CN104240080A - Realization method for mobile payment and device thereof - Google Patents
Realization method for mobile payment and device thereof Download PDFInfo
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- CN104240080A CN104240080A CN201310226139.3A CN201310226139A CN104240080A CN 104240080 A CN104240080 A CN 104240080A CN 201310226139 A CN201310226139 A CN 201310226139A CN 104240080 A CN104240080 A CN 104240080A
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- smart card
- payment
- mobile terminal
- payment information
- financial smart
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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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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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
- G06Q20/353—Payments by cards read by M-devices
Abstract
The invention provides a realization method for mobile payment and a device thereof, wherein the realization method is realized through a financial smart card which is installed in a mobile terminal. The realization method comprises the steps of: acquiring payment information generated in transaction with an outer reader by the financial smart card; and transmitting the payment information to a Unionpay clearing system by the financial smart card through the mobile terminal for performing payment processing. The realization method according to a technical solution provided by the invention settles technical problems of restriction for a user and a terminal in an existing mobile payment solution in related technology, etc. Furthermore an effect that the mobile payment is dominant by the Unionpay and is not restricted by mobile service operators can be realized.
Description
Technical field
The present invention relates to moving communicating field, in particular to a kind of implementation method and device of mobile payment.
Background technology
In recent years, along with the develop rapidly of Internet technology and mobile communication technology, the particularly fast development of smart mobile phone, greatly promote the rapid emergence of mobile payment industry, the each side relevant from industry constantly releases flexile innovative mobile payment service, creates tremendous influence in social life.
So-called mobile payment refers to that both parties are in order to certain goods or business, carry out business transaction by mobile terminal device, and the mobile terminal that mobile payment uses can be mobile phone, PDA, mobile PC etc.
But, the whole industrial chain of mobile payment and value chain complexity, relate to industry and service provider is numerous, comprise mobile operator, mobile device business, payment services business (as bank, Unionpay), application provider's (public transport, campus, government utility etc.), terminal user etc.At present in mobile payment field, due to the assignment problem of value chain, each side all wants the dominant right of fighting for mobile payment industrial chain, to obtaining the dominant right of whole value chain.The mobile payment of current main flow has: near-field communication (is also called wireless near field communication, Near Field Communication, referred to as NFC)-subscriber identification module (Subscriber Identity Module, referred to as SIM), independent NFC terminal, intelligent SD card etc., namely can realize mobile payment by different carriers such as SIM cards of mobile phones, independent NFC chip, intelligent SD cards.
But due to the industrial chain present situation that mobile payment itself relates to, existing scheme also exists some self shortcomings: one is the restriction to user, such as NFC-SIM, owing to relating to the interests between mobile operator and payment services business, this direction slower development; Two is limit to some extent terminal, such as intelligent SD card scheme, and due to comparatively strong to the dependence of SD card, particularly along with the cost of existing memory industry reduces, the mobile terminal quantity of external SD card declines to some extent.
For the problems referred to above in correlation technique, at present effective solution is not yet proposed.
Summary of the invention
For in correlation technique, there is the technical matterss such as restriction to user and terminal in existing mobile payment scheme, the invention provides a kind of implementation method and device of mobile payment, at least to solve the problem.
According to an aspect of the present invention, provide a kind of implementation method of mobile payment, realized by the financial smart card be installed in mobile terminal, described method comprises: described financial smart card obtains its payment information produced when concluding the business with extraneous reader; Described payment information is sent to Unionpay's settlement system by mobile terminal and carries out payment processes by described financial smart card.
Preferably, described payment information is sent to before Unionpay's settlement system carries out payment processes by mobile terminal by described financial smart card, comprising: described financial smart card is encrypted described payment information.
Preferably, described payment information is sent to Unionpay's settlement system by mobile terminal and carries out payment processes by described financial smart card, comprise: the credit card issuer system that described payment information is sent to described financial smart card by described Unionpay settlement system is verified, and be used to indicate the information of authority to pay to described mobile terminal feedback after being verified.
According to a further aspect of the invention, provide a kind of implementation method of mobile payment, realized by the mobile terminal being provided with financial smart card, described method comprises: described mobile terminal receives the payment information from described financial smart card, wherein, described payment information is the payment information that described financial smart card and extraneous reader produce when concluding the business; Described payment information is sent to Unionpay's settlement system and carries out transaction payment by described mobile terminal.
Preferably, described mobile terminal comprises: described financial smart card is encrypted described payment information before receiving the payment information from described financial smart card.
Preferably, described Transaction Information is sent to Unionpay's settlement system by mobile terminal and carries out payment processes by described financial smart card, comprise: the credit card issuer system that described payment information is sent to described financial smart card by described Unionpay settlement system is verified, and to the information of described mobile terminal feedback authority to pay after being verified.
Preferably, the credit card issuer system that described payment information is sent to described financial smart card by described Unionpay settlement system comprises: described Unionpay settlement system is encrypted described payment information before verifying.
According to a further aspect of the invention, provide a kind of implement device of mobile payment, realized by the financial smart card be installed in mobile terminal, described device comprises: acquisition module, for obtaining the payment information produced when described financial smart card and extraneous reader are concluded the business; Sending module, carries out payment processes for described payment information is sent to Unionpay's settlement system by mobile terminal.
Preferably, said apparatus comprises: encrypting module, for being encrypted described payment information.
According to a further aspect of the invention, a kind of implement device of mobile payment is provided, it is characterized in that, realized by the mobile terminal being provided with financial smart card, described device comprises: receiver module, for receiving the payment information from described financial smart card, wherein, described payment information is the payment information that described financial smart card and extraneous reader produce when concluding the business; Sending module, carries out transaction payment for described payment information is sent to Unionpay's settlement system.
Pass through the present invention, financial smart card is utilized to obtain the payment information produced when concluding the business with extraneous reader, and this payment information is sent to the technological means that Unionpay's settlement system carries out payment processes, solve in correlation technique, there is the technical matterss such as restriction to user and terminal in existing mobile payment scheme, so can realize mobile payment mode by Unionpay dominate and by the effect of mobile operator constraint.
Accompanying drawing explanation
Accompanying drawing described herein is used to provide a further understanding of the present invention, and form a application's part, schematic description and description of the present invention, for explaining the present invention, does not form inappropriate limitation of the present invention.In the accompanying drawings:
Fig. 1 is the process flow diagram of the implementation method of mobile payment according to the embodiment of the present invention;
Fig. 2 is the structured flowchart of the implement device of mobile payment according to the embodiment of the present invention;
Fig. 3 is another structured flowchart of the implement device of mobile payment according to the embodiment of the present invention;
Fig. 4 is the process flow diagram of the implementation method of another mobile payment according to the embodiment of the present invention;
Fig. 5 is the structured flowchart of the implement device of another mobile payment according to the embodiment of the present invention;
Fig. 6 is the process flow diagram of non-contact mobile payment method according to the preferred embodiment of the invention;
Fig. 7 is the structural representation of the financial smart card according to the embodiment of the present invention;
Fig. 8 is another structural representation of the financial smart card according to the embodiment of the present invention;
Fig. 9 is the structural representation of mobile terminal according to the preferred embodiment of the invention;
Figure 10 is the structural representation of financial smart card according to the preferred embodiment of the invention;
Figure 11 is the structural representation of the near-field communication aerial according to the embodiment of the present invention;
Figure 12 is financial smart card and near-field communication aerial connected mode schematic diagram according to the preferred embodiment of the invention.
Embodiment
Hereinafter also describe the present invention in detail with reference to accompanying drawing in conjunction with the embodiments.It should be noted that, when not conflicting, the embodiment in the application and the feature in embodiment can combine mutually.
The mobile payment scheme in correlation technique considered exists problems such as many restrictions of user and terminal, following examples are mainly from lower angle, provide corresponding solution: each bank is by Unionpay's inter-bank trade clearing system (i.e. Unionpay's settlement system), achieve interconnecting between system, and then make bank card be able to cross-bank, trans-regional and use across mirror.In mobile payment field, mobile terminal is its important carrier, relative to mobile operator, there is the system for settling account of complete set in Unionpay, therefore, make full use of the existing feature of mobile terminal, reduce the critical elements of the mobile operator in mobile payment industrial chain, the complexity of mobile payment industry reduces relatively.
Fig. 1 is the process flow diagram of the implementation method of mobile payment according to the embodiment of the present invention.Method in the present embodiment is realized by the financial smart card be installed in mobile terminal, and as shown in Figure 1, the method comprises:
Step S102, financial smart card obtains its payment information produced when concluding the business with extraneous reader;
Step S104, above-mentioned payment information is sent to Unionpay's settlement system by mobile terminal and carries out payment processes by financial smart card.
By each treatment step above-mentioned, because financial smart card can carry out with extraneous reader communicate (can be near field communication), thus the payment information produced when getting transaction, and utilize mobile terminal that this payment information is sent to Unionpay's settlement system to carry out payment processes, therefore, fundamentally avoid the many restrictions to user and terminal, and achieve mobile payment mode by Unionpay dominate and do not retrain by mobile operator.
Wherein, financial smart card is also called financial IC card or chip bank card, is the bank card using chip as medium.Chip card capacity is large, can the information such as storage key, digital certificate, fingerprint, and its principle of work is similar to microcomputer, can process several functions simultaneously, for holder provides the facility of one card for multiple uses.Financial IC card is issued by commercial bank (credit office) or payment mechanism, adopt integrated circuit technique, follow financial industry standard, there is consumer credit, the transfer and settlement of accounts, all or part of financial function of cash-access, the financial instrument of other commerce services and social management function can be had.
In order to strengthen the security in payment process, to be sent to by payment information before Unionpay's settlement system carries out payment processes by mobile terminal at financial smart card, financial smart card can be encrypted above-mentioned payment information.
In the present embodiment, payment information is sent to Unionpay's settlement system by mobile terminal by financial smart card to carry out payment processes and can show as following form: the credit card issuer system that above-mentioned payment information is sent to financial smart card by Unionpay's settlement system is verified, and is used to indicate the information of authority to pay to mobile terminal feedback after being verified.In this processing procedure, in order to strengthen the security of payment process further, Unionpay's settlement system before sending above-mentioned payment information to credit card issuer system, can be encrypted above-mentioned payment information again.
In order to strengthen the security in payment process further, the credit card issuer system described payment information being sent to financial smart card in Unionpay's settlement system can also be encrypted above-mentioned payment information before verifying.
Additionally provide a kind of implement device of mobile payment in the present embodiment, this device is realized by the financial smart card be installed in described mobile terminal, namely financial smart card can be arranged in, for realizing above-described embodiment and preferred implementation, carried out repeating no more of explanation, below the module related in this device had been described.As used below, term " module " can realize the software of predetermined function and/or the combination of hardware.Although the device described by following examples preferably realizes with software, hardware, or the realization of the combination of software and hardware also may and conceived.Fig. 2 is the structured flowchart of the implement device of mobile payment according to the embodiment of the present invention.As shown in Figure 2, this device comprises:
Acquisition module 20, is connected to sending module 22, for obtaining the payment information produced when financial smart card and extraneous reader are concluded the business;
Sending module 22, carries out payment processes for payment information is sent to Unionpay's settlement system by mobile terminal.
By the function that above-mentioned modules realizes, fundamentally can avoid the many restrictions to user and terminal equally, and achieve mobile payment mode by Unionpay dominate and do not retrain by mobile operator.
In the present embodiment, in order to strengthen the security of payment process, as described in Figure 3, said apparatus can also include but not limited to: encrypting module 24, is connected with sending module 22, for being encrypted above-mentioned payment information.
As mentioned above, the above-mentioned modules related in the present embodiment both can be realized by software, also can be realized by correspondingly hardware.Such as, above-mentioned modules all can be located within a processor, such as: above-mentioned modules is all in a processor: a kind of processor, comprising: above-mentioned acquisition module 20, and above-mentioned sending module 22 and/or encrypting module 24; Or above-mentioned modules is in a corresponding processor respectively: above-mentioned acquisition module 20, be arranged in first processor, above-mentioned sending module 22 is arranged in the second processor, and/or above-mentioned encrypting module 24 is arranged in three processors, or, wherein two modules in above-mentioned three modules are arranged in a processor, and another module remaining is arranged in another one processor.
Fig. 4 is the process flow diagram of the implementation method of another mobile payment according to the embodiment of the present invention.The method is realized by the mobile terminal being provided with financial smart card, and as shown in Figure 4, the method comprises:
Step S402, mobile terminal receives from the payment information of financial smart card, and wherein, this payment information is the payment information that financial smart card and extraneous reader produce when concluding the business;
Step S404, above-mentioned payment information is sent to Unionpay's settlement system and carries out transaction payment by mobile terminal.
Similarly, in order to strengthen the security of payment process, before mobile terminal receives the payment information from financial smart card, financial smart card is encrypted payment information.
And, Transaction Information is sent to Unionpay's settlement system by mobile terminal and carries out payment processes by financial smart card, following form can be shown as: the credit card issuer system that payment information is sent to financial smart card by Unionpay's settlement system is verified, and to the information of mobile terminal feedback authority to pay after being verified.
In order to realize the method in Fig. 4, the implement device of the present embodiment also a kind of mobile payment, this device is realized by the mobile terminal being provided with financial smart card, and as shown in Figure 5, this device comprises:
Receiver module 50, is connected to sending module 52, and for receiving the payment information from described financial smart card, wherein, this payment information is the payment information that described financial smart card and extraneous reader produce when concluding the business;
Sending module 52, carries out transaction payment for above-mentioned payment information is sent to Unionpay's settlement system.
In order to understand the payment process in above-described embodiment better, the preferred embodiment below in conjunction with above-described embodiment describes in detail.The main design idea of following preferred embodiment is, utilize the sim card slot interface on existing many card (such as double card) intelligent mobile terminals, by using financial smart card (i.e. above-mentioned financial smart card), by existing communication protocol, realize the communication between financial smart card and intelligent mobile terminal, and realize the mobile payment service of consumer by the radio communication function that mobile terminal is basic.Meanwhile, this mobile payment service can be realized and only dominated by Unionpay, and not be limited by mobile communication carrier, improve the security of mobile payment service.
Fig. 6 is the process flow diagram of non-contact mobile payment method according to the preferred embodiment of the invention.As shown in Figure 6, the method comprises:
Step S602, the information that credit card issuer provides according to user, is stored in the financial smart card with safety chip and communication module by user profile;
Step S604, user, by close for the terminal such as mobile terminal and POS, carries out near-field communication by the terminal such as near field antenna and POS of mobile terminal
Step S606, financial smart card is set up with mobile terminal by its built-in communication module and is communicated;
Step S608, mobile terminal is set up by its radio communication function and Unionpay settlement system and is communicated;
Step S610, financial smart card carries out finance encryption by its internal security chip to mobile payment information;
Step S612, the mobile payment information after financial intelligent card encryption is sent to Unionpay's settlement system by mobile terminal by mobile terminal;
Step S614, the financial smart card enciphered message of acquisition and Transaction Information are encrypted and are issued credit card issuer system and verify by Unionpay's settlement system again, complete mobile payment.
In the present embodiment, additionally provide a kind of financial smart card, as shown in Figure 7, this financial smart card comprises:
First communication module 70, is of coupled connections with extraneous reader, for the payment information produced when concluding the business with extraneous reader is sent to mobile terminal.
Preferably, as shown in Figure 8, above-mentioned financial smart card can also comprise: safety chip 72, is connected with first communication module 72, for being encrypted by payment information, and the payment information after encryption is sent to mobile terminal.
As shown in Figure 10, the SIM card draw-in groove in the shape of financial smart card and mobile terminal adapts, and namely financial smart card shape is identical with SIM card shape.
In the present embodiment, additionally provide a kind of mobile terminal, this mobile terminal comprises: at least two SIM card draw-in grooves, the financial smart card described in above embodiment, and this financial smart card is installed on one of them the SIM card draw-in groove at least two SIM card draw-in grooves.
In order to understand above-described embodiment better, describe in detail below in conjunction with Fig. 9.
As shown in Figure 9, this mobile terminal comprises: financial smart card (Finance Smart Card) 90, antenna (Antenna) 92, application processor (Application Processor, referred to as AP) 94, modulator-demodular unit (Modem) 96, SIM card (Card) 98 etc.
(1) financial smart card 90, a kind of financial smart card based on ISO7816 host-host protocol.Compared with common financial IC card, similar to mobile terminal SIM card in appearance, simultaneously, as shown in Figure 10, this financial smart card comprises newly-increased: communication module 100(is equivalent to first communication module 70) and safety chip 102, be used for on-line payment, store the sensitive information such as finance data, key.
(2) antenna 92: comprise the coil antenna for near-field communication and mobile terminal idle communication antenna.Wherein for the coil antenna of near-field communication, its frequency operation, at 13.56MHz, completes the mobile payment transaction with terminating machines such as POS.Mobile terminal idle communication antenna is existing intelligent mobile terminal ordinary antennas, as being operated in the terminal antenna of the standards such as CDMA, WCDMA, TD-SCDMA or LTE, completes the mobile payment communication service function between Unionpay's server.The structure of near-field communication aerial can be shown in Figure 11.
(3) application processor 94, runs open operating system, is responsible for the control of whole system.Except the general application processor function of existing smart mobile phone, also support to carry out mutual special interface, as ISO7816 interface, USB interface, safe-working pressure (Single Wire Protocol, referred to as SWP) interface etc. with financial smart card.
(4) modulator-demodular unit 96: mobile phone speech call and the important module of data service, mainly completes the A/D conversion of voice signal, D/A conversion, the encoding and decoding of audio digital signals, channel coding/decoding and wireless modem sequential control etc. partly.Be combined with antenna, realize mobile terminal and base station and to eat dishes without rice or wine radio communication function.
(5) SIM card 98: the storage inside information of mobile terminal client, the contents such as the key of encryption and the telephone directory of user, can differentiate, and voice messaging when conversing to client are encrypted for mobile network's client identity.
In mobile payment process, when user uses the mobile terminal of band financial smart card to carry out consuming and paying, contactless near field communication is carried out by the terminating machine such as near-field communication aerial and POS, produce a modulated radio-frequency field being used for communicating, by coupling to financial smart card delivering power, complete data transmission.This antenna frequencies is operated in 13.56MHz, is connected with mobile terminal financial smart card, Figure 12 show financial smart card outward appearance and with near-field communication aerial connected mode.Information interaction between the reading machine such as financial intelligent card mobile terminal and POS being equipped with near-field communication aerial meets ISO14443 non-contact IC card standard agreement.
Needed for carrying user profile and key and near-field communication, the financial intelligent calorie requirement of communication module is inserted on the draw-in groove of mobile terminal.Financial smart card and corresponding draw-in groove and general SIM card and draw-in groove, only need the contact pin of two near-field communications more than the SIM card of general 6pin pin without difference in essence.Figure 12 shows 8pin corresponding to financial smart card, and this financial smart card size is consistent with the SIM card of general mobile terminal.This Novel finical smart card that the present embodiment uses, blocks with existing ordinary bank or compared with financial smart card, except difference in profile, built-in function is also distinguished to some extent.Its inside is integrated with a Special safety chip, is used for storing the sensitive information such as finance data, key, when it has increased user's mobile payment newly simultaneously the communication module paid.The interface that this communication module supports some general, as ISO7816, SWP, USB interface etc.Meanwhile, newly-increased communication module does not affect the security performance of financial smart card.The structure of financial smart card can be shown in Figure 10.
AP is responsible for the relevant information in process mobile payment transaction process and transmits.Pass through special purpose interface on the one hand, as ISO7816 and financial smart card carry out communication and data and signaling transmission, on the other hand, data transmission is carried out with mobile terminal Modem, and complete idle port communication by mobile terminal antenna, with financial sector server suggestion-to-link, complete the authentication in mobile payment transaction process and transaction record.
The present embodiment utilizes the existing sim card slot of current mobile terminal, uses the specific financial smart card merged with existing financial sector, and utilizes the basic communication functions of mobile terminal, complete mobile payment transaction.
In order to understand the action of mobile terminal and financial smart card in above-mentioned payment process in above-described embodiment better, describe in detail below in conjunction with a kind of mobile-payment system.
A kind of non-contact mobile payment system comprises: be with the intelligent mobile terminal of sim card slot, financial smart card, near-field communication aerial, Unionpay's settlement system, credit card issuer system and POS terminal system etc.Mobile terminal near-field communication aerial carries out near-field communication with POS terminal system by ISO14443 agreement on the one hand, and meanwhile, near field communication antenna is connected with financial smart card, completes Transaction Information transmission.Financial smart card, by including but not limited to that ISO7816 interface, SWP interface, USB interface etc. are connected with intelligent mobile terminal application processor system, completes Signalling exchange in mobile payment process and information transmission by relevant interface agreement.The application processor system of mobile terminal and Modem system and mobile terminal antenna are connected with Unionpay settlement system, and Unionpay's settlement system is connected with credit card issuer system.The data that wherein mobile terminal and Unionpay's settlement system mainly complete in mobile payment process are transmitted and Signalling exchange, it can be the basic communication functions of intelligent mobile terminal, also can be WiFi wireless communication system, can also be mobile terminal carry other there is the subsystem etc. of radio communication function.Wherein, the safety chip functional unit of financial smart card is used for being encrypted mobile payment user profile and mobile payment transaction information, and communication module major function has been and the information of mobile terminal and signalling.
In sum, above embodiments enable following beneficial effect: adopt above-described embodiment can realize being dominated by Unionpay, bank participates in, and does not retrain by mobile operator, and user unrestricted choice mobile operator network and mobile terminal can realize mobile payment service.The hair fastener of financial smart card is substantially identical, workable with existing bank hair fastener flow process; Card sending mechanism still keeps hair fastener dominant right, grasps user profile; In hair fastener marketing with in management, the existing organizational structure of Unionpay and bank and flow process are without the need to adjusting; Order at card and produce, the existing fabrication mode of Unionpay and bank and flow process are without the need to adjusting.Simultaneously, because financial smart card can carry out data interaction with intelligent mobile terminal, bank card application can also be carried out to financial smart card, download, report the loss, separate the bookkeepings such as extension by access Unionpay trusted service management system TSM, the Mobile banking that also can be connected to bank carries out the operations such as account management, can also be connected to holder's service business such as credit card repayment, government utility payment, reward voucher, integration that remote consumer, space transference are carried out in the mobile commercial circle of Unionpay or the holder's service platform enjoyment Unionpay connecting Unionpay provides.
Obviously, those skilled in the art should be understood that, above-mentioned of the present invention each module or each step can realize with general calculation element, they can concentrate on single calculation element, or be distributed on network that multiple calculation element forms, alternatively, they can realize with the executable program code of calculation element, thus, they can be stored and be performed by calculation element in the storage device, and in some cases, step shown or described by can performing with the order be different from herein, or they are made into each integrated circuit modules respectively, or the multiple module in them or step are made into single integrated circuit module to realize.Like this, the present invention is not restricted to any specific hardware and software combination.
These are only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations.Within the spirit and principles in the present invention all, any amendment done, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. an implementation method for mobile payment, is characterized in that, realized by the financial smart card be installed in mobile terminal, described method comprises:
Described financial smart card obtains its payment information produced when concluding the business with extraneous reader;
Described payment information is sent to Unionpay's settlement system by mobile terminal and carries out payment processes by described financial smart card.
2. method according to claim 1, is characterized in that, described payment information is sent to before Unionpay's settlement system carries out payment processes by mobile terminal by described financial smart card, comprising:
Described financial smart card is encrypted described payment information.
3. method according to claim 1 and 2, is characterized in that, described payment information is sent to Unionpay's settlement system by mobile terminal and carries out payment processes by described financial smart card, comprising:
The credit card issuer system that described payment information is sent to described financial smart card by described Unionpay settlement system is verified, and is used to indicate the information of authority to pay to described mobile terminal feedback after being verified.
4. an implementation method for mobile payment, is characterized in that, realized by the mobile terminal being provided with financial smart card, described method comprises:
Described mobile terminal receives the payment information from described financial smart card, and wherein, described payment information is the payment information that described financial smart card and extraneous reader produce when concluding the business;
Described payment information is sent to Unionpay's settlement system and carries out transaction payment by described mobile terminal.
5. method according to claim 4, is characterized in that, described mobile terminal comprises before receiving the payment information from described financial smart card:
Described financial smart card is encrypted described payment information.
6. the method according to claim 4 or 5, is characterized in that, described Transaction Information is sent to Unionpay's settlement system by mobile terminal and carries out payment processes by described financial smart card, comprising:
The credit card issuer system that described payment information is sent to described financial smart card by described Unionpay settlement system is verified, and to the information of described mobile terminal feedback authority to pay after being verified.
7. method according to claim 6, is characterized in that, the credit card issuer system that described payment information is sent to described financial smart card by described Unionpay settlement system comprises before verifying:
Described Unionpay settlement system is encrypted described payment information.
8. an implement device for mobile payment, is characterized in that, realized by the financial smart card be installed in mobile terminal, described device comprises:
Acquisition module, for obtaining the payment information produced when described financial smart card and extraneous reader are concluded the business;
Sending module, carries out payment processes for described payment information is sent to Unionpay's settlement system by mobile terminal.
9. device according to claim 8, is characterized in that, comprising:
Encrypting module, for being encrypted described payment information.
10. an implement device for mobile payment, is characterized in that, realized by the mobile terminal being provided with financial smart card, described device comprises:
Receiver module, for receiving the payment information from described financial smart card, wherein, described payment information is the payment information that described financial smart card and extraneous reader produce when concluding the business;
Sending module, carries out transaction payment for described payment information is sent to Unionpay's settlement system.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310226139.3A CN104240080A (en) | 2013-06-07 | 2013-06-07 | Realization method for mobile payment and device thereof |
| PCT/CN2013/079901 WO2013174325A2 (en) | 2013-06-07 | 2013-07-23 | Method and apparatus for implementing mobile payment |
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| CN201310226139.3A CN104240080A (en) | 2013-06-07 | 2013-06-07 | Realization method for mobile payment and device thereof |
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| CN104240080A true CN104240080A (en) | 2014-12-24 |
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| CN105988713A (en) * | 2015-01-29 | 2016-10-05 | 深圳市硅格半导体有限公司 | Storage device and storage method |
| CN106570697A (en) * | 2016-10-31 | 2017-04-19 | 北京小米移动软件有限公司 | Mobile terminal payment verification method and device, and safety certificate tool |
| CN107016541A (en) * | 2017-04-14 | 2017-08-04 | 温咏 | Encrypted card |
| CN115249191A (en) * | 2022-09-20 | 2022-10-28 | 北京结慧科技有限公司 | Transaction message processing system and method |
| WO2023207251A1 (en) * | 2022-04-26 | 2023-11-02 | 中兴通讯股份有限公司 | Terminal device, data processing method and storage medium |
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| CN105988713A (en) * | 2015-01-29 | 2016-10-05 | 深圳市硅格半导体有限公司 | Storage device and storage method |
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| CN106570697A (en) * | 2016-10-31 | 2017-04-19 | 北京小米移动软件有限公司 | Mobile terminal payment verification method and device, and safety certificate tool |
| CN106570697B (en) * | 2016-10-31 | 2020-01-10 | 北京小米移动软件有限公司 | Mobile terminal payment verification method and device and security authentication tool |
| CN107016541A (en) * | 2017-04-14 | 2017-08-04 | 温咏 | Encrypted card |
| WO2023207251A1 (en) * | 2022-04-26 | 2023-11-02 | 中兴通讯股份有限公司 | Terminal device, data processing method and storage medium |
| CN115249191A (en) * | 2022-09-20 | 2022-10-28 | 北京结慧科技有限公司 | Transaction message processing system and method |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2013174325A2 (en) | 2013-11-28 |
| WO2013174325A3 (en) | 2014-04-24 |
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