Offline mobile payment method and system

Abstract

The invention discloses an offline mobile payment method. The method can realize non-contact type offline payment of a POS terminal, and result of the non-contact type offline payment is the same with that of card swiping payment. The method comprises that software is used to process source data including magnetic stripe information of a bankcard so that the source data passes a coding unit and a waveform modulation unit successively, and a modulation signal is generated; a smart phone outputs the modulation signal to a magnetic pulse emitter; the magnetic pulse emitter converts the modulation signal into a magnetic pulse signal, and transmits the magnetic pulse signal to a magnetic head of the POS terminal; and the POS terminal converts the magnetic pulse signal into magnetic stripe information of the bankcard, and payment is carried out. The invention also discloses an offline mobile payment system corresponding to the method.

Description

technical field [0001] The invention belongs to the field of offline mobile payment, and in particular relates to an offline mobile payment method and system thereof. Background technique [0002] A magnetic card is a card-shaped magnetic recording medium, which uses a magnetic carrier to record character and digital information for identifying the cardholder or for other purposes. For example, the bank card we use is the most common magnetic card. Usually, one side of the magnetic card used in the banking system is printed with descriptive information, and the other side is provided with a magnetic stripe. The magnetic stripe generally has 3 magnetic tracks to record relevant information data (including main account number, valid date and other information). Among them, the first track is an alphanumeric track, the second track is a digital track, and the third track is a read-write track. The encoding of magnetic stripes is described in the international standards ISO 7...

AI Technical Summary

Problems solved by technology

[0007] 2) The position of the magnetic card in the wallet or wallet is too close to the magnetic clasp, which will cause the magnetic medium on the card to be degaussed and destroyed;

[0008] 3) Due to careless storage or use, the magnetic card is subjected to external force and the magnetic stripe information on the card is lost, such as the magnetic card is compressed, folded, scratched, dirty, etc.;

[0009] 4) Inadvertently put two magnetic cards together back to back, causing their magnetic media to rub and collide with each other and be damaged

The core functional units of the system, including waveform generation and shaping, are all implemented by hardware, which is limited in meeting flexibility and low power consumption

Moreover, when implementing mobile payment in the form of peripherals (relative to being integrated into mobile phones) of the magnetic stripe information transmission device, it cannot be passive because of its large power consumption.

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