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CN1835007A - Mobile payment method based on mobile communication network - Google Patents

Mobile payment method based on mobile communication network Download PDF

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Publication number
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
Authority
CN
China
Prior art keywords
nfc
mobile
charging system
card
protocol
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CNA2006100502342A
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Chinese (zh)
Inventor
卢颎之
钱沈钢
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
ZHEJIANG PUTONG COMMUNICATION TECHNOLOGY Co Ltd
Original Assignee
ZHEJIANG PUTONG COMMUNICATION TECHNOLOGY Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by ZHEJIANG PUTONG COMMUNICATION TECHNOLOGY Co Ltd filed Critical ZHEJIANG PUTONG COMMUNICATION TECHNOLOGY Co Ltd
Priority to CNA2006100502342A priority Critical patent/CN1835007A/en
Publication of CN1835007A publication Critical patent/CN1835007A/en
Pending legal-status Critical Current

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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

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

Method of mobile payment based on mobile communications network
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.
CNA2006100502342A 2006-04-07 2006-04-07 Mobile payment method based on mobile communication network Pending CN1835007A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
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Cited By (35)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101261709A (en) * 2008-04-21 2008-09-10 中兴通讯股份有限公司 Online payment method and system using the mobile terminal supporting eNFC function
WO2009087539A1 (en) 2008-01-04 2009-07-16 Logomotion, S.R.O. Method and system of authenticity particularly at the payments, identifier of identity and/or approval
CN101334913B (en) * 2008-05-08 2010-07-14 上海柯斯软件有限公司 Method for receiving and processing multi-terminal information by self-adapting SIM chip operating system
CN101887617A (en) * 2010-07-13 2010-11-17 武汉天喻信息产业股份有限公司 Method and system for establishing data channel of mobile payment
CN101414395B (en) * 2007-10-18 2010-11-17 中华电信股份有限公司 Electronic purse Combi-SIM card architecture of non-contact transceiver combining action apparatus
CN101894430A (en) * 2010-07-09 2010-11-24 北京银达润和科技发展有限公司 Mobile payment terminal, system and mobile payment method
CN101933246A (en) * 2008-01-30 2010-12-29 电子湾有限公司 Near field communication intialization
WO2010148646A1 (en) * 2009-06-25 2010-12-29 中国银联股份有限公司 Method for safely and automatically downloading terminal master key in bank card payment system and the system thereof
WO2011004339A1 (en) 2009-07-08 2011-01-13 Logomotion, S.R.O. Method and system of contactless authentication, and carrier of pin code
CN101604467B (en) * 2008-06-10 2011-03-16 关贸网路股份有限公司 Method for processing consumer information
WO2011035515A1 (en) * 2009-09-25 2011-03-31 国民技术股份有限公司 Identification method and system for wireless payment
CN101661548B (en) * 2008-08-28 2011-08-17 中国科学院声学研究所 Communication method for CLF chip and SIM card
CN102272722A (en) * 2009-01-08 2011-12-07 德国捷德有限公司 Method for installing an electronic ticket and/or payment application on a mobile terminal
CN101799955B (en) * 2009-11-20 2011-12-28 飞天诚信科技股份有限公司 Method for operating double electronic purses
CN102356626A (en) * 2009-03-19 2012-02-15 Nxp股份有限公司 Method for top-up information and computer device
CN102567879A (en) * 2010-12-30 2012-07-11 姚立和 Wireless safety transaction payment system and method
US8224375B2 (en) 2009-05-01 2012-07-17 Qualcomm Incorporated Proximity purchase ringtones
WO2012113333A1 (en) * 2011-02-25 2012-08-30 惠州Tcl移动通信有限公司 One-card system on mobile communication terminal
US8406809B2 (en) 2009-05-03 2013-03-26 Logomotion, S.R.O. Configuration with the payment button in the mobile communication device, the way the payment process is started
US8500008B2 (en) 2009-04-24 2013-08-06 Logomotion, S.R.O Method and system of electronic payment transaction, in particular by using contactless payment means
CN103477358A (en) * 2010-12-03 2013-12-25 谷歌公司 Multiple contactless device interactions and communication protocols per tap
US8666891B2 (en) 2007-07-11 2014-03-04 Qualcomm Incorporated Mobile wireless financial instrument for automatically selecting a payment instrument
US8737983B2 (en) 2008-03-25 2014-05-27 Logomotion, S.R.O. Method, connection and data carrier to perform repeated operations on the key-board of mobile communication device
US8799084B2 (en) 2008-09-19 2014-08-05 Logomotion, S.R.O. Electronic payment application system and payment authorization method
US9054408B2 (en) 2008-08-29 2015-06-09 Logomotion, S.R.O. Removable card for a contactless communication, its utilization and the method of production
US9081997B2 (en) 2008-10-15 2015-07-14 Logomotion, S.R.O. Method of communication with the POS terminal, the frequency converter for the post terminal
US9098845B2 (en) 2008-09-19 2015-08-04 Logomotion, S.R.O. Process of selling in electronic shop accessible from the mobile communication device
CN105228087A (en) * 2015-09-06 2016-01-06 宁波大学 Based on the mobile payment encryption method of near-field communication
CN105228088A (en) * 2015-09-06 2016-01-06 宁波大学 The self refresh public-key cryptographic keys switching method of mobile payment near-field communication
CN105376704A (en) * 2015-12-18 2016-03-02 宁波大学 Mobile wallet near-field communication payment method based on image encryption
CN105809426A (en) * 2014-12-31 2016-07-27 北京数码视讯科技股份有限公司 Mobile payment processing method and device
US9456346B2 (en) 2006-07-25 2016-09-27 Virginia Innovation Science, Inc Method and system for improving client server transmission over fading channel with wireless location and authentication technology via electromagnetic radiation
CN106255983A (en) * 2014-04-02 2016-12-21 菲德斯墨公司 The safety of application data is downloaded and payment link
CN106453260A (en) * 2006-10-02 2017-02-22 赛乐得公司 Method and system for improving client server transmission over fading channel
US10134025B2 (en) 2011-09-18 2018-11-20 Google Llc One-click offline buying

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US9456346B2 (en) 2006-07-25 2016-09-27 Virginia Innovation Science, Inc Method and system for improving client server transmission over fading channel with wireless location and authentication technology via electromagnetic radiation
CN106453260B (en) * 2006-10-02 2019-07-19 赛乐得科技(北京)有限公司 For improving the method and system of transmission of the client server in fading channel
CN106453260A (en) * 2006-10-02 2017-02-22 赛乐得公司 Method and system for improving client server transmission over fading channel
US9972002B2 (en) 2007-07-11 2018-05-15 Qualcomm Incorporated Mobile wireless financial instrument for automatically selecting a payment instrument
US8666891B2 (en) 2007-07-11 2014-03-04 Qualcomm Incorporated Mobile wireless financial instrument for automatically selecting a payment instrument
CN101414395B (en) * 2007-10-18 2010-11-17 中华电信股份有限公司 Electronic purse Combi-SIM card architecture of non-contact transceiver combining action apparatus
WO2009087539A1 (en) 2008-01-04 2009-07-16 Logomotion, S.R.O. Method and system of authenticity particularly at the payments, identifier of identity and/or approval
US8275364B2 (en) 2008-01-04 2012-09-25 Logomotion, S.R.O. Systems and methods for contactless payment authorization
CN101933246A (en) * 2008-01-30 2010-12-29 电子湾有限公司 Near field communication intialization
US8737983B2 (en) 2008-03-25 2014-05-27 Logomotion, S.R.O. Method, connection and data carrier to perform repeated operations on the key-board of mobile communication device
CN101261709A (en) * 2008-04-21 2008-09-10 中兴通讯股份有限公司 Online payment method and system using the mobile terminal supporting eNFC function
CN101261709B (en) * 2008-04-21 2015-04-01 中兴通讯股份有限公司 Online payment method and system using the mobile terminal supporting eNFC function
CN101334913B (en) * 2008-05-08 2010-07-14 上海柯斯软件有限公司 Method for receiving and processing multi-terminal information by self-adapting SIM chip operating system
CN101604467B (en) * 2008-06-10 2011-03-16 关贸网路股份有限公司 Method for processing consumer information
CN101661548B (en) * 2008-08-28 2011-08-17 中国科学院声学研究所 Communication method for CLF chip and SIM card
US9054408B2 (en) 2008-08-29 2015-06-09 Logomotion, S.R.O. Removable card for a contactless communication, its utilization and the method of production
US9098845B2 (en) 2008-09-19 2015-08-04 Logomotion, S.R.O. Process of selling in electronic shop accessible from the mobile communication device
US8799084B2 (en) 2008-09-19 2014-08-05 Logomotion, S.R.O. Electronic payment application system and payment authorization method
US9081997B2 (en) 2008-10-15 2015-07-14 Logomotion, S.R.O. Method of communication with the POS terminal, the frequency converter for the post terminal
CN102272722A (en) * 2009-01-08 2011-12-07 德国捷德有限公司 Method for installing an electronic ticket and/or payment application on a mobile terminal
US9032048B2 (en) 2009-03-19 2015-05-12 Nxp, B.V. Method for top-up information and computer device
CN102356626B (en) * 2009-03-19 2014-09-17 Nxp股份有限公司 Method for top-up information and computer device
CN102356626A (en) * 2009-03-19 2012-02-15 Nxp股份有限公司 Method for top-up information and computer device
US8500008B2 (en) 2009-04-24 2013-08-06 Logomotion, S.R.O Method and system of electronic payment transaction, in particular by using contactless payment means
US8224375B2 (en) 2009-05-01 2012-07-17 Qualcomm Incorporated Proximity purchase ringtones
US8594721B2 (en) 2009-05-01 2013-11-26 Qualcomm Incorporated Proximity purchase ringtones
US8606711B2 (en) 2009-05-03 2013-12-10 Logomotion, S.R.O. POS payment terminal and a method of direct debit payment transaction using a mobile communication device, such as a mobile phone
US8583493B2 (en) 2009-05-03 2013-11-12 Logomotion, S.R.O. Payment terminal using a mobile communication device, such as a mobile phone; a method of direct debit payment transaction
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US10332087B2 (en) 2009-05-03 2019-06-25 Smk Corporation POS payment terminal and a method of direct debit payment transaction using a mobile communication device, such as a mobile phone
CN101930644B (en) * 2009-06-25 2014-04-16 中国银联股份有限公司 Method for safely downloading master key automatically in bank card payment system and system thereof
WO2010148646A1 (en) * 2009-06-25 2010-12-29 中国银联股份有限公司 Method for safely and automatically downloading terminal master key in bank card payment system and the system thereof
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CN102567879A (en) * 2010-12-30 2012-07-11 姚立和 Wireless safety transaction payment system and method
CN102567879B (en) * 2010-12-30 2016-06-29 姚立和 Wireless safety transaction payment system and method thereof
WO2012113333A1 (en) * 2011-02-25 2012-08-30 惠州Tcl移动通信有限公司 One-card system on mobile communication terminal
US10134025B2 (en) 2011-09-18 2018-11-20 Google Llc One-click offline buying
CN106255983A (en) * 2014-04-02 2016-12-21 菲德斯墨公司 The safety of application data is downloaded and payment link
CN105809426A (en) * 2014-12-31 2016-07-27 北京数码视讯科技股份有限公司 Mobile payment processing method and device
CN105228088B (en) * 2015-09-06 2019-01-22 宁波大学 The self refresh public-key cryptographic keys of mobile payment near-field communication exchange method
CN105228087B (en) * 2015-09-06 2019-04-09 宁波大学 Mobile payment encryption method based on near-field communication
CN105228088A (en) * 2015-09-06 2016-01-06 宁波大学 The self refresh public-key cryptographic keys switching method of mobile payment near-field communication
CN105228087A (en) * 2015-09-06 2016-01-06 宁波大学 Based on the mobile payment encryption method of near-field communication
CN105376704A (en) * 2015-12-18 2016-03-02 宁波大学 Mobile wallet near-field communication payment method based on image encryption
CN105376704B (en) * 2015-12-18 2019-01-22 宁波大学 Mobile wallet near-field communication method of payment based on image encryption

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Open date: 20060920