The invention provides an intelligent
payment system based on a PBOC
payment network and a mobile terminal thereof, and relates to the technical fields of transaction
payment systems and
mobile payment. The intelligent
payment system overcomes the technical defects that a plurality of China Unionpay
solid cards in the prior art are inconvenient to carry, a current phone wallet is inconvenient to use, and the capital safety is poor. The
system comprises the mobile terminal, a POS terminal and a virtual card
server side. The mobile terminal comprises a main control module, a near-field communication module connected with the main control module, and a virtual card management module arranged in the main control module. At least one virtual card is arranged in the virtual card management module. The POS terminal is connected with the PBOC payment network and used for being matched with the near-field communication module on the mobile terminal for reading related information of the virtual card selected by the virtual card management module, sending an
authorization request to the virtual card
server side, and receiving payment response returned by the PBOC payment network. The
system solves the problem of inconvenience of carrying the China Unionpay
solid cards by users, and is convenient and fast to operate and use, money does not need to be saved in advance, the cards do not need to be recharged, capital accumulation is avoided, and capital in all the China Unionpay
solid cards is independent, and flexible to use.