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Universal mobile payment terminal compatible with multiple operators and implementation method thereof

A technology of mobile payment and implementation method, which is applied in the direction of telephone communication, wireless communication, electrical components, etc., to achieve the effect of improving support efficiency and lowering the threshold of cooperation

Inactive Publication Date: 2012-01-18
WUHAN TIANYU INFORMATION IND
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0009] The technical problem to be solved by the present invention is to solve the problem that the existing technical solutions for realizing mobile payment are difficult to obtain the unanimous approval of mobile operators, financial institutions and third-party mobile payment operators, thereby limiting the development of the mobile payment industry

Method used

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  • Universal mobile payment terminal compatible with multiple operators and implementation method thereof
  • Universal mobile payment terminal compatible with multiple operators and implementation method thereof
  • Universal mobile payment terminal compatible with multiple operators and implementation method thereof

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Embodiment Construction

[0028] In order to realize a unified interface, meet the needs of different mobile payment operators for independently issuing cards, and reduce the threshold for mutual cooperation, the present invention provides a universal mobile payment terminal compatible with multiple operators and an implementation method. The universal mobile terminal supports multiple With the security certification of mobile payment operators, users can choose different mobile payment operators to pay through different applications, which not only facilitates users, but also balances the interests of different mobile payment operators.

[0029] The universal mobile payment terminal compatible with multiple operators provided by the present invention is realized by the following technical scheme. The universal mobile payment terminal compatible with multiple operators includes an application program module, an NFC module and multiple SEs for implementing security authentication of corresponding operators ...

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Abstract

The invention discloses a universal mobile payment terminal compatible with multiple operators and an implementation method thereof. The universal mobile payment terminal comprises an application program module, an NFC (Near Field Communication) module and a plurality of SE (Singly Entry) chips for security certification of the corresponding operators, wherein the application program module is provided with a plurality of application programs for mobile payment of different operators, the SE chips for security certification of the corresponding operators are all connected with the NFC module through a multi-channel changeover switch module, and the multi-channel changeover switch module is used for connection of the NFCP module with the corresponding SE chips according to operating modes selected by users. By adopting the unified SWP (Single Wire Protocol) interface, the automatic connection of the SE chips integrated with SIM (Subscriber Identity Module) cards, intelligent SD (Secure Digital) cards or motherboards of mobile payment terminals is realized, so that the demands for independent payment applications of different operators or third parties can be satisfied, the threshold of cooperation can be lowered, and the promotion of mobile payment business can be facilitated.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a universal mobile payment terminal compatible with multiple operators and an implementation method. Background technique [0002] With the development of communication electronic technology, especially the rapid development of smart phone technology, the demand for mobile payment to realize anytime, anywhere, and portable payment is increasing day by day, and more and more mobile terminals (especially smart phones) are beginning to support it. NFC (Near Field Communication) technology for mobile payment. [0003] There are three main technical solutions for mobile payment using NFC technology, namely standard NFC, SWP (Single Wire Protocol, NFC supporting single wire protocol) and dual interface card (single card solution based on SIM card or SD card). The difference between the three technical solutions lies in that the location of the security chip (SE, SecurityEnvironment) and ...

Claims

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Application Information

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IPC IPC(8): H04M1/725H04W88/02H04M1/72412
Inventor 董逢华吴俊军周军龙
Owner WUHAN TIANYU INFORMATION IND
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