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Intelligent payment system based on PBOC payment network and mobile terminal thereof

A mobile terminal and intelligent payment technology, which is applied in the transaction payment system and mobile payment field, can solve the problems of poor fund security, inconvenient use of mobile wallets, and inconvenience of carrying multiple UnionPay physical cards, so as to achieve flexible use of funds and improve account security , Easy to operate and use

Active Publication Date: 2014-09-17
深圳市可秉资产管理合伙企业(有限合伙)
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In summary, the purpose of the present invention is to solve the inconvenience of carrying multiple existing UnionPay physical cards, the inconvenience of using the current mobile wallet, and the technical deficiencies of poor fund security, and propose a smart payment based on the PBOC payment network System and its mobile terminal

Method used

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  • Intelligent payment system based on PBOC payment network and mobile terminal thereof
  • Intelligent payment system based on PBOC payment network and mobile terminal thereof
  • Intelligent payment system based on PBOC payment network and mobile terminal thereof

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Embodiment Construction

[0023] The structure of the present invention will be further described below in conjunction with the accompanying drawings and preferred specific embodiments of the present invention.

[0024] refer to figure 1 As shown in Fig. 2, the intelligent payment system based on the PBOC payment network proposed by the present invention includes: a mobile terminal, a POS terminal connected to the PBOC payment network and a virtual card server.

[0025] With the mature development of the embedded operating system, the mobile terminal can be a dedicated device that includes an NFC (near field communication abbreviation, that is, short-range wireless communication technology) module and is installed with an embedded operating system; it can also be a smart phone with an NFC module , Tablet PC, MP4 (such as: iPod touch) and other smart devices.

[0026] refer to figure 2 As shown in , the mobile terminal also includes a main control module and a near-field communication module connecte...

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Abstract

The invention provides an intelligent payment system based on a PBOC payment network and a mobile terminal thereof, and relates to the technical fields of transaction payment systems and mobile payment. The intelligent payment system overcomes the technical defects that a plurality of China Unionpay solid cards in the prior art are inconvenient to carry, a current phone wallet is inconvenient to use, and the capital safety is poor. The system comprises the mobile terminal, a POS terminal and a virtual card server side. The mobile terminal comprises a main control module, a near-field communication module connected with the main control module, and a virtual card management module arranged in the main control module. At least one virtual card is arranged in the virtual card management module. The POS terminal is connected with the PBOC payment network and used for being matched with the near-field communication module on the mobile terminal for reading related information of the virtual card selected by the virtual card management module, sending an authorization request to the virtual card server side, and receiving payment response returned by the PBOC payment network. The system solves the problem of inconvenience of carrying the China Unionpay solid cards by users, and is convenient and fast to operate and use, money does not need to be saved in advance, the cards do not need to be recharged, capital accumulation is avoided, and capital in all the China Unionpay solid cards is independent, and flexible to use.

Description

technical field [0001] The invention relates to the technical field of transaction payment system and mobile payment. Background technique [0002] In daily life, due to various reasons, people will apply for multiple UnionPay physical cards (such as debit cards, credit cards) of different banks. When going out, they will carry multiple UnionPay physical cards in their wallets, which is inconvenient to carry; If it is stolen or lost, it is necessary to urgently report the loss to all issuing banks of UnionPay physical cards, which is inconvenient to operate. Due to regulatory restrictions, integrating a PBOC UnionPay physical card issued by a bank into a mobile phone application requires a lengthy and costly procedure. [0003] At present, although mobile communication companies or banks have launched services such as mobile wallet transaction payment, the operation process is not convenient. Before swiping the mobile phone for consumption, it is necessary to pre-deposit su...

Claims

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Application Information

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IPC IPC(8): G06Q20/34G06Q20/18G06Q20/36G06Q20/32G06Q20/28
CPCG06Q20/325G06Q20/351G06Q20/367
Inventor 潘昕谢祥臻
Owner 深圳市可秉资产管理合伙企业(有限合伙)
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