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Method and system for information interaction

A technology for information interaction and transaction information, applied in the field of communication, to achieve the effect of expanding the scope of transactions

Active Publication Date: 2015-05-27
HUAWEI TEHCHNOLOGIES CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The disadvantage of this kind of payment business is that it must be at a short distance, and proprietary equipment such as POS machines must be used, and the POS machines need to be modified, and additional hardware circuits must be added to the mobile terminal.

Method used

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  • Method and system for information interaction
  • Method and system for information interaction

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0039] This embodiment provides an interactive method to achieve transactions between individuals without special equipment between users, and at the same time, this method can ensure that this technology is a safe transaction under effective supervision. In order to realize the individual-to-individual transaction based on the user identification module, it is necessary to establish a complete and reliable protocol, and at the same time choose a credible medium as the carrier.

[0040] The user who conducts the transaction first must have a legal user identification module. When starting the transaction, the transaction order is sent through media, such as short messages and voice calls. The transaction initiator sends the first transaction order, including the content of the transaction. , order serial number, transaction certificate number.

[0041] In order to improve the safety factor of the transaction, the initiator of the transaction will apply for a transaction licens...

Embodiment 2

[0047] image 3 is an overall architecture diagram of the information interaction system according to Embodiment 2, such as image 3 As shown, the transaction party A and the transaction party B constitute the two parties of a personal transaction, and the transaction license certificate center is used to issue the license certificate, which is issued to both parties through the application gateway and mobile network (for example, composed of base stations); the transaction records and The amount is stored on the Subscriber Identification Module used by the mobile terminal.

[0048] The implementation method of this personal payment service based on the user identification module is to establish a set of transaction mechanism, including transaction license certificate, transaction serial number, transaction information, and realize financial transactions between mobile terminals through a unified transaction description language. The unified transaction description language c...

Embodiment 3

[0051] Figure 4 It is a flow chart of the transaction interaction between the two parties according to Embodiment 3, and the following is passed Figure 4 Describes the process of a transaction between the two parties under the framework described in Embodiment 2, including the following steps:

[0052] Step 401: The transaction initiator sends a card (ie subscriber identification module) APDU command to open the default channel 0;

[0053] Step 402: Whether the corresponding channel of the card is opened, if the opening fails, the transaction cannot be initiated, and the business ends, if the opening is successful, enter the next step;

[0054] Step 403: Select the application file of the operator according to the application identification code (Application Identification, referred to as AID) given by the operator by opening the channel (for example, according to the AID formulated by telecommunications, offline wallet, national electronic wallet file, etc. can be selected...

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Abstract

The present invention discloses a method and system for information interaction. The method includes: a mobile terminal of an initiation party sends a transaction amount to a mobile terminal of an object party (S102); the mobile terminal of the object party sends transaction agreement information to the mobile terminal of the initiation party (S104); the mobile terminal of the initiation party controls the User Identification Module (UIM) corresponding to itself to adjust the user balance of the initiation party according to the transaction amount, and returns transaction confirmation information to the mobile terminal of the object party (S106); the mobile terminal of the object party controls the UIM corresponding to itself to adjust the user balance of the object party according to the transaction amount (S108). The present invention can implement the daily person-to-person transactions.

Description

technical field [0001] The present invention relates to the communication field, in particular, to an information interaction method and system. Background technique [0002] At present, it has become more and more common to use mobile terminal equipment to implement payment services. Near Field Communication (NFC for short) mobile terminal payment near field communication technology is gradually becoming popular, but its transaction method is very rigid, and additional hardware circuits must be added on the mobile terminal side, and handheld devices (for example, The function of the sales terminal (Point of Service, referred to as POS machine) is to perform non-contact close interaction with the mobile terminal through the handheld device (such as the POS machine), and transfer the currency symbol from the mobile terminal side to the handheld device. [0003] The shortcoming of this kind of payment service is that it must be short-distance, and special equipment such as PO...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): H04W12/06H04M1/725G06Q20/16H04W12/069
CPCH04W4/24
Inventor 侯宇明
Owner HUAWEI TEHCHNOLOGIES CO LTD
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