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Mobile payment method and terminal

A mobile payment and terminal technology, applied in the payment system, payment system structure, instruments, etc., can solve the problems of easy data theft and poor security.

Inactive Publication Date: 2016-11-16
YULONG COMPUTER TELECOMM SCI (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] It can be seen from the above that HCE based on running applications is a relatively simple way to realize SE functions. However, in the process of implementing this method, data storage and processing are often directly carried out on terminal applications, which makes data easy to be stolen. taken, so the security of this method is poor

Method used

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Embodiment Construction

[0045] Embodiments of the present invention provide a mobile payment method and terminal, which can provide the security of the HCE host card simulation function, thereby ensuring the security of user data.

[0046] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are the embodiment of the present invention. Some examples, but not all examples. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts shall fall within the protection scope of the present invention.

[0047] The terms "first", "second" and "third" appearing in the specification, claims and drawings of the present invention are used to dis...

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Abstract

The invention provides a mobile payment method and terminal. The method is used for a terminal with a common system and a safety system. The method comprises the steps: judging whether the radio frequency information is used for mobile payment or not when the radio frequency information of NFC is received; enabling the radio frequency information to be routed to the safety system when the radio frequency information is used for mobile payment; judging whether the radio frequency information is used for the access to a preset application or not, wherein the preset application is an application, which is installed in the safety system, based on the card simulation of a host; judging whether a current system is the safety system or not when the radio frequency information is used for the access to the preset application; and allowing the radio frequency information to access to the preset application if the current system is the safety system. Therefore, according to the technical scheme of the invention, the method can improve the safety of a function of car simulation of an HCE host, and guarantees the data safety of a user.

Description

technical field [0001] The invention relates to the field of terminals, in particular to a mobile payment method and a terminal. Background technique [0002] In recent years, with the development and popularization of terminals (such as smart phones, tablet computers, etc.), terminals have become an indispensable part of people's daily life. Since most terminals now have an NFC (Near Field Communication, near field communication) function, a user can perform mobile payment through the NFC of the terminal. Wherein, it should be pointed out that the application for mobile payment through NFC, the data related to the application, and the chip module for implementing security key calculation are all stored in SE (Security Element, security module). [0003] In the prior art, there is a HCE (host-based card emulation, host-based card simulation) technology, through which an application is run to complete the function of SE (Security Element, security module), when mobile paymen...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/38
CPCG06Q20/3278G06Q20/382
Inventor 张子敬
Owner YULONG COMPUTER TELECOMM SCI (SHENZHEN) CO LTD
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