Method and system for establishing data channel of mobile payment

Abstract

The invention discloses a method for establishing a data channel of mobile payment, which comprises the following steps that: (1) an NFC communication module arranged in a card reader polls an NFC transaction module, if the NFC transaction module is detected, the step (2) is performed, otherwise the polling is performed continuously; (2) the NFC communication module and the NFC transaction moduleestablish a radio frequency connection to read identification information provided by the NFC transaction module and transmit the identification information to a processor module arranged in the cardreader; (3) the processor module controls a radio frequency communication module and a radio frequency SIM card module to establish a radio frequency connection according to the identification information provided by the NFC transaction module, and establish the data channel between the NFC transaction module and the radio frequency SIM card module; and (4) the data channel is used for finishing a mobile payment function, an air earmarked balance inquiry and the like. The invention also discloses a system for establishing the data channel of the mobile payment, which comprises the card readerand a mobile communication terminal, wherein the card reader is provided with the NFC communication module, the radio frequency communication module and the processor module; and the mobile communication terminal is provided with the NFC transaction module and the radio frequency SIM card module. The method and the system can expand the technical functions and the service range of the existing mobile payment system.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a method and system for establishing a data channel between an NFC transaction module and a radio frequency SIM card module. Background technique [0002] Mobile payment, also known as mobile payment, is a service method that allows users to use their mobile terminals (usually mobile phones) to pay for the goods or services they consume, such as swiping cards to buy tickets when taking a bus or subway. You can swipe your card to buy movie tickets in cinemas, and you can swipe your card to pay in supermarkets or hotels. The entire mobile payment value chain includes mobile operators, payment service providers, application providers, equipment providers, system integrators, merchants and end users. [0003] At present, the implementation of mobile payment mainly relies on the following technologies: [0004] 1. NFC (Near Field Communication, short-range wireless communication) mobil...

AI Technical Summary

Problems solved by technology

[0008] However, various existing technologies have their own problems that are difficult to solve, and it is difficult to promote them in practical applications.

[0009] First of all, NFC mobile phone technology requires the user to replace the mobile phone, and the cost of technology upgrade is high

Moreover, the number of mobile phones supporting NFC technology in the market is currently small, which cannot meet the needs of users for personalized selection.

[0010] Secondly, the dual-interface smart card used by SIM Pass technology generally has a small capacity, and it is difficult to meet the needs of various mobile operators for one card with multiple functions

In addition, the cost of flexible antennas is high, and the problem of connection stability has not been completely solved

At the same time, mobile phone SIM card holders have different shapes, and different shapes require different flexible antennas, which undoubtedly makes it difficult for users to accept

[0011] Third, the film card technology also needs to use a flexible PCB antenna, which will cause the same problems as the SIM Pass technology

[0012] Fourth, the frequency band used by the radio frequency SIM card technology has strong penetrating power and cannot realize real NFC communication, and the distance control made by the existing technology cannot guarantee the information security of the transaction process

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