Device, system, and method for mobile convergence payment

Abstract

The invention relates to a device, a system, and a method for mobile convergence payment. The device comprises a MCU module, a safety module, a communication module, an NFC module, an input module, a display module, and a power management module. The safety module, the communication module, the NFC module, the input module, the display module, and the power management module are connected with the MCU module. The NFC module is connected with the safety module. The communication module at least comprises two kinds of communication channels. The device is provided with a plurality of safety submodules, and can effectively protect user transaction safety through implementing a safety payment transaction method, an electronic authentication method, and a plurality of safety data transmission methods. The device, the system, and the method are suitable to be used for online banking service, mobile banking service, industry IC card recharging service, IC card card-present payment service, and near-field payment service, and other applications. The device can be used offline, and can also be used online, and effectively gets through online and offline payment, realizes transaction closed loop. The device, the system, and the method can be used for various kinds of payment application scenarios.

Description

technical field [0001] The present invention relates to the field of electronic technology, in particular to a mobile fusion payment device, system and payment method. Background technique [0002] With the development of mobile payment, more and more products provide rich means and methods of payment. Payment with card, such as: APPLE PAY, UnionPay miniPAY, financial IC card, full terminal, NFC-SIM, NFC-SD, etc.; payment without card, such as: Alipay, WeChat payment, audio KEY, USB KEY, Bluetooth KEY, etc.; mobile Payment products and applications emerge in an endless stream, greatly enriching user payment options and continuously improving user experience. [0003] The continuous emergence of new products, while bringing convenience to users, also brings complexity in payment options. Generally, different payment methods need to be used in different application scenarios. For example, mobile devices such as mobile phones need to be used together for scanning QR code paym...

AI Technical Summary

Problems solved by technology

Due to the openness of mobile device systems such as mobile phones, or the lack of security of the system, criminals use some illegal means such as Trojan horse programs and hacking programs to obtain user account or password information, and use the method of making fake cards or fake transactions to carry out fraudulent brushing , resulting in damage to the interests of users and a serious threat to financial security

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