Method and system for carrying out near-field financial payment data exchange on the basis of mobile communication equipment

A technology of mobile communication equipment and financial payment, which is applied in the field of near-field financial payment data exchange and financial payment data exchange based on mobile communication equipment, which can solve the problems of high service fees and high costs of intelligent POS machines, and achieve the improvement of the network environment Effect

Inactive Publication Date: 2017-04-26
孔文国
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

Alipay and WeChat, the most widely used third-party payment native applications, both charge 0.6% of the handling fee during the payment p

Method used

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  • Method and system for carrying out near-field financial payment data exchange on the basis of mobile communication equipment
  • Method and system for carrying out near-field financial payment data exchange on the basis of mobile communication equipment
  • Method and system for carrying out near-field financial payment data exchange on the basis of mobile communication equipment

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Embodiment Construction

[0035] The preferred embodiments of the present invention are given below in conjunction with the accompanying drawings to describe the technical solution of the present invention in detail.

[0036] Such as figure 1 As shown, the present invention is based on a mobile communication device near-field financial payment data exchange system. The system mainly includes a chip card 1 issued by a bank, a mobile communication device 2, a native program application module 3, an NFC sensor 4, and a near-field financial payment system based on a cloud platform. The payment data exchange system 5, the third-party payment system 6, the UnionPay system 7, the bank system 8 where the bank card is located, the native program application module 3, and the NFC sensor 4 are all located in the mobile communication device 2, the chip card issued by the bank 1, the mobile communication device 2 are connected with the near-field financial payment data exchange system 5 based on the cloud platform,...

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Abstract

The invention discloses a method and a system for carrying out near-field financial payment data exchange on the basis of mobile communication equipment. The system comprises a chip card issued by a bank, the mobile communication equipment, a native App, an NFC (Near Field Communication) sensor, a near-field financial payment data exchange system based on a cloud platform, a third-party payment system, a Unionpay system and a bank system where a bank card is positioned. By use of the system, the native App installed on a smartphone terminal is used for finishing near-field payment data reading and exchange, and intelligent POS (Point Of Sale) equipment with high cost is not used; and in addition, since the system can use various third-party payment systems, a high commission charge which is not lower than 0.6% in an acquiring process of a commercial tenant is lowered.

Description

technical field [0001] The present invention relates to the data exchange technology of financial payment in the field of mobile payment technology, in particular to a method and system for data exchange of near-field financial payment based on mobile communication equipment. Background technique [0002] Near Field Communication (NFC, Near Field Communication), also known as short-range wireless communication, is a short-range high-frequency wireless communication technology that allows non-contact point-to-point data transmission and data exchange between electronic devices. As an emerging communication technology, near-field communication technology is used by many mobile phone manufacturers, and NFC sensors have been widely used in various types of mobile phones. The application of near-field communication technology in the payment field is to complete the interactive reading of financial IC cards issued by various banks, and finally complete POS transactions or online p...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q20/08G06Q20/32G06Q20/34
CPCG06Q20/023G06Q20/0855G06Q20/3223G06Q20/3227G06Q20/3278G06Q20/3415
Inventor 孔文国
Owner 孔文国
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