Data transmission method and user equipment for mobile near field payment

A user equipment and data transmission technology, applied in the field of electronic information, can solve the problems of lack of data transmission channels, user terminals cannot receive electronic bill information in time, and achieve the effects of short time spent, improved payment experience, and improved operation experience

Inactive Publication Date: 2016-05-18
CHINA UNIONPAY
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

[0004] In addition, due to the lack of fast data transmission channels, after the transaction is completed, the user terminal cannot receive the pushed electronic bill information in time

Method used

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  • Data transmission method and user equipment for mobile near field payment
  • Data transmission method and user equipment for mobile near field payment

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Embodiment Construction

[0030] The following introduces some of the possible embodiments of the present invention, which are intended to provide a basic understanding of the present invention, but are not intended to identify key or decisive elements of the present invention or limit the scope of protection. It is easy to understand that, according to the technical solution of the present invention, those skilled in the art may propose other alternative implementation manners without changing the essence and spirit of the present invention. Therefore, the following specific embodiments and drawings are only exemplary descriptions of the technical solution of the present invention, and should not be regarded as the entirety of the present invention or as a limitation or restriction on the technical solution of the present invention.

[0031] According to one aspect of the present application, a user equipment for mobile near-field payment is provided, including: a security application configured to...

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Abstract

The invention discloses a data transmission method for mobile near field payment executed in user equipment. The data transmission method comprises the steps of: establishing a first communication link based on near field communication with a POS terminal; establishing a secure channel with the POS terminal after the first communication link is established, so as to perform first interaction associated with a transaction request with the POS terminal through the secure channel; establishing a second communication link with the POS terminal, wherein the communication distance of the second communication link is longer and the transmission speed thereof is faster when compared with the first communication link, and the second communication link is set to carry out data transmission in an encrypted manner; and performing second interaction associated with a transaction response between the user equipment and the POS terminal via the second communication link. The invention further discloses the user equipment for mobile near field payment.

Description

technical field [0001] The present invention relates to the field of electronic information technology, in particular to a data transmission method and user equipment for mobile near-field payment. Background technique [0002] Mobile near-field payment refers to payment through other mobile devices such as mobile phones. Mobile devices and merchant POS terminals use NFC, infrared and Bluetooth channels for information exchange. NFC (full name Near Field Communication) is a relatively mature short-distance wireless communication technology. It allows non-contact point-to-point data transmission and exchange data between electronic devices. [0003] At present, in the online transaction process specification, there are two interaction processes between the user terminal and the POS terminal. The first interaction (that is, the transaction request stage) includes: application selection, application initialization, reading application data, and generating dynamic application c...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/20G06Q20/04
CPCG06Q20/20G06Q20/325G06Q20/327G06Q20/047H04B5/00H04B5/02G06Q20/3278G06Q20/206G06Q20/3223G06Q20/382H04L9/0825
Inventor 尹亚伟冯亮刘国宝万四爽
Owner CHINA UNIONPAY
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