Mobile payment method based on mobile communication network

A mobile communication network and mobile payment technology, applied in the field of mobile payment based on mobile communication network, can solve the problems of inconvenience and insecurity of cash to carry, and achieve the effect of improving market competitiveness, safe payment method and ensuring fund security.

Inactive Publication Date: 2006-09-20
浙江通普通信技术有限公司 +2
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] Traditional currency payment is paid in cash, and it is extremely inconvenient and unsafe to carry a large amount of cash

Method used

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  • Mobile payment method based on mobile communication network
  • Mobile payment method based on mobile communication network
  • Mobile payment method based on mobile communication network

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0012] A mobile payment method based on a mobile communication network, and a corresponding NFC recharge system based on a mobile communication network is shown in figure 1 .

[0013] figure 2 The flow chart of the NFC recharge transaction describes in detail the core process of the "NFC recharge transaction" software, as follows:

[0014] 1) When the device perceives any NFC connection request, P1 will immediately analyze the transaction service ID of its connection request, and if the service ID is a transaction service ID, it will immediately enter P2;

[0015] 2) P2 judges whether the service ID is a transaction request for mobile recharge service, if yes, enters P3, otherwise enters P12;

[0016] 3) P12 is the standard service process of the NFC mobile terminal;

[0017] 4) P3 will read and decode the mobile recharge data contained in the service ID, and enter into P4;

[0018] 5) P4 judges whether the password in the mobile recharge number after decoding is a legal ...

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PUM

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Abstract

The invention is a mobile payment method based on mobile communication network, characterized in: adopting communication protocol and technical criterion of financial trade standard to perform bidirectional data transmission and electronic transaction between NFC mobile charging system and financial institution, and by wireless channel of mobile communication operator, adopting special communication protocol, safe protocol and encryption protocol to implement bidirectional data transmission and electronic transaction between traditional mobile terminal and NFC mobile charging system. As compared with the existing technique, it has the following outstanding advantages of: 1) it can effectively improve market competition capacity of mobile communication operator and financial institution; 2) it provides a convenient and safe payment mode for a user of handset with NFC mobile charging system, and can assure capital safety in the NFC mobile charging system; 3) the user of NFC mobile terminal need not pay fees to any financial institution.

Description

technical field [0001] The invention relates to a network technology in the financial industry, in particular to a mobile payment method based on a mobile communication network. Background technique [0002] Traditional currency payment is paid in cash, and it is extremely inconvenient and unsafe to carry a large amount of cash. With the progress of the times, "card payment" has become fashionable, such as bank cards such as gold cards, silver cards, and peony cards. There is no need to carry cash for consumption, but remittance fees are indispensable. How to create a convenient and safe payment method that does not require remittance fees has become a topic that people are thinking about. Contents of the invention [0003] The purpose of the present invention is to provide a mobile payment method based on a mobile communication network, adopt the existing NFC technology, extend the application field of the NFC technology, and use the mobile communication network to prop...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00G06Q30/00G07F7/08G06Q20/16G06Q20/32
Inventor 卢颎之钱沈钢
Owner 浙江通普通信技术有限公司
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