Space self-help transference system and method for mobile phone electronic purse customer

Abstract

The invention relates to a system and a method for self-help air loading for a user of the electronic wallet of a mobile phone. The invention provides and realizes the self-help air loading service for the user of the electronic wallet of the mobile phone on the basis of an air loading system. The electronic wallet of the mobile phone refers to a payment carrier dependent on an intelligent mobilephone card such as SIMpass or RF-SIM. The invention has the advantages that a mobile phone payment business unit can use the unified mobile phone payment POS handling terminal, and a mobile phone subscriber can finish the loading to the electronic wallet of the mobile phone on the mobile phone by self help through any bank account of the subscriber.

Description

technical field [0001] The invention relates to the technical field of mobile communication and the field of finance, in particular to a system and method for self-service loading of mobile phone electronic wallet users in the air. The invention provides and realizes the air self-service transfer service of mobile phone electronic wallet users based on the mobile phone payment system. The mobile phone electronic wallet refers to a payment carrier attached to a mobile phone smart card such as SIMpass or RF-SIM. Background technique [0002] In the current field of mobile payment, SIM card-based RF-SIM and SIMPASS mobile payment have begun to appear. The RF-SIM is a SIM card-based near / medium-range wireless communication technology, which is NFC short-range wireless communication technology. A kind of communication, it embeds a module with RF radio frequency function in the SIM card, and uses 2.4G microwave frequency for data communication; the SIMpass is a multi-functional S...

AI Technical Summary

Problems solved by technology

Using SIMpass technology or RF-SIM technology, with the support of wireless communication network and mobile payment system, various on-site mobile payment services based on mobile phones can be carried out. Users who use SIMpass or RF-SIM only need to wave in front of the corresponding consumption terminal One click can complete the payment process safely and easily. In the present invention, the payment carriers attached to mobile phone smart cards such as SIMpass or RF-SIM are called mobile phone electronic wallets. The mobile phone payment system is to deposit the mobile phone electronic wallet through the pre-stored phone charges. For the mobile payment system built by the bank, the funds on the bank card account of the bank are used to transfer the mobile phone electronic wallet. Therefore, there are the following problems: 1. The bank card accounts of phone users are distributed in different banks. For banks without mobile payment systems, users cannot use their bank card accounts to load their mobile e-wallets; system, its users need to deposit cash into the telephone bill account of the telecom operator in advance; 3. For the various mobile payment systems of multiple banks and multiple operators, the same merchants need to establish their own POS acceptance terminals. In other words, it increases the difficulty of managing POS

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