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Financial card, mobile terminal and mobile payment system

A mobile terminal and financial card technology, applied in the fields of financial cards, mobile terminals and mobile payment systems, can solve the problems of poor versatility and portability, and cannot meet the control needs of payment institutions such as UnionPay, and achieves enhanced versatility and portability. performance, enhancing versatility and portability

Inactive Publication Date: 2014-12-24
ZTE CORP
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] Aiming at technical problems such as the lack of versatility and transplantability of existing mobile payment schemes in related technologies, and the inability to meet the control requirements of payment institutions such as UnionPay, the present invention provides a financial card, a mobile terminal and a mobile payment system, with at least solve the above problems

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  • Financial card, mobile terminal and mobile payment system
  • Financial card, mobile terminal and mobile payment system
  • Financial card, mobile terminal and mobile payment system

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Embodiment Construction

[0029] Hereinafter, the present invention will be described in detail with reference to the drawings and examples. It should be noted that, in the case of no conflict, the embodiments in the present application and the features in the embodiments can be combined with each other.

[0030] figure 1 It is a structural block diagram of a financial card according to an embodiment of the present invention. Such as figure 1 As shown, the financial card includes: a substrate 10, an IC card chip 101 for financial payment function, and a near field communication module 103, wherein the IC card chip 101 is arranged on the substrate 10, and the near field communication module 103 is arranged on the substrate 10, coupled with the IC card chip 101, used to send the payment information generated when the IC card chip 101 conducts transactions with the external reader to the mobile terminal.

[0031] With the financial card provided in the above embodiments, since a near-field communicatio...

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Abstract

The invention provides a financial card, a mobile terminal and a mobile payment system, wherein the financial card comprises a substrate and an IC card chip for performing a financial payment function. The IC card chip is arranged on the substrate. The financial card further comprises a near-field communication module. The near-field communication module is arranged on the substrate and is coupled with the IC card chip and is used for transmitting payment information generated in transaction of the IC card chip with an outer reader to the mobile terminal. The financial card according to the technical solution provided by the utility model settles the technical problems of low versatility, low transplantability and incapability of satisfying the control requirement of payment mechanisms of Unionpay, etc. in existing mobile payment solution in related technique, thereby improving versatility and transplantability of the financial card, and furthermore improving versatility and transplantability of the mobile payment mode. Furthermore, dominance of the mobile payment solution by the Unionpay without restriction by mobile service operators can be realized.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a financial card, a mobile terminal and a mobile payment system. Background technique [0002] Near Field Communication, also known as Near Field Communication (NFC for short) technology is a near field communication technology evolved through RFID, and mobile payment is one of the most important functions of NFC. Security, the NFC mobile payment system needs to have a secure element (Secure Element, referred to as SE). According to the location of the SE, there are three different solutions for NFC-based mobile payment services: NFC full terminal (SE is built into the mobile phone hardware), near-field communication single-wire protocol (NFC Single Wire Protocol, referred to as NFC-SWP) ( SE is built into the SIM card), NFC-SD card (SE is built into the SD card). [0003] Due to the existence of these three different ways of SE, many disputes have been brought about. Everyone wan...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/34G06Q20/42
CPCG06Q20/3226G06Q20/3278G06Q20/3415G06Q20/42
Inventor 朱冰徐刚
Owner ZTE CORP
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