System and method for remote payment and trade, mobile terminal and subscriber identity module (SIM) card

Abstract

The invention discloses a remote payment system. The remote payment system comprises a trade initiating module, a switching platform and a bank interconnection system, wherein the trade initiating module is used for initiating a payment request for a trade order and sending the payment request to the switching platform; the switching platform is used for temporarily caching the payment information, converting the payment information into a format conforming to bank interconnection norms in real time and sending the converted payment information to the bank interconnection system; and the bank interconnection system is used for paying for the trade order by means of the converted payment information. The invention also discloses a remote payment method, a remote trading system, a remote trading method, a mobile terminal and a subscriber identity module (SIM) card. According to the invention, the leakage risk of financial information of bank cards and the like is reduced, and any information related to the bank cards is not stored in the trade initiating module initiated by trades. Financial information of the bank cards and the like is encrypted, transmitted and temporarily cached in the trade process, so that users do not need to worry about the security problem of the bank card information in the payment process.

Description

technical field [0001] The present invention relates to a remote transaction system and method, in particular to a remote transaction system and method that does not store any information about bank cards on a transaction initiation terminal and has high security. Background technique [0002] A relatively common remote payment involves three roles: user, merchant and trading platform. After confirming the order initiated by the merchant, the user completes the transaction through the trading platform, and the trading platform notifies the user and the merchant of the transaction result after confirming the completion of the transaction, such as the Alipay trading platform and so on. However, in this kind of remote payment, the user needs to transfer the transaction money to the account of the transaction platform first, and the transaction will not be valid until the transaction result is confirmed by both the user and the merchant. Such remote payment involves the issue o...

AI Technical Summary

Problems solved by technology

[0005] The technical problem to be solved by the present invention is to overcome the need for remote transactions in the prior art through a third-party transaction platform, the information of users and merchants cannot be effectively protected, there are certain hidden dangers in security, the restrictions on mobile terminals are large, and the expansion In order to solve the defect of weak security, provide a remote transaction system and method that utilizes the China UnionPay payment system, effectively protects the account information of users and merchants, has strong scalability, and is convenient and fast to operate

Images