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Method and device for carrying out payment by using mobile terminal

A mobile terminal, virtual account technology, applied in payment architecture, data processing applications, instruments, etc., can solve the problems of illegal copying or stealing of payment account information, occupying storage space of secure elements, etc., to achieve a good user experience, reduce trouble, Avoid the effect of being illegally obtained

Inactive Publication Date: 2016-05-18
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

During the payment process of this payment method, the payment account information is easily copied or stolen illegally.
Sensitive data can be protected by storing information about payment accounts and related APPs in the secure element, however, the relevant APP is downloaded to the secure element such as a SIM card or SD card through Trusted Service Management (TSM) and stored in it. Running will require more storage space on the secure element

Method used

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  • Method and device for carrying out payment by using mobile terminal

Examples

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Embodiment Construction

[0022] Hereinafter, the principle and gist of the present invention will be described with reference to the embodiments. It should be understood that the given examples are only for those skilled in the art to better understand the present invention and further practice the present invention, rather than to limit the scope of the present invention. For example, features illustrated or described as part of one embodiment can be used with another embodiment to yield yet a further embodiment. In the interest of clarity, not all features of an actual implementation are described in this specification. Clearly, it will be appreciated that in actual development of any such embodiment, the implementation will vary in order to achieve the developer's specific goals, such as compliance with system-related constraints and business-related constraints.

[0023] figure 1 A method for making payment using a mobile terminal according to an embodiment of the present invention is shown. Su...

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Abstract

The invention provides a method for carrying out payment by using a mobile terminal. The method comprises the steps of sending payment account information to a background, receiving virtual account information corresponding to the payment account information from the background, and writing the virtual account information into a smart card separated from the mobile terminal via short-distance wireless communication, so that the smart card can carry out payment by using a virtual account.

Description

technical field [0001] Embodiments of the present invention relate to mobile payment, and relate to a payment method and device using a mobile terminal. Background technique [0002] Busy consumers can now effectively manage their finances, such as bank account balances, or perform financial transactions quickly, such as paying bills, shopping at the mall, and Purchase merchandise. [0003] The APP application set on the mobile terminal further simplifies the payment process. Consumers associate various personal properties, such as debit cards, credit cards, and industry cards, with the APP. By means of a near field communication (NFC) system such as a mobile terminal, the APP transfers payment account information such as credit card information to a point-of-sale terminal (POS) that is also equipped with an NFC compatible system to complete the payment operation. During the payment process of this payment method, the payment account information is easily copied or stolen...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/34
CPCG06Q20/327G06Q20/352G06Q20/326G06Q20/3278
Inventor 褚红梅郑建宾吕旭峰冯晓
Owner CHINA UNIONPAY
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