Bluetooth-based mobile payment system and payment method

Abstract

The invention relates to a Bluetooth-based mobile payment system and payment method. The system comprises a payment terminal, a mobile terminal, a mobile payment background system, an authentication IC card and a financial cipher machine. The payment terminal is connected with a merchant order receiving system and is in Bluetooth wireless connection with the mobile terminal for sending a payment request to the mobile terminal. A master control module reads merchant identity information stored in the authentication IC card through a card reading module and carries out validity verification. The mobile terminal is in communication connection with the mobile payment background system through a communication module and forwards and sends the payment request to the mobile payment background system via the communication module. The financial cipher machine is in conducted connection with the mobile payment background system and carries out decryption on the payment request so that the mobile payment background system can finish payment and deduction conveniently. In such a way, the system provided by the invention can be applied to a conventional mobile terminal generally having a Bluetooth function, replacement of the mobile terminal and an SIM card is unnecessary, the cost is saved, the security is high, the system is easily accepted by users and merchants, and popularization and application are easier.

Description

technical field [0001] The invention belongs to the technical field of mobile payment, in particular to a bluetooth-based mobile payment system and payment method. Background technique [0002] 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; the entire mobile payment value chain includes mobile operators, payment service providers (such as banks, UnionPay, etc.) etc.), application providers (buses, campuses, public utilities, etc.), equipment providers (terminal manufacturers, card suppliers, chip providers, etc.), system integrators, merchants and end users. [0003] At present, the mobile payment systems on the market are all payment systems based on NFC near-field communication technology. Since the operating frequency of NFC near-field communication technology is 13.56MHz, there are very few mobile terminals such as smartphones with NFC near-field communication techn...

AI Technical Summary

Problems solved by technology

[0003] At present, the mobile payment systems on the market are all payment systems based on NFC near-field communication technology. Since the operating frequency of NFC near-field communication technology is 13.56MHz, there are very few mobile terminals such as smartphones with NFC near-field communication technology. When applying these existing mobile payment systems, users must replace special mobile terminals, and at the same time, ordinary SIM cards need to be replaced with SWP-SIM cards, which not only increases the cost, but also is very troublesome and inconvenient to promote and apply, which greatly reduces the user's cost. Experience; In addition, the existing mobile payment does not have the process of authenticating the payment terminal, which cannot prevent the use of illegal payment terminals, and the payment security is low

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