Micro-payment card device based on HCE technique and realizing method thereof

Abstract

The invention provides a realizing method for a micro-payment card device based on a HCE technique. The method comprises the following steps: receiving the activation and registration action of the user and enabling the device to complete the certification with a cloud platform management system, thereby acquiring the authorization; receiving a consumption transaction request sent by a consumption machine; forwarding a consumption request to the cloud platform management system; reading, checking transaction legality and generating related data after receiving the consumption request sent by the cloud platform management system; receiving the related data of the cloud platform management system and responding to the consumption machine; generating transaction identifying data by the consumption machine according to the response data; receiving the transaction identifying data generated by the consumption machine and forwarding to the cloud platform management system; verifying the identifying data, generating transaction voucher, executing withholding and returning the successful transaction result and data thereof by the cloud platform management system; receiving the successful transaction result and data thereof of the cloud platform management system and responding to the consumption machine. According to the realizing method provided by the invention, the entry threshold of NFC payment can be reduced and the wider deployment is benefited.

Description

technical field [0001] The present invention relates to the field of city card and mobile payment, especially to the fields of city card system, mobile payment system, public transportation industry TSM system, HCE cloud platform management system payment system, etc., and specifically relates to a small payment card device based on HCE technology and its Implementation. Background technique [0002] NFC payment means that when consumers purchase goods or services, they immediately use NFC technology (Near Field Communication) to complete payment through mobile devices such as mobile phones. It is an emerging mobile payment method. Payment processing is carried out on-site and offline, but uses NFC technology to communicate with POS cash registers or vending machines for data interaction to complete consumer payments. [0003] Usually to realize the NFC payment of mobile devices (such as: mobile phones), in addition to the mobile device must support the NFC function, it mus...

AI Technical Summary

Problems solved by technology

[0005] The NFC payment realized by the above-mentioned secure memory chip usually has the following problems: (1), the business model is complicated, and it is difficult to reach cooperation; (2), the industrial chain is extremely long, resulting in difficulty in project implementation and long cycle; (3), The payment application review and deployment process is quite complicated, the problem-solving efficiency is low, and it cannot quickly respond to user needs in a timely manner; (4), the operation is complicated, and the customer service division between cooperative companies is complicated; (5), the payment application download process takes a long time, and activation Poor service experience, affecting user experience

Images