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A method for financial IC card to realize transaction on mobile terminal with NFC module

A mobile terminal and transaction technology, which is applied in the field of wireless communication, can solve the problems of financial IC card application transaction troubles and low degree of freedom, and achieve the effect of breaking through time and space constraints, increasing security, and simplifying the process

Active Publication Date: 2018-04-27
中国农业银行股份有限公司福建省分行
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

It is troublesome for users to conduct financial IC card industry application transactions, and the degree of freedom is low

Method used

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  • A method for financial IC card to realize transaction on mobile terminal with NFC module

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Embodiment Construction

[0029] Such as figure 1 As shown, a method for financial IC card to realize transactions on a mobile terminal with an NFC module, the method includes a bank background transaction server, a mobile terminal application program, an NFC module driver loaded by the mobile terminal, and a bank security system that provides a security authentication short message server. The NFC module driver is loaded in the mobile terminal application program to read and write the financial IC card; the mobile terminal application program is connected with the bank background transaction server to realize transaction data transmission; the mobile terminal The application program is connected with the bank security server to realize the transmission of security authentication information; the bank background transaction server provides the transaction interface for the mobile terminal application program and realizes the transaction function; the bank security server provides the mobile terminal ap...

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Abstract

The invention discloses a method for implementing transaction of a financial IC card on a mobile terminal with an NFC module. The method adopts a bank background transaction server, a mobile terminal application program, an NFC module driving program loaded to the mobile terminal and a bank security server for providing security certificate short message; a user initiates the transaction in an application program on the mobile terminal device with the NFC module and the next step of transaction is judged according to the service process; and A and I message identifiers are adopted to control the transaction process. If the read-write operation of an IC card is required, the NFC module driving program on the mobile terminal is called, transaction information is packed into message beginning with A and the message is used as an incoming parameter; and if account treatment is required, bank message is sent to the bank background transaction server after being encrypted by an application program. According to the method, the mobile terminal is utilized to carry out transaction on the financial IC card; the flow is simple; the user does not need to go to a bank outlet to handle the business; and limitation to time and space is broken through. The transaction implementing method provided by the present invention is suitable to application in different industries.

Description

【Technical field】 [0001] The invention relates to the technical field of wireless communication, in particular to a method for realizing transactions by a financial IC card on a mobile terminal with an NFC module. 【Background technique】 [0002] Financial IC cards are widely used in public transportation, schools, prisons and other industries, and the transaction methods mainly include checking balance, recharging, replenishing value, activation, etc. The reading and writing of financial IC cards requires the card to be placed close to the surface of the card reader, and the data is transmitted through radio waves to complete the reading and writing of the card. At present, most transactions in the financial IC card industry are handled at bank counters and self-service terminals. It is troublesome for users to conduct financial IC card industry application transactions, and the degree of freedom is low. [0003] In recent years, the application of smart mobile terminals h...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/32G06Q20/34
CPCG06Q20/325G06Q20/341
Inventor 邱振生黄秋华陈航吴雷詹天庆魏诗辉周胜平陈顶王煚翁云榕陈炜郑俊锋马进麻东亮
Owner 中国农业银行股份有限公司福建省分行
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