Credit payment method and device based on mobile terminal card simulation

A mobile terminal and payment device technology, applied in the field of communication, can solve problems such as user inconvenience, prepaid bus card anonymous, user loss, etc.

Active Publication Date: 2017-08-01
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] When a user uses a reusable prepaid bus card by public transportation, since the reusable prepaid bus card is not named and does not report loss, after the loss It will cause great losses to users, and users are required to go to designated outlets to purchase, recharge and refund, which also causes great inconvenience to users

Method used

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  • Credit payment method and device based on mobile terminal card simulation
  • Credit payment method and device based on mobile terminal card simulation
  • Credit payment method and device based on mobile terminal card simulation

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Embodiment Construction

[0115] Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the present invention. Rather, they are merely examples of apparatuses and methods consistent with aspects of the invention as recited in the appended claims.

[0116] Mobile Payment, also known as mobile payment, users can use mobile terminals to make account payments for purchased goods or services. The mobile terminal can use NFC (Near Field Communication, near field communication) to communicate with the transaction terminal to realize the payment transaction. Among them, NFC, also known as short-distance communication, is a short-distance high-fre...

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Abstract

The invention relates to a credit payment method and a device based on mobile terminal card simulation. The method comprises steps: an application authorization permission is transmitted to a preset server; an application public key certificate and an application private key transmitted by the preset server are received; the application public key certificate and the application private key are saved in a credit payment application in the mobile terminal; a credit payment data acquisition request is transmitted to the preset server; credit payment data transmitted by the preset server are received, and according to the credit payment data, a credit payment function of the mobile terminal is opened. After the user opens the payment application, offline credit payment on the transaction terminal can be completed by using the mobile terminal, payment transaction can be completed quickly and securely, online payment is not needed, and the phenomenon that in a related technology, when the user takes a public transport means, the user needs to use cash or a bus card and the like to realize a payment transaction function can be avoided.

Description

technical field [0001] The invention relates to the field of communication technology, in particular to a credit payment method and device based on mobile terminal card simulation. Background technique [0002] At present, public transportation mainly includes buses and subways, and when users buy tickets by public transportation, they mainly use cash or bus cards as two payment methods. Cash payment is mainly for the public transportation system, and users can buy tickets in the form of coins. At the same time, users can also apply for a bus card in a prepaid way, and travel by bus or subway in the form of swiping the card. [0003] When users use cash to buy tickets and take the bus, on the one hand, because many buses are unmanned ticket-selling cars, there is no change, so users have to prepare small fares in advance, which brings inconvenience to users. On the other hand, after the business is over, the staff of the public transport system still need to count the small...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/34G06Q20/38G06Q20/40
CPCG06Q20/322G06Q20/351G06Q20/3829G06Q20/4014G06Q20/3263G06Q20/3265G06Q2220/00G06Q20/3227G06Q20/4037G06Q20/24G06Q20/40H04L9/50G06Q20/3223G06Q20/405G06Q20/3278
Inventor 陈星王磊沈悦斌
Owner ADVANCED NEW TECH CO LTD
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