CN1835007A - Mobile payment method based on mobile communication network - Google Patents
Mobile payment method based on mobile communication network Download PDFInfo
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- CN1835007A CN1835007A CNA2006100502342A CN200610050234A CN1835007A CN 1835007 A CN1835007 A CN 1835007A CN A2006100502342 A CNA2006100502342 A CN A2006100502342A CN 200610050234 A CN200610050234 A CN 200610050234A CN 1835007 A CN1835007 A CN 1835007A
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Abstract
The invention is a mobile payment method based on mobile communication network, characterized in: adopting communication protocol and technical criterion of financial trade standard to perform bidirectional data transmission and electronic transaction between NFC mobile charging system and financial institution, and by wireless channel of mobile communication operator, adopting special communication protocol, safe protocol and encryption protocol to implement bidirectional data transmission and electronic transaction between traditional mobile terminal and NFC mobile charging system. As compared with the existing technique, it has the following outstanding advantages of: 1) it can effectively improve market competition capacity of mobile communication operator and financial institution; 2) it provides a convenient and safe payment mode for a user of handset with NFC mobile charging system, and can assure capital safety in the NFC mobile charging system; 3) the user of NFC mobile terminal need not pay fees to any financial institution.
Description
Technical field
The present invention relates to a kind of network technology of financial industry, particularly a kind of method of mobile payment based on mobile communications network.
Background technology
Traditional monetary payoff is paid in cash, and a large amount of cashes carries very inconvenience, and dangerous.Along with the progress in epoch, become fashion with " card payment ", as bank cards such as gold card, silver card, peony-cards, as everyone knows, handle bank card and need pay expense, and remit the same remittance fee that needs to pay by post, holder's bankcard consumption needn't carry cash, yet remittance fee be can't do without.How to create a kind of remittance fee that need not to pay, again can convenient, safe payment mode, become people all in the problem of thinking.
Summary of the invention
The object of the present invention is to provide a kind of method of mobile payment, adopt existing NFC technology based on mobile communications network, extension NFC The Application of Technology field, and utilize mobile communications network, a kind of brand-new method of mobile payment is proposed.Specifically, many people hold mobile phone---and the mobile communications network terminal adds that a NFC who is contained in special use on the mobile phone moves charging system, holds a mobile payment card with regard to the owner who is equivalent to mobile phone like this.
A kind of method of mobile payment based on mobile communications network, it is characterized in that: the communications protocol and the technical manual that adopt the financial industry standard, carry out NFC and move bidirectional data transfers electronic transaction between charging system 2 and the financial institution 1, wireless channel by mobile communication carrier, adopt special-purpose communication protocol, security protocol and cryptographic protocol realize that NFG portable terminal 3 and NFC move bidirectional data transfers and electronic transaction between the charging system 2, NFC moves that 2 couples of NFC of charging system supplement application program with money and the NFC recharging payment provides online version management service, start NFC voluntarily and supplement application program with money, activate the NFC recharging payment of NFC chip, finish the chip stored value card in the NFC portable terminal 3 is supplemented with money; NFC portable terminal 3 is portable terminals of a kind of NFC of containing chip, and the owner of NFC portable terminal 3 is by the cashing machine payment consumption charge of NFC portable terminal 3 to the payee.
A kind of method of mobile payment based on mobile communications network, it is characterized in that: the communications protocol and the technical manual that adopt the financial industry standard, carry out NFC and move bidirectional data transfers electronic transaction between charging system 2 and the financial institution 1, wireless channel by mobile communication carrier, adopt special-purpose communication protocol, security protocol and cryptographic protocol realize traditional mobile terminal 3 ' and NFC move bidirectional data transfers and electronic transaction between the charging system 2, NFC moves that 2 couples of NFC of charging system supplement application program with money and the NFC recharging payment provides online version management service, start NFC voluntarily and supplement application program with money, activate the NFC recharging payment of NFC chip, finish traditional mobile terminal 3 ' move rechargeable card 4 stored value cards with NFC to supplement with money; NFC moves the mobile rechargeable card that rechargeable card 4 is a kind of NFC of containing chips, and the owner that NFC moves rechargeable card 4 moves the cashing machine payment consumption charge of rechargeable card 4 to the payee by NFC.
NFC moves charging system 2 and NFC portable terminal 3 or NFC and moves stored value card data in the rechargeable card 4, by the card reader read-write of supporting the NFC standard, this card reader can be MIFARE card reader, Felica card reader or has in the card reader that NFC reads chip any one.
NFC (Near Field Communication) is a kind of very short-range wireless communication technique, and the scope of application only has several centimeters, is suitable for a kind of intuition that does not need the user to set in advance between the various devices, easy and safe communication modes.In order to make two devices carry out communication, the user must allow their near in addition contact, the NFC interface in the device can be dynamically connected and form a point-to-point networking certainly.NFC also can start other communications protocols by exchange configuration and " dialogue (session) " data, as blue bud or Wi-Fi Wi-Fi.NFC uses can divide into four fundamental types: Touch and Go, Touch and Confirm, Touch and Connect, Touch and Explore.
With prior art relatively, the present invention has following outstanding advantage: 1) method of mobile payment of the present invention meets the current network economy development requirement, can effectively promote the mobile communication carrier of employing this method and the market competitiveness of financial institution simultaneously; 2) provide a kind of convenient, safe payment mode for having the mobile phone owner that NFC moves charging system, can guarantee that NFC moves the fund security on the charging system; 3) owner of NFC portable terminal need not to pay to financial institution.
Description of drawings
Fig. 1 is a kind of NFC charging system synoptic diagram based on mobile communications network.
Fig. 2 is a NFC recharging payment process flow diagram.
Fig. 3 supplements the application structure synoptic diagram with money for NFC.
Embodiment
A kind of method of mobile payment based on mobile communications network, the NFC charging system based on mobile communications network is shown in Fig. 1 accordingly.
Fig. 2 is a NFC recharging payment process flow diagram, has described the core process of " NFC recharging payment " software in detail, and details are as follows:
1) when any NFC connection request of equipment perception, P1 will analyze the transactional services ID of its connection request immediately, if this service ID is a transaction class service ID, enter P2 immediately;
2) P2 judges whether this service ID is the transaction request that moves the service of supplementing with money, if then enter P3, otherwise enter P12;
3) P12 is the standards service process of NFC portable terminal;
4) the P3 contained mobile load value data in the service ID that will read and decode, and enter P4;
5) P4 judges whether the mobile password of supplementing with money in the number in decoding back is legal correct password, if then enter P5, otherwise enter P13;
6) P13 will send information warning to the NFC portable terminal, and enter P14 immediately, the end process flow process;
7) P5 reads the data in the NFC stored value card immediately, enters P6;
8) P6 writes the NFC stored value card with mobile load value data, enters P7;
9) P7 reads the data in the NFC stored value card once more, enters P8;
10) P8 need to judge whether the dynamic synchronous random password according to the type of service ID, if then enter P9, otherwise enter P10;
11) P9 is according to the coding scheme synchronous trading password of NFC stored value card and NFC portable terminal immediately, and enters P10;
12) P10 shows the data before and after supplementing with money, enters the P11 process ends.
Fig. 3 mainly is made up of 6 parts for NFC supplements the structural representation of application program with money, and details are as follows:
1) " J2ME system environments " refers to the standard environment of " NFC portable terminal " and " traditional mobile terminal " self configuration, follows J2ME correlation technique standard fully;
2) " NFC application protocol layer " is the exclusive underlying protocol environment of patent of the present invention, and two-way connection mechanism and application schedules management between exclusive application protocol of patent of the present invention and the J2ME agreement are provided;
3) " initialization and version management " employing identification and operational management technology automatically, if the user uses native system for the first time, this module is activated by " NFC moves charging system " automatically by meeting, automatically identification " NFC portable terminal " reaches " NFC card " identity parameter with the SIM card/UIM card number sign indicating number of " traditional mobile terminal ", and binding setting automatically, the user can't carry out any modification.In addition, this module can also be discerned corresponding version information automatically, and carries out the online upgrading of application version automatically, guarantees that NFC supplements the overall security of application with money;
4) " service of supplementing with money " the complete application service that " NFC portable terminal " and " traditional mobile terminal " are supplemented with money to " NFC card " is provided, provide comprehensive encryption support and service ID to manage to load value data;
5) " consultative management and encrypt and decrypt " provides the AutoBackground management service of the various NFC of patent of the present invention being supplemented with money two-way communication protocol, encryption mechanism, coding scheme, security protocol, trade agreement etc.;
6) " data management " general management to " NFC moves charging system " descending load value data, protocol data, encrypt data is provided, directly framework has been guaranteed safety of data and versatility on " J2ME system environments ".
Claims (3)
1, a kind of method of mobile payment based on mobile communications network, it is characterized in that: the communications protocol and the technical manual that adopt the financial industry standard, carry out NFC and move bidirectional data transfers electronic transaction between charging system (2) and the financial institution (1), wireless channel by mobile communication carrier, adopt special-purpose communication protocol, security protocol and cryptographic protocol realize that NFC portable terminal (3) and NFC move bidirectional data transfers and electronic transaction between the charging system (2), NFC moves that charging system (2) is supplemented application program with money to NFC and the NFC recharging payment provides online version management service, start NFC voluntarily and supplement application program with money, activate the NFC recharging payment of NFC chip, finish the chip stored value card in the NFC portable terminal (3) is supplemented with money; NFC portable terminal (3) is a kind of portable terminal of the NFC of containing chip, and the owner of NFC portable terminal (3) is by the cashing machine payment consumption charge of NFC portable terminal (3) to the payee.
2. method of mobile payment based on mobile communications network, it is characterized in that: the communications protocol and the technical manual that adopt the financial industry standard, carry out NFC and move bidirectional data transfers electronic transaction between charging system (2) and the financial institution (1), wireless channel by mobile communication carrier, adopt special-purpose communication protocol, security protocol and cryptographic protocol realize that traditional mobile terminal (3 ') and NFC move bidirectional data transfers and electronic transaction between the charging system (2), NFC moves that charging system (2) is supplemented application program with money to NFC and the NFC recharging payment provides online version management service, start NFC voluntarily and supplement application program with money, activate the NFC recharging payment of NFC chip, finish and traditional mobile terminal (3 ') is moved rechargeable card (4) stored value card with NFC supplement with money; NFC moves the mobile rechargeable card that rechargeable card (4) is a kind of NFC of containing chip, and the owner that NFC moves rechargeable card (4) moves the cashing machine payment consumption charge of rechargeable card (4) to the payee by NFC.
3. method of mobile payment according to claim 1 and 2, it is characterized in that: NFC moves charging system (2) and NFC portable terminal (3) or NFC and moves stored value card data in the rechargeable card (4), by the card reader read-write of supporting the NFC standard, this card reader can be MIFARE card reader, Felica card reader or has in the card reader that NFC reads chip any one.
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CNA2006100502342A CN1835007A (en) | 2006-04-07 | 2006-04-07 | Mobile payment method based on mobile communication network |
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CNA2006100502342A CN1835007A (en) | 2006-04-07 | 2006-04-07 | Mobile payment method based on mobile communication network |
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