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Mobile payment method, system and device

A mobile payment and payment request technology, applied in payment systems, payment architectures, instruments, etc., can solve problems affecting user experience and other issues

Inactive Publication Date: 2016-07-06
CHINA TELECOM CORP LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The above-mentioned mobile payment mode has relatively high requirements on NFC user terminals, and needs to rely on security modules such as NFCSWP cards and NFCSD (secure digital) cards and dedicated clients. For ordinary NFC user terminals, it is necessary to replace the SIM card to realize mobile payment, which affects users. to experience

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  • Mobile payment method, system and device
  • Mobile payment method, system and device
  • Mobile payment method, system and device

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Embodiment Construction

[0027] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. The following description of at least one exemplary embodiment is merely illustrative in nature and in no way taken as limiting the invention, its application or uses. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0028] figure 1 It is a schematic diagram of the principle of the mobile payment deployment solution of the present invention. Such as figure 1 As shown, it includes a mobile payment server, an NFC sales terminal and an NFC user terminal. The mobile payment server is a third-party mobile payment p...

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Abstract

The invention discloses a mobile payment method, system and device, relating to the mobile payment technical field. The invention provides a new mobile payment mode. An NFC (Near Field Communication) POS supports a card simulation mode, and business information and transaction tokens dynamically obtained from a mobile payment server side are written in a simulation card, thereby providing convenience for an NFC user terminal to read and trigger a payment process; on one hand, a real-time dynamic transaction verification process can reduce mobile payment security risks, and on the other hand, the technical scheme can be applied to a common NFC user terminal, have no reconstruction requirement on the NFC user terminal, and reduce the NFC user terminal dependence on security modules such as NFC SWP cards and NFC SD cards, and special-purpose client sides.

Description

technical field [0001] The present invention relates to the technical field of mobile payment, in particular to a mobile payment method, system and equipment. Background technique [0002] NFC (Near Field Communication, short-range communication) is a short-range high-frequency wireless communication technology that allows non-contact data transmission between electronic devices. The three working modes of NFC include: card reader mode, card emulation mode, and peer-to-peer mode. [0003] At present, the main principles of mobile payment include: NFC user terminals adopt card simulation mode, and the TSM (Trusted Service Management) platform issues and manages the applications running on the simulated cards. NFC user terminals need to support NFCSWP (SingleWireProtocol, single-wire protocol) agreement, And a dedicated TSM trusted client is required, the SIM card needs to support NFCSWP, and the NFCPOS (sales terminal) needs to support the card reader mode to complete mobile...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q20/40G06Q20/38
Inventor 刘向辉邵铮陆顾婧张柳成王仁轩
Owner CHINA TELECOM CORP LTD
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