Payment mode selection method and mobile terminal

A mobile terminal and payment method technology, applied in the field of communication, can solve problems such as payment transaction confusion, transaction failure, transaction logic error, etc., and achieve the effect of strong active selectivity and guaranteed transaction logic

CN105405009AInactive Publication Date: 2016-03-16YULONG COMPUTER TELECOMM SCI (SHENZHEN) CO LTD
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Publication Date
2016-03-16
Estimated Expiration
Not applicable · inactive patent

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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.
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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 ...

Examples

Embodiment Construction

[0020] Embodiments of the present invention provide a method for selecting a payment method and a mobile terminal, in order to select a payment account corresponding to a payment module in the mobile terminal for mobile payment transactions, ensure the transaction logic, and make the transaction go smoothly.

[0021] In order to enable those skilled in the art to better understand the solutions of the present invention, the following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only It is an embodiment of a part of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts shall fall within the protection scope of the present invention.

[0022] The terms "firs...