Payment mode selection method and mobile terminal

Abstract

The embodiment of the invention discloses a payment mode selection method and a mobile terminal. The payment mode selection method comprises steps: if the number of activated mobile payment models in a terminal is detected to be more than one, whether default payment account information is stored in an embedded safety module is judged, wherein the default payment account information is the information of a payment account corresponding to one module in the mobile payment models; if the default payment account information is not stored in the embedded safety module, a payment mode selection prompt is given to enable the user to select a default payment account; and according to the default payment account selected by the user, default payment account information is generated and stored in the embedded safety module. Thus, when the number of the activated payment models is more than one, the user actively selects one payment module for payment, correct transaction logic can be ensured, smooth transaction can be carried out, and active selectivity on the payment accounts by the user during the transaction process is stronger.

Description

technical field [0001] The invention relates to the communication field, in particular to a payment method selection method and a mobile terminal. Background technique [0002] Mobile payment refers to a way for users to use mobile payment terminals such as mobile phones to pay for the goods or services they consume. Users send payment instructions to banks and financial institutions directly or indirectly through mobile devices, the Internet or proximity sensors to generate currency payments. And funds transfer behavior, so as to realize the mobile payment function. At present, the mobile payment technologies mainly used in the world are divided into: Near Field Communication (NFC for short) and mobile phone card reading system (Subscriber Identity Module PASS, SIMPASS for short). [0003] The frequency of the communication channel used by different payment technologies is different. For example, SIMPASS technology is 2.4GHz and NFC technology is 13.56MHz. Therefore, when ...

AI Technical Summary

Problems solved by technology

[0003] The frequency of the communication channel used by different payment technologies is different. For example, SIMPASS technology is 2.4GHz and NFC technology is 13.56MHz. Therefore, when multiple mobile payment technologies are configured in communication terminals such as mobile phones, Will lead to payment transaction confusion

For example, when SIMPASS and NFC payment modules are configured in the mobile phone at the same time, when the user uses the mobile phone to conduct mobile payment transactions with the point of sale (POS machine for short), the POS machine with dual probes of 2.4GHz and 13.56MHz will The electromagnetic fields of these two frequencies will be sent at the same time, thereby activating the SIMPASS and NFC payment modules in the mobile phone at the same time. At present, there is no corresponding payment scheme for selecting a payment module from these two payment modules, which leads to transaction logic errors. ,transaction failed

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