Mobile payment terminal equipment

Abstract

The invention discloses mobile payment terminal equipment for downloading payment application and magnetic track information of a bankcard and achieving payment function to solve the problems existing in the achievement of payment function of the bankcard. The mobile terminal equipment comprises an intelligent card for storing downloaded payment application and magnetic track information of the bankcard; a middleware for collecting input information of a user, transmitting to a card issuing system, receiving the returned payment application or the magnetic track information of the bankcard from the card issuing system and transferring to the intelligent card for storage; and a communication interface for inputting or outputting the magnetic track information of the bankcard stored in the intelligent card. Compared with the conventional bankcard, the mobile terminal equipment can achieve long-distance payment or short-distance non-contact payment function to facilitate use of the users. Moreover, the mobile terminal equipment has higher safety than using the bankcard.

Description

technical field [0001] The invention relates to mobile terminal equipment, in particular to a mobile terminal equipment for downloading payment applications and bank card magnetic track information, and realizing the payment function. Background technique [0002] In the financial field, traditional payment methods are mainly realized through bank cards. The bank cards used in daily life are mainly various types of magnetic cards issued by various financial institutions, such as debit cards, credit cards, credit cards, etc., which can realize various payment functions through various payment terminals such as ATM machines, bank self-service equipment, etc. . Bank cards are very convenient to use. [0003] However, bank cards with magnetic stripe media have the following disadvantages: [0004] First, after the bank card has been used many times, the magnetic track information on the card is easy to wear and lose; [0005] Second, the security of the magnetic track inform...

AI Technical Summary

Problems solved by technology

[0004] First, after the bank card has been used many times, the magnetic track information on the card is easy to wear and lose;

[0005] Second, the security of the magnetic track information is poor because the bank card is issued through the punch card machine;

[0006] Third, since the magnetic stripe card can copy the magnetic stripe information only with a simple magnetic stripe reading and writing device, there is no security control mechanism, so it is easy to be stolen after being lost;

[0008] Fifth, remote real-time transactions cannot be carried out

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