Near-field payment data exchange system and method of mobile device based on security unit

A security unit and data exchange technology, which is applied in the field of near-field payment data exchange system of mobile devices, can solve problems such as potential safety hazards and loss of payment data, and achieve the effect of low cost and high handling fee

Inactive Publication Date: 2019-03-12
孔文国
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The main barrier to the use of mobile phone native applications for near-field payment lies in the security risks during the payment process. If the payment data is intercepted, the payment data will be lost

Method used

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  • Near-field payment data exchange system and method of mobile device based on security unit
  • Near-field payment data exchange system and method of mobile device based on security unit
  • Near-field payment data exchange system and method of mobile device based on security unit

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Embodiment Construction

[0042] The present invention will be described in detail below in conjunction with specific embodiments. The following examples will help those skilled in the art to further understand the present invention, but do not limit the present invention in any form. It should be noted that those skilled in the art can make several modifications and improvements without departing from the concept of the present invention. These all belong to the protection scope of the present invention.

[0043] Such as Figure 1 to Figure 5 As shown, the mobile device near-field payment data exchange system based on the security unit of the present invention includes:

[0044] The chip card issued by the bank is used to complete the interactive reading of information;

[0045] An intelligent mobile communication device for initiating payment operations in native application modules;

[0046] A security unit, connected to the smart mobile communication device, is used for secret key generation and ...

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Abstract

The invention provides a mobile device near-field payment data exchange system and method based on a security unit, the system includes a bank-issued chip card for completing interactive reading of information, an intelligent mobile communication device for initiating a payment operation in a native application module, A security unit for secret key generation and data encryption, an NFC componentfor completing the information interaction transmission with various information cards, a native application module for using hardware on the intelligent mobile communication device and feeding backa payment result thereto, a near-field financial payment data exchange system based on a cloud platform for receiving, processing and transmitting information, a third-party payment system for transferring payments in a transaction process and transmitting data to a unionpay system, and the like. The invention has low production cost and uses a plurality of third-party payment systems, which reduces the cost of POS machine used by merchants in the order collecting process.

Description

technical field [0001] The present invention relates to the field of financial payment, in particular to a system and method for near-field payment data exchange of mobile devices based on a security unit. Background technique [0002] The security element (SE) uses the public key system as the core to build a unified electronic certification service means to ensure the authenticity and reliability of remote payment transactions. As an application of SE, the security service implements multiple functions such as encryption, decryption, signature, and verification. It has a higher level of security protection for computing and storage, and provides a unified security service interface to the outside world. [0003] Near Field Communication (NFC, Near Field Communication), also known as short-range wireless communication, is a short-range high-frequency wireless communication technology that allows non-contact point-to-point data transmission and data exchange between electron...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q20/08G06Q20/10G06Q20/38G06Q20/40
CPCG06Q20/0855G06Q20/105G06Q20/352G06Q20/38215G06Q20/3825G06Q20/4014
Inventor 孔文国
Owner 孔文国
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