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Method and device for realizing remote payment

A remote payment and command technology, applied in the payment system, payment system structure, security communication device, etc., can solve the problems of low security level, narrow use range, unfavorable promotion and application, etc., and achieve the goal of ensuring security and improving security Effect

Inactive Publication Date: 2016-02-10
ZTE CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The method of remote payment using Taobao mobile phone and remote payment with external card swiping equipment may lack security guarantees, the security level is low, and the scope of use is narrow; or due to the need to purchase additional equipment, the cost and security of maliciously collecting user bank card information Risk, not conducive to popularization and application

Method used

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  • Method and device for realizing remote payment
  • Method and device for realizing remote payment
  • Method and device for realizing remote payment

Examples

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Embodiment 1

[0094] In this embodiment, the smart card is set as a SIM, and the embodiment is described by taking the SIM as an example.

[0095] Step 300: Create an extended elementary file (such as an ElementFile (EF) USBKey) on the SIM card for storing the certificate supporting the USBKey function. The payment application client is installed based on the established extended base file.

[0096] Step 301, setting USBKey and USBKey processing unit in the SIM card;

[0097] Step 302 , the payment application client sends a command related to the USBKey, and judges whether the command related to the USBKey is a command in APDU format that can be recognized by the USBKey processing unit; if yes, execute step 3030 ; otherwise, execute 3040 .

[0098] Step 3030, the smart card receives the PIN2 code from the user, and judges whether the PIN2 code input by the user is consistent with the PIN2 code preset by the terminal. The USBKey function is turned on, making it in the enabled state. Exec...

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Abstract

The invention discloses a method and a device for realizing remote payment. The method for realizing remote payment is characterized in that a smart card of a mobile terminal comprises a USB Key, and the internal part of the smart card is provided with a USB Key processing unit; a payment application client sends a command related with the USB Key; a conversion driving unit converts the command related with the USB Key into a command with an application protocol data unit (APDU) format; and the USB Key processing unit receives and reads the command with the APDU format so as to activate the USB Key to execute a remote payment instruction. According to the invention, the USB Key is arranged on the smart card of the mobile terminal, the command related with the USB Key is converted into the command with the APDU format through the conversion driving unit, the USB Key processing unit receives and reads the command with the APDU format so as to activate the USB Key to execute the remote payment instruction. Remote payment is ensured to be realized safely, and additional hardware cost is not required.

Description

technical field [0001] The present application relates to the field of mobile payment, in particular to a method and device for realizing remote payment. Background technique [0002] With the rapid popularization of smartphones, the mobile Internet has developed rapidly. As an important application of mobile Internet, mobile payment has attracted the attention of the whole society due to its convenient, fast and fashionable features. Mobile payment is a method of electronic payment, also known as mobile payment, which means that both parties to a transaction use mobile terminal equipment as a carrier to realize transaction payment through mobile communication network or near field communication technology for a certain commodity or service. According to the specific interaction process of payment, mobile payment can be divided into near-field payment and remote payment. Near-field payment refers to the payment method in which the mobile terminal completes the payment proc...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/38
CPCG06F21/34G06F21/71G06Q20/326G06F21/445G06F21/77G06Q20/105G06Q20/341G06Q20/3563G06Q20/3674G06Q20/40H04L9/00
Inventor 吴传喜
Owner ZTE CORP
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