CN109460991A - Mobile device near field payment data exchange system and method based on safe unit - Google Patents
Mobile device near field payment data exchange system and method based on safe unit Download PDFInfo
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- CN109460991A CN109460991A CN201811252965.4A CN201811252965A CN109460991A CN 109460991 A CN109460991 A CN 109460991A CN 201811252965 A CN201811252965 A CN 201811252965A CN 109460991 A CN109460991 A CN 109460991A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
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- Finance (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
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- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The present invention provides a kind of mobile device near field payment data exchange system and method based on safe unit, the system includes the chip card for completing the issued by banks that the interaction of information is read, for initiating the intelligent mobile communication equipment of delivery operation in native applications module, the safe unit with data encryption is generated for code key, for completing the NFC component with the transmission of the information exchange of various information card, for using hardware in the intelligent mobile communication equipment and feeding back the native applications module of payment result to it, reception for information, the near field financial payment data exchange system based on cloud platform of processing and transmitting, the third-party payment system etc. of data is transmitted for the payment in transfer process of exchange and to Unionpay's system.Low manufacture cost of the present invention, and a variety of third-party payment systems are used, reduce the cost that trade company uses POS machine in acquiring process.
Description
Technical field
The present invention relates to financial payment fields, and in particular, to a kind of mobile device near field payment based on safe unit
Data exchange system and method.
Background technique
Safe unit (SE) uses public key architecture for core, and it is remote to ensure to construct the unified digital certificate means of services
Authenticity, the reliability of journey payment transaction.Application of the security service as SE, it is more to realize encryption, decryption, signature, verifying etc.
Kind of function to operation and is stored with the safeguard protection of higher level, externally provides unified security service interface.
Near-field communication (NFC, Near Field Communication), also known as wireless near field communication, are a kind of short distances
From high frequency wireless communication technology, allow to carry out contactless Point-to-Point Data Transmission between electronic equipment, exchange data.Near field
The communication technology is used as the emerging communication technology by numerous cell phone manufacturers, and NFC component has been widely used in Multiple Type
Mobile phone in.Near-field communication technology is in the financial IC(integrated circuit that the application of payment technical field is for each issued by banks) card completion
Information interaction read, be finally completed the point of sale POS(information control system) transaction or line on payment transaction, China Unionpay
On October 20th, 2014 gives out information, and by third season end in 2014, Unionpay's chip card added up issued volume and breaks through 1,000,000,000.
Native applications module (Native App) is installed on smart phone, one based on native operating sys-tern operation
Kind program, it is able to use mobile phone or intelligent terminal hardware function, includes: loudspeaker, acceleration transducer, camera, NFC
Component, can also be by using mobile intelligent terminal or smart phone external audio frequency, Bluetooth card reader, MPOS(mobile sale
Point information control system), the NFC component that installs additional of back splint battery, the hardware states such as bracelet complete financial IC card, transportation card, identity
Demonstrate,prove information, social security card information exchange transfer function etc..It with smart phone and popularizes, native applications module is installed extensively
In the mobile phone of user.Develop primary App(cell phone software) operating system for different intelligent mobile phone is needed to select difference
App development language.It is reported according to China Internet state of development, the first half of the year in 2014, payment is applied in entirety and mobile phone terminal
All become fastest-rising application.Half annual growth of mobile-phone payment userbase is up to 63.4%.
Third-party payment be exactly in needing the process of exchange that pays paying party paid not directly to beneficiary, but pass through
Third party complete payment process, paying party when needing to pay the bill by payment funding to third party, from third party in due course to gathering
The process that side turns to pay is referred to as Third-party payment.Usual Third-party payment mechanism is to contract and have with domestic and international each big bank
The independent agency of standby certain strength and prestige guarantee, according to China's existing laws and regulations, legal Third-party payment mechanism needs to obtain
" payment transaction licensing ".Third-party payment platform can support the bank card or account of various banks by integration, by product
Tired Third-party payment platform has cultivated the use habit of ordinary user, and has the mature means of payment and interface, passes through
These tools and Interface User can very easily pay the money in its bank account to businessman.So Third-party payment is flat
Platform can provide a convenient and fast payment channel that can be used immediately to businessman.It is issued within 2014 according to payment clearing association, China
Report: 2013, China's Third-party payment market scale just had reached 16 trillion yuans.
Currently, mature development has been obtained near field payment technology, but near field payment technology is used only in intelligent POS machine
In, do not occurred using the method and system that mobile phone native applications carry out near field payment.Mobile phone native applications carry out near field payment
It is main be the security risk in payment process using barrier, if payment data is intercepted, will cause losing for payment data
It loses.Safe unit (SE) is used during payment, chip can be made as, by being integrated in mobile communication equipment terminals electricity
Mode on the plate of road is attached with mobile terminal.Encryption is allowed using safe unit (SE) during financial payment near field
Information is transmitted in internet, and by the data exchange during completion payment transaction after decryption, is greatly strengthened data and existed
Safety in payment process solves the security risk in the payment process of near field.
Summary of the invention
For the defects in the prior art, the object of the present invention is to provide a kind of mobile device near field based on safe unit
Payment data exchange system and method are pacified using the intelligent movable communication equipment terminal of safe unit and NFC component is integrated with
Dress native applications module completes the reading and exchange of the near field payment data encrypted safely, does not use the intelligence of higher cost
POS terminal, it is low in cost, and a variety of third-party payment systems are used, reduce great number formality of the trade company in acquiring process
Take.
According to an aspect of the present invention, a kind of mobile device near field payment data exchange system based on safe unit is provided
System, characterized in that it comprises:
The chip card of issued by banks, the interaction for completing information are read；
Intelligent mobile communication equipment, for initiating delivery operation in native applications module；
Safe unit is connected with the intelligent mobile communication equipment, for code key generation and data encryption；
Credible performing environment (TEE), with it is affiliated can only mobile communication equipment be connected, for carry out personal verification code (PIN) input；
NFC component is connected with the safe unit, transmits for completing with the information exchange of various information card；
Native applications module is connected with the intelligent mobile communication equipment, for using in the intelligent mobile communication equipment
Hardware simultaneously feeds back payment result to it；
Near field financial payment data exchange system based on cloud platform, is connected, for connecing for information with the native applications module
It receives, handle and transmits；
Third-party payment system is connected with the near field financial payment data exchange system based on cloud platform, is used for Unionpay
System transmits the payment in data and transfer process of exchange；
Unionpay's system is connected with the third-party payment system, for receiving the data of the third-party payment system transmission simultaneously
Payment request is initiated to banking system；
Banking system is connected with Unionpay's system, for receiving the payment request of Unionpay's system and carrying out withholding operation；
Authentication center is connected with the near field financial payment data exchange system based on cloud platform, for encryption data and issues
Send out digital certificate；
The near field financial payment data exchange system based on cloud platform includes:
Trade company's management system, for managing Merchants register, real-name authentication, audit and binding bank card information；
Third-party payment system access, for managing workable third-party payment system；
Terminal user management system system, for managing the information of displaying terminal user its relationship trading and the information of tranaction costs；
Receive menu manager system, for managing all receipts list information, terminal, bank card information, formality comprising generating the receipts list
The information for taking distribution, integral distribution, signing；
Background user management system, for managed operation side using the staff of system, the log-on message comprising staff,
Contact method, system actor, initiate mode.
Preferably, the near field financial payment data exchange system based on cloud platform is connected to native applications module and
Between tripartite's payment system, the system for settling account of bank is connected by third-party payment system, is used to support trade company's management
System.
Preferably, the NFC component include NFC sensor and NFC controller, NFC controller control NFC sensor into
The reading and transmission of row data.
Preferably, the safe unit and NFC component are all located among intelligent mobile communication equipment by way of integrated
Or be located at except intelligent mobile communication equipment all by way of link, key generation, certificate installation, encryption solution are externally provided
The security services such as close, signature sign test.
Preferably, trade company's management system, third-party payment system access, terminal user management system system, receipts menu manager
System, background user management system all use cloud storage platform.
Preferably, the third-party payment system is to possess fund used in the company of Third-party payment qualification in China
Transaction system.
The present invention also provides a kind of, and the mobile device near field payment data based on safe unit exchanges method, and feature exists
In comprising following steps:
Step 1 opens the account of the mobile device near field payment data exchange system based on safe unit；
Step 2 initializes the application based on safe unit；
Step 3 completes the mobile communication equipment near field financial payment based on safe unit.
Compared with prior art, the present invention is with following the utility model has the advantages that present invention use is integrated with safe unit and NFC
The intelligent movable communication equipment terminal of component, installation native applications module complete the reading of near field payment data encrypted safely and
Exchange, does not use the intelligent POS terminal of higher cost, low in cost, and uses a variety of third-party payment systems, reduces
Great number service charge of the trade company in acquiring process.
Detailed description of the invention
Upon reading the detailed description of non-limiting embodiments with reference to the following drawings, other feature of the invention,
Objects and advantages will become more apparent upon:
Fig. 1 is that the present invention is based on the step flow charts of the mobile device near field payment data exchange system of safe unit.
Fig. 2 is that the present invention is based on the step flow charts that the mobile device near field payment data of safe unit exchanges method.
Fig. 3 is that the present invention is based on the structural schematic diagrams that the mobile device near field payment data of safe unit exchanges method.
Fig. 4 is the step of present invention opens the account of the mobile device near field payment data exchange system based on safe unit
Flow chart.
Fig. 5 is the step flow chart of application of the present invention initialization based on safe unit.
Specific embodiment
The present invention is described in detail combined with specific embodiments below.Following embodiment will be helpful to the technology of this field
Personnel further understand the present invention, but the invention is not limited in any way.It should be pointed out that the ordinary skill of this field
For personnel, without departing from the inventive concept of the premise, various modifications and improvements can be made.These belong to the present invention
Protection scope.
As shown in Figures 1 to 5, the present invention is based on the mobile device near field payment data exchange systems of safe unit includes:
The chip card of issued by banks, the interaction for completing information are read；
Intelligent mobile communication equipment, for initiating delivery operation in native applications module；
Safe unit is connected with the intelligent mobile communication equipment, for code key generation and data encryption；
Credible performing environment (TEE), with it is affiliated can only mobile communication equipment be connected, for carry out personal verification code (PIN) input；
The near field NFC(payment chip) component, it is connected with the safe unit, is passed for completing with the information exchange of various information card
It is defeated；
Native applications module is connected with the intelligent mobile communication equipment, for using in the intelligent mobile communication equipment
Hardware simultaneously feeds back payment result to it；
Near field financial payment data exchange system based on cloud platform, is connected, for connecing for information with the native applications module
It receives, handle and transmits；
Third-party payment system is connected with the near field financial payment data exchange system based on cloud platform, is used for Unionpay
System transmits the payment in data and transfer process of exchange；
Unionpay's system is connected with the third-party payment system, for receiving the data of the third-party payment system transmission simultaneously
Payment request is initiated to banking system；
Banking system is connected with Unionpay's system, for receiving the payment request of Unionpay's system and carrying out withholding operation；
Authentication center is connected with the near field financial payment data exchange system based on cloud platform, for encryption data and issues
Send out digital certificate；
The near field financial payment data exchange system based on cloud platform includes:
Trade company's management system, for managing Merchants register, real-name authentication, audit and binding bank card information；
Third-party payment system access, for managing workable third-party payment system；
Terminal user management system system, for managing the information of displaying terminal user its relationship trading and the information of tranaction costs；
Receive menu manager system, for managing all receipts list information, terminal, bank card information, formality comprising generating the receipts list
The information for taking distribution, integral distribution, signing；
Background user management system, for managed operation side using the staff of system, the log-on message comprising staff,
Contact method, system actor, initiate mode.
The near field financial payment data exchange system based on cloud platform is connected to native applications module and third party's branch
Between the system of paying, the system for settling account of bank is connected by third-party payment system, is used to support trade company's management system, this
Sample is conducive to the transmission and management of data.
The NFC component includes NFC sensor and NFC controller, and NFC controller controls NFC sensor and carries out data
It reads and transmits, be conducive to the reading and transmission of data in this way.
The safe unit and NFC component are all located among intelligent mobile communication equipment by way of integrated or are all passed through
The mode of link is located at except intelligent mobile communication equipment, and externally offer key generation, certificate installation, encrypting and decrypting, signature are tested
The security services such as label, such safe unit and NFC component are all convenient to be connect with intelligent mobile communication equipment.
Trade company's management system, third-party payment system access, terminal user management system system, receive menu manager system, after
Platform Subscriber Management System all uses cloud storage platform.
The third-party payment system is to possess funds transaction system used in the company of Third-party payment qualification in China
System, is conducive to the management of data in this way.
The present invention also provides a kind of, and the mobile device near field payment data based on safe unit exchanges method, and feature exists
In comprising following steps:
Step 1 opens the account of the mobile device near field payment data exchange system based on safe unit；
The account of the mobile device near field payment data exchange system opened based on safe unit refers to that trade company passes through intelligence
When mobile communication equipment is registered in native applications module, submitted to the near field financial payment data exchange system based on cloud platform
Aptitude checking data, the administration page shown in the operation interface of the near field financial payment data exchange system based on cloud platform
In the data submitted for trade company audit, auditing the trade company that passes through can get based on intelligent mobile communication equipment near field finance
The account of payment data exchange system, then auditing result is notified in native applications module, and is set by intelligent mobile communication
It is standby to feed back to trade company；
The account of third-party payment system is that third-party payment system is to communicate near field financial payment data based on intelligent mobile to hand over
Change the cyber money account system of system foundation；
Step 2 initializes the application based on safe unit；
Application of the initialization based on safe unit refers to that trade company completes the first of safe unit using intelligent mobile communication equipment
Beginningization, after trade company completes to register, native applications module is submitted to the near field financial payment data exchange system based on cloud platform
Applying digital certificate, the authentication and application for carrying out trade company are verified, generate key by safe unit and export public key, by being based on
The near field financial payment data exchange system of cloud platform send public key in authentication center, and authentication center issues digital card according to public key
Book is handed down to native applications mould after the near field financial payment data exchange system based on cloud platform receives digital certificate
Block after native applications module obtains the certificate issued, calls safe unit to carry out cipher key match, completes the installation and safety of certificate
The initialization of unit；
Step 3 completes the mobile communication equipment near field financial payment based on safe unit；
The mobile communication equipment near field financial payment of the completion based on safe unit refers to that trade company is passed through based on safe unit
Native program system completes near field financial payment data exchange operation, and trade company is by intelligent mobile communication equipment in native applications mould
The amount of money of this delivery operation is inputted in block and initiates delivery operation, and native applications module is called in intelligent mobile communication equipment
NFC component, by the chip card of issued by banks close to intelligent mobile communication equipment, the NFC component in intelligent mobile communication equipment is read
The data in the chip card of issued by banks are taken, data establish encryption based on the secure transfer protocol of digital certificate by safe unit
Transmission channel completes encryption, encrypted data is fed back to native applications module by NFC component, the holder of bank card is logical
The password that primary application module in intelligent mobile communication equipment inputs this payment transaction is crossed, native applications module trades this
Data are submitted to the near field financial payment data exchange system based on cloud platform, and the near field financial payment data based on cloud platform are handed over
After the system of changing receives encryption information, by data Shang Song authentication center, authentication center's certificate is to based on the close of cloud platform
Field financial payment data exchange system is simultaneously decrypted, and third-party payment system is sent to after decryption, third-party payment system connects
It receives and information above is sent to Unionpay's system after the information, information above is sent to banking system, department of banking by Unionpay's system
System carries out bank card information verifying after receiving transaction request and completes to trade, and after withholing successfully, will withhold and receive gathering
Information feed back to Unionpay's system, which is fed back to third-party payment system and the fund of withholing is transferred to by Unionpay's system
The information is fed back to the near field financial payment based on cloud platform by the operation account in tripartite's payment system, third-party payment system
Data exchange system, the result data that will withhold of the near field financial payment data exchange system based on cloud platform feed back to native applications
The interface of module, bank's cardholder are signed at the interface of native applications module, complete payment flow, the signature of holder
Picture will be retained in this payment data of the near field financial payment data exchange system based on cloud platform, and trade company passes through intelligence
Mobile communication equipment views this Receiving information in the personal account of native applications module.
The operation account of third-party payment system is that third-party payment system is to communicate near field finance branch based on intelligent mobile
Pay the cyber money account system that data exchange system is established.
Specific embodiments of the present invention are described above.It is to be appreciated that the invention is not limited to above-mentioned
Particular implementation, those skilled in the art can make various deformations or amendments within the scope of the claims, this not shadow
Ring substantive content of the invention.
Claims (7)
1. a kind of mobile device near field payment data exchange system based on safe unit, characterized in that it comprises:
The chip card of issued by banks, the interaction for completing information are read；
Intelligent mobile communication equipment, for initiating delivery operation in native applications module；
Safe unit is connected with the intelligent mobile communication equipment, for code key generation and data encryption；
Credible performing environment, with it is affiliated can only mobile communication equipment be connected, for carry out personal verification code input；
NFC component is connected with the safe unit, transmits for completing with the information exchange of various information card；
Native applications module is connected with the intelligent mobile communication equipment, for using in the intelligent mobile communication equipment
Hardware simultaneously feeds back payment result to it；
Near field financial payment data exchange system based on cloud platform, is connected, for connecing for information with the native applications module
It receives, handle and transmits；
Third-party payment system is connected with the near field financial payment data exchange system based on cloud platform, is used for Unionpay
System transmits the payment in data and transfer process of exchange；
Unionpay's system is connected with the third-party payment system, for receiving the data of the third-party payment system transmission simultaneously
Payment request is initiated to banking system；
Banking system is connected with Unionpay's system, for receiving the payment request of Unionpay's system and carrying out withholding operation；
Authentication center is connected with the near field financial payment data exchange system based on cloud platform, for encryption data and issues
Send out digital certificate；
The near field financial payment data exchange system based on cloud platform includes:
Trade company's management system, for managing Merchants register, real-name authentication, audit and binding bank card information；
Third-party payment system access, for managing workable third-party payment system；
Terminal user management system system, for managing the information of displaying terminal user its relationship trading and the information of tranaction costs；
Receive menu manager system, for managing all receipts list information, terminal, bank card information, formality comprising generating the receipts list
The information for taking distribution, integral distribution, signing；
Background user management system, for managed operation side using the staff of system, the log-on message comprising staff,
Contact method, system actor, initiate mode.
2. the mobile device near field payment data exchange system according to claim 1 based on safe unit, feature exist
In the near field financial payment data exchange system based on cloud platform is connected to native applications module and third-party payment system
Between, the system for settling account of bank is connected by third-party payment system, is used to support trade company's management system.
3. the mobile device near field payment data exchange system according to claim 1 based on safe unit, feature exist
In the NFC component includes NFC sensor and NFC controller, and NFC controller controls the reading that NFC sensor carries out data
And transmission.
4. the mobile device near field payment data exchange system according to claim 1 based on safe unit, feature exist
In the safe unit and NFC component are all located among intelligent mobile communication equipment by way of integrated or all pass through link
Mode be located at except intelligent mobile communication equipment, externally provide key generations, certificate installation, encrypting and decrypting, sign sign test pacify
Full service.
5. the mobile device near field payment data exchange system according to claim 1 based on safe unit, feature exist
In trade company's management system, terminal user management system system, receives menu manager system, background user at third-party payment system access
Management system all uses cloud storage platform.
6. the mobile device near field payment data exchange system according to claim 1 based on safe unit, feature exist
In the third-party payment system is to possess funds transaction system used in the company of Third-party payment qualification in China.
7. a kind of mobile device near field payment data based on safe unit exchanges method, which is characterized in that it includes following step
It is rapid:
Step 1 opens the account of the mobile device near field payment data exchange system based on safe unit；
Step 2 initializes the application based on safe unit；
Step 3 completes the mobile communication equipment near field financial payment based on safe unit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811252965.4A CN109460991A (en) | 2018-10-25 | 2018-10-25 | Mobile device near field payment data exchange system and method based on safe unit |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811252965.4A CN109460991A (en) | 2018-10-25 | 2018-10-25 | Mobile device near field payment data exchange system and method based on safe unit |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111313545A (en) * | 2020-01-08 | 2020-06-19 | 国网内蒙古东部电力有限公司检修分公司 | Extra-high voltage transmission line on-line monitoring platform based on big data |
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| CN106600257A (en) * | 2016-08-15 | 2017-04-26 | 孔文国 | Security-unit-based near-filed payment data exchange system and method of mobile device |
| CN107464109A (en) * | 2017-07-28 | 2017-12-12 | 中国工商银行股份有限公司 | Credible mobile payment device, system and method |
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2018
- 2018-10-25 CN CN201811252965.4A patent/CN109460991A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106600257A (en) * | 2016-08-15 | 2017-04-26 | 孔文国 | Security-unit-based near-filed payment data exchange system and method of mobile device |
| CN107464109A (en) * | 2017-07-28 | 2017-12-12 | 中国工商银行股份有限公司 | Credible mobile payment device, system and method |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111313545A (en) * | 2020-01-08 | 2020-06-19 | 国网内蒙古东部电力有限公司检修分公司 | Extra-high voltage transmission line on-line monitoring platform based on big data |
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Application publication date: 20190312 |