  • Payment processing method based on NFC smart card and mobile internet terminal

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Embodiment Construction

[0055] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar structures in the drawings, and thus their repeated descriptions will be omitted.

[0056] The block diagrams shown in the drawings are merely functional entities and do not necessarily correspond to physically separate entities. That is, these functional entities may be implemented in software, or in one or more integrated circuits, or in different network and / or processor means and / or microcontroller means.

[0057] The term "payment" used in the title of the present invention refers to payment in a broad ...

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Abstract

The invention discloses a payment processing method based on an NFC smart card and a mobile internet terminal. The payment processing method includes that S100, the mobile internet terminal interacts with the NFC smart card to acquire the card information of the NFC smart card and performs interactive verification; after the verification, the mobile internet terminal receives a piece of verification information; S200, mobile internet terminal interacts with the NFC smart card to acquire the payment information; S300, the mobile internet terminal encrypts transaction information including the verification information and payment information; S400, a background system verifies the transaction information encrypted by the mobile internet terminal to complete the payment. By the aid of the mobile internet terminal and the payment processing method, the speed of data processing can be increased, and the safety of the payment can be guaranteed.

Description

technical field [0001] The present invention relates to an information processing system based on a computer network, especially a transaction processing system for specific transactions, in particular to a payment processing method based on an NFC smart card and a mobile internet terminal for payment. Background technique [0002] With the continuous improvement of people's living standards, credit card consumption has become an indispensable way of life in people's daily life. Not only the credit card consumption in shopping malls and restaurants, but even people's usual online shopping, because of security reasons, more and more people begin to choose to pay by credit card. Under this background, a personal mobile POS terminal (mobile POS, mPOS) was conceived. Such as figure 1 In the mPOS terminal-based payment processing system 100 shown, when the user connects the mPOS terminal 120 to the smart device 130, he can use the connected mPOS terminal 120 to swipe the card w...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q20/32G06Q20/40G06Q20/20
CPCG06Q20/352G06Q20/20G06Q20/3278G06Q20/3823G06Q20/401
Inventor 沐悦
Owner SHANGHAI SHANGOU INFORMATION TECH CO LTD
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