CN106600257A - Security-unit-based near-filed payment data exchange system and method of mobile device - Google Patents
Security-unit-based near-filed payment data exchange system and method of mobile device Download PDFInfo
- Publication number
- CN106600257A CN106600257A CN201610663949.9A CN201610663949A CN106600257A CN 106600257 A CN106600257 A CN 106600257A CN 201610663949 A CN201610663949 A CN 201610663949A CN 106600257 A CN106600257 A CN 106600257A
- Authority
- CN
- China
- Prior art keywords
- payment
- near field
- data exchange
- safe unit
- information
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- 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
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a security-unit-based near-filed payment data exchange system and method of a mobile device. The system comprises a chip card, an intelligent mobile communication device, a security unit, an NFC assembly, a native application module, a near-field financial payment data exchange system, and a third-party payment system and the like. To be specific, the chip car issued by a bank is used for completing information interactive reading; the intelligent mobile communication device is used for initiating a payment operation in the native application module; the security unit is used for realizing secret key generation and data encryption, the NFC assembly is used for completing interactive information transmission with various information cards; the native application module is used for using hardware of the intelligent mobile communication device and feeding back a payment result to the hardware; the near-field financial payment data exchange system is used for realizing information receiving, processing, and transmission based on a cloud platform; and the third-party payment system is used for transferring paid fees during a transaction process and transmitting data to a union pay system. The manufacturing cost of the system is low; and several kinds of third-party payment systems are used, so that high commission charges of commercial tenants during the receipt receiving process can be reduced.
Description
Technical field
The present invention relates to financial payment field, in particular it relates to a kind of mobile device near field based on safe unit pays
Data exchange system and method.
Background technology
Safe unit（SE）Public key architecture is adopted for core, it is remote to guarantee to build the unified digital certificate means of services
The verity of journey payment transaction, reliability.Security service realizes encryption, decryption, signature, checking etc. many as the application of SE
Function is planted, to computing and the safeguard protection of the higher level that is stored with, externally there is provided unified security service interface.
Near-field communication（NFC, Near Field Communication）, it is a kind of short distance also known as wireless near field communication
From high frequency wireless communication technology, it is allowed to contactless Point-to-Point Data Transmission, exchange data are carried out between electronic equipment.Near field
Communication technology is used as emerging communication technology by numerous cell phone manufacturers, and NFC components have been widely used in Multiple Type
Mobile phone in.Near-field communication technology is in the financial IC that the application of payment technical field is for each issued by banks（Integrated circuit）Card is completed
The interaction reading of information, is finally completed POS（Point of sale information control system）Payment transaction in transaction or line, China Unionpay
On October 20th, 2014 gives out information, and by third season end in 2014, the accumulative issued volume of Unionpay's chip card broke through 1,000,000,000.
Native applications module（Native App）It is to be installed on smart mobile phone, run based on native operating sys-tern
The program of kind, it can use mobile phone or intelligent terminal hardware function, comprising：Speaker, acceleration transducer, photographic head, NFC
Component, it is also possible to by using mobile intelligent terminal or smart mobile phone external audio frequency, Bluetooth card reader, MPOS（Mobile sale
Point information control system）, the NFC components that install additional of back splint battery, the hardware state such as bracelet complete financial IC card, transportation card, identity
Card information, social security card information exchange transfer function etc..With smart mobile phone and popularization, native applications module is extensively installed
In the mobile phone of user.Develop primary App（Cell phone software）The operating system for different intelligent mobile phone is needed to select difference
App development languages.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.The annual rate of growth of mobile-phone payment userbase half is up to 63.4%.
Third-party payment be exactly in the process of exchange for paying is needed paying party pay not directly to beneficiary, but pass through
Third party complete pay process, paying party need payment when by payment funding to third party, from third party in good time to gathering
The process that side turns to pay is referred to as Third-party payment.Generally Third-party payment mechanism is and contracts and have with domestic and international each big bank
The independent agency that standby certain strength and prestige are ensured, according to China's existing laws and regulations, legal Third-party payment mechanism needs to obtain
《Payment transaction licence》.Third-party payment platform can support the bank card or account of various banks, Jing Guoji by integrating
Tired Third-party payment platform has cultivated the use habit of domestic consumer, and has the ripe means of payment and interface, passes through
These instruments and Interface User very easily can pay the money in its bank account to businessman.So Third-party payment is flat
Platform can provide an easily payment channel that can be used immediately to businessman.Clearing association is paid according to China to issue for 2014
Report：2013, China's Third-party payment market scale just reached 16 trillion yuans.
At present, near field payment technology has been obtained for the development of maturation, but near field payment technology is used only in intelligent POS
In, the method and system for carrying out near field payment using mobile phone native applications does not occur.Mobile phone native applications carry out near field payment
Main use barrier be potential safety hazard in payment process, if payment data is intercepted, losing for payment data can be caused
Lose.Safe unit is used during payment（SE）, 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.Safe unit is used during the financial payment of near field（SE）Allow encryption
Information is transmitted in the Internet, and the data exchange during payment transaction is completed after decryption, be greatly strengthen data and is existed
Safety in payment process, solves the potential safety hazard in the payment process of near field.
The content of the invention
For defect of the prior art, it is an object of the invention to provide a kind of mobile device near field based on safe unit
Payment data exchange system and method, it uses the intelligent movable communication equipment terminal for being integrated with safe unit and NFC components, peace
Dress native applications module completes the reading and exchange of the near field payment data of safety encryption, does not use relatively costly intelligence
POS terminal, it is with low cost, and using various third-party payment systems, reduce great number formality of the trade company in acquiring process
Take.
According to an aspect of the present invention, there is provided a kind of mobile device near field payment data based on safe unit exchanges system
System, it is characterised in that it includes：
The chip card of issued by banks, the interaction for completing information is read；
Intelligent mobile communication equipment, for initiating delivery operation in native applications module；
Safe unit, is connected with the intelligent mobile communication equipment, generates for key and data encryption；
NFC components, are connected with the safe unit, for completing to be transmitted 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；
Based on the near field financial payment data exchange system of cloud platform, it is connected with the native applications module, connecing for information
Receive, process and transmit；
Third-party payment system, is connected, for Unionpay with the near field financial payment data exchange system based on cloud platform
Payment in system transfers data and transfer process of exchange；
Unionpay's system, is connected with the third-party payment system, for receive third-party payment system transmission data simultaneously
Initiate to pay request to banking system；
Banking system, is connected with Unionpay's system, and the payment for receiving Unionpay's system is asked and carries out withholding operation；
Authentication center, is connected with the near field financial payment data exchange system based on cloud platform, for encryption data and issuing
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, examination ＆ verification and binding bank card information；
Third-party payment system is accessed, for managing the third-party payment system that can be used；
Terminal user management system is united, for managing the information of displaying terminal user its relationship trading and the information of tranaction costs；
Menu manager system is received, for managing the single information of all of receipts, comprising the terminal, bank card information, the formality that produce the receipts list
Take distribution, integration distribution, the information of signature；
Background user management system, for managed operation side using system staff, the log-on message comprising staff,
Contact method, system actor, enable state.
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, for supporting described trade company's management
System.
Preferably, the NFC components include NFC sensor and NFC controller, and NFC controller control NFC sensor is entered
The reading and transmission of row data.
Preferably, the safe unit and NFC components are all located among intelligent mobile communication equipment by integrated mode
Or be all located at by way of link outside intelligent mobile communication equipment, externally offer key is generated, certificate is installed, encryption solution
The security services such as close, signature sign test.
Preferably, the native applications module has two, and IOS and program and Android operation system are supported respectively
Program.
Preferably, trade company's management system, third-party payment system are accessed, terminal user management system is united, receive menu manager
System, background user management system all adopt cloud storage platform, and cloud storage platform is using Web development languages JAVA as first-selection
Support that development language, Web developer are developed on Linux or Mac, dispose, debugged, team carries out member association when developing
Make, different roles possess different authorities to code, project.
Preferably, the third-party payment system is the fund that the company for possessing Third-party payment qualification in China is used
Transaction system.
The present invention also provides a kind of mobile device near field payment data exchange method based on safe unit, and its feature exists
In it is comprised the following steps：
Step one, opens the account based on the mobile device near field payment data exchange system of safe unit；
Step 2, application of the initialization based on safe unit；
Step 3, completes based on the mobile communication equipment near field financial payment of safe unit.
Compared with prior art, the present invention has following beneficial effect：The present invention is used and is integrated with safe unit and NFC
The intelligent movable communication equipment terminal of component, install native applications module complete safety encryption near field payment data reading and
Exchange, do not use relatively costly intelligent POS terminal, it is with low cost, and using various third-party payment systems, reduce
The great number fee of the trade company in acquiring process.
Description of the drawings
The detailed description by reading non-limiting example made with reference to the following drawings, the further feature of the present invention,
Objects and advantages will become more apparent upon：
The step of Fig. 1 is mobile device near field payment data exchange system of the present invention based on safe unit flow chart.
The step of Fig. 2 is mobile device near field payment data exchange method of the present invention based on safe unit flow chart.
Fig. 3 is structural representation of the present invention based on the mobile device near field payment data exchange method of safe unit.
Fig. 4 is the step of present invention opens the account based on the mobile device near field payment data exchange system of safe unit
Flow chart.
The step of Fig. 5 is application of the present invention initialization based on safe unit flow chart.
Specific embodiment
With reference to specific embodiment, the present invention is described in detail.Following examples will be helpful to the technology of this area
Personnel further understand the present invention, but the invention is not limited in any way.It should be pointed out that the ordinary skill to this area
For personnel, without departing from the inventive concept of the premise, some deformations and improvement can also be made.These belong to the present invention
Protection domain.
As shown in Figures 1 to 5, the present invention is included based on the mobile device near field payment data exchange system of safe unit：
The chip card of issued by banks, the interaction for completing information is read；
Intelligent mobile communication equipment, for initiating delivery operation in native applications module；
Safe unit, is connected with the intelligent mobile communication equipment, generates for key and data encryption；
NFC（Near field payment chip）Component, is connected with the safe unit, for completing to be passed 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；
Based on the near field financial payment data exchange system of cloud platform, it is connected with the native applications module, connecing for information
Receive, process and transmit；
Third-party payment system, is connected, for Unionpay with the near field financial payment data exchange system based on cloud platform
Payment in system transfers data and transfer process of exchange；
Unionpay's system, is connected with the third-party payment system, for receive third-party payment system transmission data simultaneously
Initiate to pay request to banking system；
Banking system, is connected with Unionpay's system, and the payment for receiving Unionpay's system is asked and carries out withholding operation；
Authentication center, is connected with the near field financial payment data exchange system based on cloud platform, for encryption data and issuing
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, examination ＆ verification and binding bank card information；
Third-party payment system is accessed, for managing the third-party payment system that can be used；
Terminal user management system is united, for managing the information of displaying terminal user its relationship trading and the information of tranaction costs；
Menu manager system is received, for managing the single information of all of receipts, comprising the terminal, bank card information, the formality that produce the receipts list
Take distribution, integration distribution, the information of signature；
Background user management system, for managed operation side using system staff, the log-on message comprising staff,
Contact method, system actor, enable state.
The near field financial payment data exchange system based on cloud platform is connected to native applications module and third party
Between the system of paying, the system for settling account of bank is connected by third-party payment system, for supporting described trade company's management system, this
Sample is conducive to the transmission and management of data.
The NFC components include NFC sensor and NFC controller, and NFC controller control NFC sensor carries out data
Read and transmit, be so conducive to the reading and transmission of data.
The safe unit and NFC components are all located among intelligent mobile communication equipment by integrated mode or are all passed through
The mode of link is located at outside 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 components are all convenient to be connected with intelligent mobile communication equipment.
The native applications module has two, and IOS is supported respectively（The Mobile operating system of Apple）Operating system and
The program of program and Android operation system, can so meet most demand on market.
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 adopts cloud storage platform, cloud storage platform to adopt Web（Network）Development language JAVA（A kind of computer
Programming language）Used as first-selected support development language, Web developer is in Linux（The operating system of a set of class You Nisi）
Or develop on Mac (operating system on a set of operation and Fructus Mali pumilae Macintosh series computer), dispose, debug, team's exploitation
Shi Jinhang member cooperates, and different roles possess different authorities, can so store substantial amounts of data to code, project, takes
Business device is difficult collapse.
The third-party payment system is the funds transaction system that the company for possessing Third-party payment qualification in China is used
System, is so conducive to the management of data.
The present invention also provides a kind of mobile device near field payment data exchange method based on safe unit, and its feature exists
In it is comprised the following steps：
Step one, opens the account based on the mobile device near field payment data exchange system of safe unit；
Described opening refers to trade company by intelligence based on the account of the mobile device near field payment data exchange system of safe unit
When mobile communication equipment is registered in native applications module, submit to the near field financial payment data exchange system based on cloud platform
Aptitude checking data, in administration page shown in the operation interface based on the near field financial payment data exchange system of cloud platform
In the data that trade company submits to is audited, auditing the trade company that passes through can obtain 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 set by intelligent mobile communication
It is standby to feed back to trade company；
It is to be handed over based on intelligent mobile communication near field financial payment data that the account of third-party payment system is third-party payment system
Change the cyber money account system of system foundation；
Step 2, application of the initialization based on safe unit；
The initialization refers to that trade company completes the first of safe unit using intelligent mobile communication equipment based on the application of safe unit
Beginningization, after trade company completes registration, native applications module to the near field financial payment data exchange system based on cloud platform is submitted to
Applying digital certificate, carries out the authentication of trade company and application checking, generates key by safe unit and exports public key, by being based on
The near field financial payment data exchange system of cloud platform send public key, authentication center to issue digital card according to public key in authentication center
Book, is received after digital certificate based on the near field financial payment data exchange system of cloud platform, is handed down to native applications mould
Block, native applications module is obtained after the certificate for issuing, and calls safe unit to carry out cipher key match, completes installation and the safety of certificate
The initialization of unit；
Step 3, completes based on the mobile communication equipment near field financial payment of safe unit；
It is described to complete to refer to that trade company is being passed through based on safe unit based on the mobile communication equipment near field financial payment of 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 input in block and delivery operation is initiated, native applications module is called in intelligent mobile communication equipment
NFC components, by the chip card of issued by banks intelligent mobile communication equipment is pressed close to, and the NFC components in intelligent mobile communication equipment are read
The data in the chip card of issued by banks are taken, secure transfer protocol of the data by safe unit based on digital certificate sets up encryption
Transmission channel completes encryption, and the data after encryption are fed back to into native applications module by NFC components, and the holder of bank card is led to
The password that primary application module in intelligent mobile communication equipment input this payment transaction is crossed, native applications module concludes the business this
Data to the near field financial payment data exchange system based on cloud platform is submitted to, and the near field financial payment data based on cloud platform are handed over
The system of changing is received after encryption information, and by the data Shang Song authentication center, authentication center's certificate is to based on the near of cloud platform
Field financial payment data exchange system is simultaneously decrypted, and sends after decryption to third-party payment system, and third-party payment system connects
Receive and information above is sent to Unionpay's system after the information, Unionpay's system sends information above to banking system, department of banking
System carries out bank card information after transaction request is received and verifies and complete transaction, after success of withholing, will withhold and receive gathering
Feedback of the information to Unionpay's system, the feedback of the information is transferred to by Unionpay's system to third-party payment system and by the fund of withholing
Operation account in tripartite's payment system, third-party payment system is by the feedback of the information to the near field financial payment based on cloud platform
Data exchange system, based on the near field financial payment data exchange system of the cloud platform result data that will withhold native applications are fed back to
The interface of module, bank's cardholder is signed at the interface of native applications module, completes payment flow, the signature of holder
Picture will be retained in the payment data based on the near field financial payment data exchange system of cloud platform, and trade company is by intelligence
Mobile communication equipment views the Receiving information in the personal account of native applications module.
It is based on intelligent mobile communication near field finance that the operation account of third-party payment system is third-party payment system
Pay the cyber money account system that data exchange system is set up.
The specific embodiment of the present invention is described above.It is to be appreciated that the invention is not limited in above-mentioned
Particular implementation, those skilled in the art can within the scope of the claims make various modifications or modification, this not shadow
Ring the flesh and blood of the present invention.
Claims (8)
1. a kind of mobile device near field payment data exchange system based on safe unit, it is characterised in that it includes：
The chip card of issued by banks, the interaction for completing information is read；
Intelligent mobile communication equipment, for initiating delivery operation in native applications module；
Safe unit, is connected with the intelligent mobile communication equipment, generates for key and data encryption；
NFC components, are connected with the safe unit, for completing to be transmitted 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；
Based on the near field financial payment data exchange system of cloud platform, it is connected with the native applications module, connecing for information
Receive, process and transmit；
Third-party payment system, is connected, for Unionpay with the near field financial payment data exchange system based on cloud platform
Payment in system transfers data and transfer process of exchange；
Unionpay's system, is connected with the third-party payment system, for receive third-party payment system transmission data simultaneously
Initiate to pay request to banking system；
Banking system, is connected with Unionpay's system, and the payment for receiving Unionpay's system is asked and carries out withholding operation；
Authentication center, is connected with the near field financial payment data exchange system based on cloud platform, for encryption data and issuing
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, examination ＆ verification and binding bank card information；
Third-party payment system is accessed, for managing the third-party payment system that can be used；
Terminal user management system is united, for managing the information of displaying terminal user its relationship trading and the information of tranaction costs；
Menu manager system is received, for managing the single information of all of receipts, comprising the terminal, bank card information, the formality that produce the receipts list
Take distribution, integration distribution, the information of signature；
Background user management system, for managed operation side using system staff, the log-on message comprising staff,
Contact method, system actor, enable state.
2. the mobile device near field payment data exchange system based on safe unit according to claim 1, its feature exists
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, for supporting described trade company's management system.
3. the mobile device near field payment data exchange system based on safe unit according to claim 1, its feature exists
In the NFC components include NFC sensor and NFC controller, and NFC controller control NFC sensor carries out the reading of data
And transmission.
4. the mobile device near field payment data exchange system based on safe unit according to claim 1, its feature exists
All it is located among intelligent mobile communication equipment by integrated mode or all by link in, the safe unit and NFC components
Mode be located at outside intelligent mobile communication equipment, key generations, certificate installation, encrypting and decrypting, sign test of signing etc. are externally provided
Security service.
5. the mobile device near field payment data exchange system based on safe unit according to claim 1, its feature exists
In the native applications module has two, and the program of IOS and program and Android operation system is supported respectively.
6. the mobile device near field payment data exchange system based on safe unit according to claim 1, its feature exists
In trade company's management system, third-party payment system are accessed, terminal user management system system, receipts menu manager system, background user
Management system all adopts cloud storage platform, cloud storage platform to adopt Web development languages JAVA as first-selected support development language,
Web developer develops on Linux or Mac, disposes, debugs, and team carries out member's cooperation, different roles couple when developing
Code, project possess different authorities.
7. the mobile device near field payment data exchange system based on safe unit according to claim 1, its feature exists
In the third-party payment system is the funds transaction system that the company for possessing Third-party payment qualification in China is used.
8. a kind of mobile device near field payment data exchange method based on safe unit, it is characterised in that it includes following step
Suddenly：
Step one, opens the account based on the mobile device near field payment data exchange system of safe unit；
Step 2, application of the initialization based on safe unit；
Step 3, completes based on the mobile communication equipment near field financial payment of safe unit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610663949.9A CN106600257A (en) | 2016-08-15 | 2016-08-15 | Security-unit-based near-filed payment data exchange system and method of mobile device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610663949.9A CN106600257A (en) | 2016-08-15 | 2016-08-15 | Security-unit-based near-filed payment data exchange system and method of mobile device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106600257A true CN106600257A (en) | 2017-04-26 |
Family
ID=58555757
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610663949.9A Pending CN106600257A (en) | 2016-08-15 | 2016-08-15 | Security-unit-based near-filed payment data exchange system and method of mobile device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106600257A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109118198A (en) * | 2018-06-11 | 2019-01-01 | ***股份有限公司 | Sale point management apparatus and point of sale service management system based on intelligent terminal |
| CN109460991A (en) * | 2018-10-25 | 2019-03-12 | 孔文国 | Mobile device near field payment data exchange system and method based on safe unit |
| CN112669031A (en) * | 2020-12-14 | 2021-04-16 | 支付宝(杭州)信息技术有限公司 | Recharging-free data processing method, device, equipment and system for payment card |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102103778A (en) * | 2011-02-23 | 2011-06-22 | 中兴通讯股份有限公司 | Mobile payment system, mobile terminal and method for realizing mobile payment service |
| CN103246978A (en) * | 2013-05-06 | 2013-08-14 | 武汉瑞达信息安全***有限公司 | Mobile payment system and mobile payment implementation method |
| CN103685211A (en) * | 2012-09-26 | 2014-03-26 | 凤凰云科技（北京）有限公司 | Mobile terminal plug-in secure payment authentication device, mobile terminal secure payment authentication system and mobile terminal secure payment authentication method |
| CN104751330A (en) * | 2015-03-13 | 2015-07-01 | 广东欧珀移动通信有限公司 | Payment method and intelligent device |
| CN104809611A (en) * | 2015-04-20 | 2015-07-29 | 王宏旭 | Mobile financial payment method and system based on Internet of Things under cloud platform |
-
2016
- 2016-08-15 CN CN201610663949.9A patent/CN106600257A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102103778A (en) * | 2011-02-23 | 2011-06-22 | 中兴通讯股份有限公司 | Mobile payment system, mobile terminal and method for realizing mobile payment service |
| CN103685211A (en) * | 2012-09-26 | 2014-03-26 | 凤凰云科技（北京）有限公司 | Mobile terminal plug-in secure payment authentication device, mobile terminal secure payment authentication system and mobile terminal secure payment authentication method |
| CN103246978A (en) * | 2013-05-06 | 2013-08-14 | 武汉瑞达信息安全***有限公司 | Mobile payment system and mobile payment implementation method |
| CN104751330A (en) * | 2015-03-13 | 2015-07-01 | 广东欧珀移动通信有限公司 | Payment method and intelligent device |
| CN104809611A (en) * | 2015-04-20 | 2015-07-29 | 王宏旭 | Mobile financial payment method and system based on Internet of Things under cloud platform |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109118198A (en) * | 2018-06-11 | 2019-01-01 | ***股份有限公司 | Sale point management apparatus and point of sale service management system based on intelligent terminal |
| TWI786297B (en) * | 2018-06-11 | 2022-12-11 | 大陸商中國銀聯股份有限公司 | Smart terminal-based point-of-sale management device and point-of-sale service management system |
| CN109118198B (en) * | 2018-06-11 | 2023-04-18 | ***股份有限公司 | Point-of-sale management device and point-of-sale service management system based on intelligent terminal |
| CN109460991A (en) * | 2018-10-25 | 2019-03-12 | 孔文国 | Mobile device near field payment data exchange system and method based on safe unit |
| CN112669031A (en) * | 2020-12-14 | 2021-04-16 | 支付宝(杭州)信息技术有限公司 | Recharging-free data processing method, device, equipment and system for payment card |
| CN112669031B (en) * | 2020-12-14 | 2024-04-05 | 支付宝（中国）网络技术有限公司 | Recharging-free data processing method, device, equipment and system for payment card |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11983699B2 (en) | System built by connection between a mobile terminal and a service providing device, and service providing method | |
| US9866989B2 (en) | Payment application download to mobile phone and phone personalization | |
| CN104680361B (en) | A kind of enchashment method and system based on third-party platform | |
| KR20160030294A (en) | Methods and systems for transferring electronic money | |
| CN106296175A (en) | Method of payment, merchant tenninal, bank transaction system, client terminal and system | |
| CN103269326A (en) | Safety equipment, multi-application system and safety method for ubiquitous networks | |
| CN106600242A (en) | Method and system for carrying out near-field financial payment data exchange on the basis of mobile communication equipment | |
| CN105184556A (en) | Bluetooth-based mobile payment system and payment method | |
| KR20140070648A (en) | Method of paying for a product or service on a commercial website via an internet connection and a corresponding terminal | |
| CN105931037A (en) | Electronic cash transfer method, device and system | |
| CN104200365A (en) | Writing and paying method for electronic check | |
| CN110766397B (en) | Near field payment method based on data identification model | |
| CN106600257A (en) | Security-unit-based near-filed payment data exchange system and method of mobile device | |
| TW201911166A (en) | Two-dimensional barcode scanning transfer system with the cooperative operation of the cloud financial card APP server, the inter-bank QR code platform, the agent bank, the debit institution, the financial card switching center, and the accounting entry institution | |
| CN109460991A (en) | Mobile device near field payment data exchange system and method based on safe unit | |
| AU2012203282B2 (en) | Method and system of managing micro financial transactions on mobile communication device | |
| KR100889270B1 (en) | Method for Paying Insurance Money by Using Payment Virtual Account | |
| KR20080102345A (en) | System for paying insurance money by using payment virtual account | |
| US20130066787A1 (en) | System and treatment process of a financial transaction | |
| KR20050068500A (en) | Mobile financial transaction system by peculiar call information and the method thereof | |
| RU2010115179A (en) | REMOVAL OF MEANS TRANSFERED BY ELECTRONIC METHOD WITHOUT USING A CARD |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170426 |
|
| RJ01 | Rejection of invention patent application after publication |