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Mobile payment method between two mobile terminals on basis of digital certificate SIM (Subscriber Identity Module) cards

A mobile terminal, digital certificate technology, applied in the payment system structure, data processing application, instrument and other directions, can solve the problems of high investment and huge investment, and achieve the effect of saving investment, easy implementation, simple and effective implementation

Inactive Publication Date: 2014-04-23
XIAMEN ELITE ELECTRIC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, to solve the popularization of mobile payment, high investment is often required. If payment terminals are to be laid everywhere, this will undoubtedly be a huge investment

Method used

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  • Mobile payment method between two mobile terminals on basis of digital certificate SIM (Subscriber Identity Module) cards
  • Mobile payment method between two mobile terminals on basis of digital certificate SIM (Subscriber Identity Module) cards
  • Mobile payment method between two mobile terminals on basis of digital certificate SIM (Subscriber Identity Module) cards

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Experimental program
Comparison scheme
Effect test

Embodiment

[0024] A mobile payment method between two mobile terminals based on a digital certificate SIM card of the present invention is to use the first mobile terminal with the customer mode APP application software preset, and the second mobile terminal with the merchant mode APP application software preset. It is realized between the terminal and the cloud service platform pre-installed with identity authentication processing software and transaction processing software for consumption / service, and the first mobile terminal and the second mobile terminal are respectively equipped with digital certificate SIM cards, which includes the following steps:

[0025] The first mobile terminal starts the customer mode APP application software, and the first mobile terminal sends an instruction to the first MCU of the first digital certificate SIM card in the first mobile terminal, and the first MCU passes the first digital certificate embedded in the first digital certificate SIM card. The b...

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PUM

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Abstract

The invention discloses a mobile payment method between two mobile terminals on the basis of digital certificate SIM (Subscriber Identity Module) cards. Between two mobile terminals with the DC SIM cards, respective card ID (Identity) information is sent in a broadcasting manner by utilizing Bluetooth slave equipment of the CA-SIM (Certificate Authority-Subscriber Identity Module) cards (mobile phone subscriber identification cards with digital certificates subjected to personal identity authentication) of the two mobile terminals, then the card ID information transmitted by the CA-SIM cards is scanned by Bluetooth master equipment of the two mobile terminals, settlement is carried out with a payment system at a cloud terminal in an online manner, personal identity and account information of a consumer is authenticated by a server at the cloud terminal in an online manner and payment of transaction is completed. According to the invention, the handshake process of firstly establishing connection in the data transmission does not need to be completed, so that data is more simple, convenient and rapid to transmit; and mobile payment between the mobile terminals and a payment terminal POS (Point Of Sale) machine can be implemented by utilizing two mobile terminals, so that the aims of saving investment and bringing convenience to consumers are fulfilled.

Description

technical field [0001] The invention relates to the application field of mobile payment, in particular to a mobile payment method between two mobile terminals based on a digital certificate SIM card. 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. Mobile payment in a broad sense refers to the process in which both parties to a transaction exchange financial value through mobile terminal devices for a certain commodity or service. Mobile payment in a narrow sense refers to the transfer and payment of monetary funds in a non-voice manner through mobile phone terminals based on wireless communication technology. [0003] In the information age, especially with the rise of the mobile Internet, smart phones have become ideal terminals for the mobile Internet and are favored by individual users. Application products...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/34
CPCG06Q20/3229G06Q20/3278
Inventor 李健诚王占琪朱冲吴午川赵成武
Owner XIAMEN ELITE ELECTRIC
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