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NFC mobile payment communication method based on online payment

A technology of online payment and mobile payment, which is applied in the communication field of NFC mobile payment, can solve problems such as the inability to produce cooperation plans, and achieve the effects of facilitating implementation and promotion, convenient payment process, and less modification

Inactive Publication Date: 2015-03-25
SHENZHEN INTELLIGENT PREFERENTIAL PAY IT
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Since all parties want to enhance their control in NFC payment, there are too few compromises, so far it has not been possible to produce a unified and convincing cooperation plan

Method used

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  • NFC mobile payment communication method based on online payment
  • NFC mobile payment communication method based on online payment
  • NFC mobile payment communication method based on online payment

Examples

Experimental program
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Embodiment Construction

[0022] Such as figure 1 and image 3 As shown, this embodiment is a communication method of NFC mobile payment based on online payment, which realizes the payment between the payer and the recipient's collection terminal by holding a mobile terminal certified by an online payment institution, and the mobile terminal Both the payment terminal and the payment terminal have NFC modules, and the payment process includes.

[0023] S1. The payment terminal generates an order.

[0024] S2. The collection terminal communicates the order with the mobile terminal using the NFC module, and transmits the order to the mobile terminal. include:

[0025] S201. Establish NFC communication between the mobile terminal and the payment terminal.

[0026] S202. The collection terminal transmits the public key and the signature of the collection terminal to the mobile terminal.

[0027] S203. The mobile terminal verifies the public key and the signature of the payment terminal, generates and s...

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Abstract

The invention provides an NFC mobile payment communication method based on online payment. By means of the method, a payer conducts payment with a receiving party collection terminal through a handheld mobile terminal with online payment mechanism authentication, and both the mobile terminal and the collection terminal are provided with NFC modules. The payment process includes the steps that an order is generated, the order is sent to the mobile terminal, the mobile terminal conducts online payment, and the payment is finished, wherein when the order is sent to the mobile terminal, a secret key form of an asymmetric algorithm is adopted to guarantee communication safety. By the adoption of the NFC mobile payment method, the payment process is convenient to conduct, the required cooperation parties are less, reform to existing systems and devices is less, the cost is low, and application and popularization are facilitated.

Description

Technical field [0001] The invention involves the communication field of payment settlement, which is particularly involved in the combination of offline consumption and mobile payment. It is a communication method based on online payment -based NFC mobile payment. Background technique [0002] As the development of communication technologies such as the Internet is becoming more mature, online payment has become one of the important daily payment methods for people.In recent years, the popularity and update speed of smart mobile devices have been explosive, so mobile payment has been greatly expected.There are currently many mobile payment methods, such as NFC payment, QR code payment, sound wave payment, photon payment, etc.Among them, NFC payment technology was first proposed, and it was also one of the most convenient mobile payment methods.NFC payment means that when consumers purchase goods or services, they immediately use NFC technology (Near Field Communication) to compl...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/38
CPCG06Q20/3278G06Q20/3829
Inventor 潘林梁光瑞林桂培
Owner SHENZHEN INTELLIGENT PREFERENTIAL PAY IT
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