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Financial card, mobile terminal and mobile payment system

A mobile terminal and financial card technology, applied in the field of mobile terminals, mobile payment systems, and financial cards, can solve the problems of inability to meet the control requirements of payment institutions such as UnionPay, lack of versatility and portability, and achieve enhanced versatility and portability. performance, enhancing versatility and portability

Inactive Publication Date: 2018-12-18
李丹
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Problems solved by technology

[0006] Aiming at technical problems such as the lack of versatility and transplantability of existing mobile payment schemes in related technologies, and the inability to meet the control requirements of payment institutions such as UnionPay, the present invention provides a financial card, a mobile terminal and a mobile payment system, with at least solve the above problems

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  • Financial card, mobile terminal and mobile payment system
  • Financial card, mobile terminal and mobile payment system
  • Financial card, mobile terminal and mobile payment system

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Embodiment Construction

[0029] Hereinafter, the present invention will be described in detail with reference to the drawings and examples. It should be noted that, in the case of no conflict, the embodiments in the present application and the features in the embodiments can be combined with each other.

[0030] figure 1 It is a structural block diagram of a financial card according to an embodiment of the present invention. Such as figure 1 As shown, the financial card includes: a substrate 10, an IC card chip 101 for performing financial payment functions, and a near field communication module 103, wherein the IC card chip 101 is arranged on the substrate 10, and the near field communication module 103 is arranged on the substrate 10, coupled with the IC card chip 101, used to send the payment information generated when the IC card chip 101 conducts transactions with the external reader to the mobile terminal.

[0031] With the financial card provided in the above embodiments, since a near-field ...

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Abstract

A financial card, a mobile terminal and a mobile payment system are provided. The financial card includes: a substrate and an IC card chip for performing a financial payment function, the IC card chipis arranged on the substrate, and the financial card further comprises a near-field communication module arranged on the substrate and coupled with the IC card chip for sending payment information generated when the IC card chip trades with an external reader to a mobile terminal. By adopting the technical proposal provided by the invention, the technical problems that in a related art, the existing mobile payment schemes are not universal and portable and are unable to meet the control needs of payment institutions such as UnionPay and other technical issues are soved; the invention enhancesthe universality and portability of the financial card, thereby enhancing the universality and portability of mobile payment methods, and can achieve mobile payment scheme dominated by UnionPay and not constrained by mobile operators.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a financial card, a mobile terminal and a mobile payment system. Background technique [0002] Near Field Communication, also known as Near Field Communication (NFC for short) technology is a near field communication technology evolved through RFID, and mobile payment is one of the most important functions of NFC. Security, the NFC mobile payment system needs to have a secure element (Secure Element, referred to as SE). According to the location of SE, there are three different solutions for NFC-based mobile payment services: NFC full terminal (SE is built into mobile phone hardware), near field communication single wire protocol (NFC Single Wire Protocol, referred to as NFC-SWP) ( SE is built into the SIM card), NFC-SD card (SE is built into the SD card). [0003] Due to the existence of these three different ways of SE, many disputes have been brought about. Everyone wants to co...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32
CPCG06Q20/3278G06Q20/3229
Inventor 李丹
Owner 李丹
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