Non-contact payment method, system and mobile terminal based on electronic wallet

Abstract

The invention discloses a non-contact payment method, system and mobile terminal based on an electronic wallet. The method comprises the following steps: a point-of-sale (POS) terminal reads single-time consumption limit information stored in a mobile terminal, receives a payment request and identifies whether the consumption sum is greater than the single-time consumption limit, wherein the payment request includes the consumption sum information; if the consumption sum is not greater than the single-time consumption limit, the POS terminal interacts with a user identification module and performs transaction processing in accordance with the payment request; if the consumption sum is greater than the single-time consumption limit, the POS terminal produces and outputs a prompting message of inputting the payment password; the POS terminal receives the payment password and transmits a password verification request to the user identification module, wherein the password verification request includes the received payment password; and the user identification module verifies the payment password in the password verification request, interacts with the POS terminal after the payment password passes the verification and performs transaction processing in accordance with the payment request. Based on the condition that consumption based on the electronic wallet can meet small-payment transaction demands, the embodiment of the invention can effectively ensure the safety of the large payment.

Description

technical field [0001] The invention relates to a non-contact payment technology based on an electronic wallet, in particular to a non-contact payment method and system based on an electronic wallet, and a mobile terminal. Background technique [0002] With the realization of mobile payment technology, especially the maturity of non-contact payment technology and the significant changes in my country's communication business pattern, the non-contact payment technology based on mobile terminals, that is, mobile phones, is full of vitality and has been widely used in various fields. application. Based on the contactless payment technology of the mobile terminal, the electronic wallet information of the mobile terminal user is built into the User Identifier Module (hereinafter referred to as: UIM) or subscriber identity module (hereinafter referred to as: SIM) of the mobile terminal. middle. After storing electronic cash in the UIM or SIM (hereinafter referred to as: UIM / SIM),...

AI Technical Summary

Problems solved by technology

[0005] The use of RF communication technology and mobile smart card encryption authentication technology can only guarantee the legitimacy of POS terminals and UIM / SIM, but cannot guarantee the legitimacy of consumer users. After other users obtain mobile terminals through improper means, they may maliciously consume mobile devices. The amount in the terminal UIM / SIM

Therefore, the consumption of contactless payment technology based on electronic wallets is concentrated for small payments, which limits the application of contactless payment technology consumption based on electronic wallets in the field of large payments

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