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Mobile payment method and mobile payment device

A mobile payment and payment method technology, applied in the field of communications, can solve problems such as low mobile payment efficiency, and achieve the effect of improving mobile payment efficiency and reducing the number of payment failures

Inactive Publication Date: 2016-12-07
XIAN COOLPAD SOFTWARE TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] Embodiments of the present invention provide a mobile payment method and device, which can solve the problem of low mobile payment efficiency

Method used

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  • Mobile payment method and mobile payment device

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Embodiment Construction

[0022] 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. 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.

[0023] In order to improve the efficiency of mobile payment on the premise of ensuring security, the embodiment of the present invention provides a mobile payment method, which is applied to a terminal, such as figure 1 As shown, the method includes:

[0024] 101. Receive an NFC payment request, where the NFC payment request carries the card type used for this payment.

[0025] Among them, the NFC payment request is sent by the NFC card reader. When the user needs...

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Abstract

The invention discloses a mobile payment method and a mobile payment device and relates to the technical field of communication networks, which solves the problem in the prior art that the mobile payment efficiency is low. According to the embodiments of the invention, firstly, an NFC payment request is received, wherein the NFC payment request carries the card type of a payment card. Secondly, an HCE application corresponding to the card type of the payment card, a payment condition and a payment mode corresponding to the above HCE application are searched in a route switching relational table. Thirdly, a first payment condition for the current network state and the system security state to meet is determined. Fourthly, a first HCE application that meets the first payment condition is selected among all HCE applications. Finally, the payment is conducted by adopting the first HCE application and a payment mode corresponding to the first HCE application. According to the technical scheme of embodiments provided by the invention, the method and the device can be applied to the mobile payment.

Description

technical field [0001] The present invention relates to the field of communication technology, in particular to a mobile payment method and device. Background technique [0002] NFC (Near Field Communication, short-range wireless communication) technology is evolved from the integration of RFID (Radio Frequency Identification, radio frequency identification) technology and interconnection technology. NFC technology can realize the combination of inductive card readers, inductive cards and point-to-point functions on a single chip, so that terminals with NFC functions can identify and exchange data with compatible devices (such as NFC card readers) within a short distance . [0003] HCE (Host-based Card Emulation, host-based card emulation) is a host-based card emulation technology that informs the NFC card reader by simulating the communication protocol and communication process between NFC and SE (Secure Element, security module) , the host has the support of SE, that is,...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/34G06Q20/40G06Q20/22
CPCG06Q20/227G06Q20/3278G06Q20/351G06Q20/405
Inventor 张子敬
Owner XIAN COOLPAD SOFTWARE TECH CO LTD