HCE-based mobile payment method, device and mobile terminal
A mobile payment and mobile terminal technology, applied in the field of communication, can solve problems such as unfavorable user experience, hidden dangers of mobile payment security, easy to be tracked and tampered with, and achieve a safe and reliable payment environment, prevent tracking and tampering, and improve user experience.
Inactive Publication Date: 2016-06-01
YULONG COMPUTER TELECOMM SCI (SHENZHEN) CO LTD
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Problems solved by technology
[0004] However, the above-mentioned HCE-based mobile payment scheme has the following defects: (1) The HCE-based cloud payment technology solution requires real-time networking to perform mobile payment, and will not be able to perform mobile payment normally without a network; (2) Based on the HCE front-end payment technology solution, the key system is stored in the APP in the mobile terminal, which is easy to be tracked and tampered with, which brings great hidden dangers to the security of mobile payment and is not conducive to user experience
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[0033] In order to have a clearer understanding of the above objects, features and advantages of the present invention, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be noted that, in the case of no conflict, the embodiments of the present application and the features in the embodiments can be combined with each other.
[0034] In the following description, many specific details are set forth in order to fully understand the present invention. However, the present invention can also be implemented in other ways different from those described here. Therefore, the protection scope of the present invention is not limited by the specific details disclosed below. EXAMPLE LIMITATIONS.
[0035] figure 1 A schematic flow diagram of an HCE-based mobile payment method according to an embodiment of the present invention is shown.
[0036] Such as figure 1 As shown, the HCE-based mobile ...
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The invention provides an HCE-based mobile payment method, an HCE-based mobile payment device and a mobile terminal. The HCE-based mobile payment method includes the following steps that: a communication connection between the mobile terminal and a current settlement terminal is established, and a user is prompted to enter payment authentication information; the received payment authentication information is encrypted, and the encrypted payment authentication information is sent to the trusted domain of the mobile terminal; and the encrypted payment authentication information is authenticated through a key authentication system in the trusted domain, and whether mobile payment is carried out according to an authentication result is determined. According to the technical schemes of the invention, the HCE-based mobile payment scheme key system is stored in the trusted domain of the mobile terminal, and the key system in the trusted domain can be called to confirm the payment authentication information in payment, and therefore, the key system can be effectively prevented from being tracked and tampering, and therefore, a safe and reliable payment environment can be provided, and at the same time, HCE-based mobile payment can be carried out normally in an offline manner, and user experience can be enhanced.
Description
technical field [0001] The present invention relates to the technical field of communication, and in particular, relates to an HCE-based mobile payment method, an HCE-based mobile payment device and a mobile terminal. Background technique [0002] As mobile payment becomes more and more popular in life, the payment scheme based on HCE (Host-based Card Emulation, host-based card emulation) technology is also set by Google as the default support method for mobile payment on the Android platform in the Android 5.0 operating system. And VISA, Bankinter, Privatbank and other banks have also begun to support the use of HCE technology for mobile payment, and the security of HCE technology has become more and more important. [0003] At present, the existing HCE-based mobile payment solutions include: (1) HCE-based cloud payment technology solutions, which provide security guarantees for HCE-based mobile payments through the key system of cloud technology; (2) HCE-based front-end pa...
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Login to View More IPC IPC(8): G06Q20/20G06Q20/32G06Q20/38G06Q20/40
CPCG06Q20/204G06Q20/327G06Q20/3829G06Q20/4014G06Q20/00H04W4/14
Inventor 周文容
Owner YULONG COMPUTER TELECOMM SCI (SHENZHEN) CO LTD