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Publication numberCN106651351 A
Publication typeApplication
Application numberCN 201510459425
Publication date10 May 2017
Filing date31 Jul 2015
Priority date31 Jul 2015
Publication number201510459425.3, CN 106651351 A, CN 106651351A, CN 201510459425, CN-A-106651351, CN106651351 A, CN106651351A, CN201510459425, CN201510459425.3
Inventors叶兵
Applicant北京知行顺势科技发展有限公司
Export CitationBiBTeX, EndNote, RefMan
External Links: SIPO, Espacenet
Mobile phone payment method and system
CN 106651351 A
Abstract
The invention discloses a mobile phone payment method and system. The method comprises the following steps: binding an MDN number of a SIM card, a mobile phone IMEI number and corresponding account information; dividing an SIM card space into a plurality of security domains, and performing isolation through a firewall, wherein each security domain is corresponding to one specific application item; and starting an application client of a mobile phone to complete corresponding payment operation. According to the invention, through binding the MDN number, the mobile phone IMEI number and a background user account, unification of a mobile phone number and a hardware number is realized, and the security is effectively improved. The multiple different domains are provided, different applications are correspondingly arranged, mutual independent operation between the applications is realized, the expandability and the security are good, and the needs for multiple different payment and applications can be well satisfied. Some new financial or other financing demands of users can also be satisfied continuously through continuous updating and superposition of new functions at the application client.
Claims(10)  translated from Chinese
1.一种手机支付方法,其特征在于,所述方法包括:绑定SIM卡的MDN号码、手机IMEI号以及对应的账户信息;将SIM卡空间划分为若干个安全域,通过防火墙进行隔离;将所述每一安全域对应一个特定的应用项目;启动手机的应用客户端,完成相应的应用项目支付操作。 A mobile payment method, wherein, said method comprising: binding the MDN of the SIM card, the phone number and the IMEI corresponding account information; SIM card space is divided into a number of security domains, isolation through the firewall; each of said security domain application corresponding to a specific item; activate the phone client application, the corresponding application program is completed payment operation.
2.根据权利要求1所述的手机支付方法,其特征在于,所述安全域为逻辑上独立的区域;所述安全域包括主安全域及辅助安全域。 2. The method of claim mobile payment according to claim 1, wherein said security domain is logically independent areas; security domain comprises the primary and secondary security domain security domain.
3.根据权利要求1所述的手机支付方法,其特征在于,所述应用项目包括运营商应用、金融服务应用、综合应用。 3. The mobile payment method as claimed in claim 1, wherein the application program includes carrier applications, financial services applications, integrated application.
4.根据权利要求1所述的手机支付方法,其特征在于,所述方法还包括:对手机及其使用的S顶卡进行鉴权;鉴权成功后,动态下载应用或者第三方衍生应用,建立形成多功能的电子钱包应用。 4. The mobile payment method according to claim 1, characterized in that, said method further comprising: a mobile phone S and the top card is authenticated; After the authentication succeeds, download an application or third party derived dynamic applications, establish the formation of multi-functional electronic wallet application.
5.根据权利要求1所述的手机支付方法,其特征在于,所述方法还包括:将数字证书预置于SIM存储空间中。 The mobile payment method according to claim 1, characterized in that, said method further comprising: a digital certificate pre-stored in the SIM space.
6.—种手机支付系统,其特征在于,所述系统包括:绑定模块,用于绑定SIM卡的MDN号码、手机MEI号以及对应的账户信息;安全域划分模块,用于将SIM卡空间划分为若干个安全域,通过防火墙进行隔离;安全域设置模块,用于在每一安全域中设置对应的特定应用项目;应用客户端,用于提供用户交互界面,完成相应的支付操作。 6.- kinds of mobile payment system, characterized in that, the system comprising: binding means for binding the MDN of the SIM card, the phone number and the corresponding MEI account information; security domain dividing module for SIM card space is divided into a number of security domains, isolation through the firewall; security domain setting module, in certain applications for each set item corresponding to the secure domain; client application for providing a user interface, a corresponding payment operation is completed.
7.根据权利要求6所述的手机支付系统,其特征在于,所述安全域为逻辑上独立的区域;所述安全域包括主安全域及辅助安全域。 7. A mobile payment system according to claim 6, wherein said security domain is independent of the logic region; security domain comprises the primary and secondary security domain security domain.
8.根据权利要求6所述的手机支付系统,其特征在于,所述应用项目包括运营商应用、金融服务应用、综合应用。 8. The mobile payment system of claim 6, wherein the application program includes a carrier applications, financial services applications, integrated application.
9.根据权利要求6所述的手机支付系统,其特征在于,所述系统还包鉴权模块,所述鉴权模块用于对手机及其使用的SIM卡进行鉴权;所述手机用于,在鉴权成功,后动态下载应用或者第三方衍生应用,建立形成多功能的电子钱包应用。 9. The mobile payment system according to claim 6, characterized in that the system further authentication module, the authentication module is configured to use the phone and the SIM card for authentication; for the phone , the authentication is successful, the dynamic downloading applications or third-party applications derived to establish the formation of multi-functional electronic wallet application.
10.根据权利要求6所述的手机支付系统,其特征在于,所述系统还包括数字证书模块,用于将数字证书预置于SIM存储空间中。 10. A mobile payment system according to claim 6, characterized in that the system further comprises a digital certificate module configured to preset the digital certificate SIM storage space.
Description  translated from Chinese
一种手机支付方法及其系统 A new mobile payment method and system

技术领域 FIELD

[0001] 本发明涉及移动终端应用领域,尤其涉及一种手机支付方法及其系统。 [0001] The present invention relates to a mobile terminal application, and in particular, to a method and mobile payment system.

背景技术 Background technique

[0002] 在现有的支付方式中,传统的现金支付较为麻烦,需要用户携带现金,尤其是在小金额时支付时,现金的找续等均比较麻烦。 [0002] In the conventional method of payment, the traditional cash payment is cumbersome, requiring users to carry cash, especially when paying in a small amount of cash looking for continued etc is too much trouble. 新兴的快捷支付虽然能够方便的完成小额支付,但其安全性较低,对绑定使用的银行账户存在着非常大的支付风险。 Emerging quick pay even though it can facilitate the completion of micro-payment, but it is less secure bank account used to bind the existence of a very large payment risk. 而且,现有的便捷支付方式无法有效的整合不同的功能性应用,使用范围较为单一,无法广泛的覆盖不同人群的需求。 Moreover, the existing convenient payment methods can not effectively integrate the different functional applications, the use of more single, unable to cover a wide range of needs of different groups. 另外,大额交易中通常使用的支票、信用证等票据支付方式在使用上同样存在着一定的风险及不便,尤其是在票据遗失的情况下。 In addition, checks, letters of credit and other payment instruments commonly used in large transactions in the use of the same there are certain risks and inconvenience, especially in the case of the missing ticket.

[0003] 而且,现有的便捷支付方式较为单一,无法与其他不同的应用良好的结合,实现不同应用之间的交互以满足生活中各种不同的需要。 [0003] Moreover, the existing approach is more convenient to pay a single, not a good combination with various other applications, to achieve the interaction between different applications to meet the various needs of life.

[0004] 因此,现有技术还有待发展。 [0004] Thus, the prior art has yet to be developed.

发明内容 SUMMARY

[0005] 鉴于上述现有技术的不足之处,本发明的目的在于提供一种手机支付方法及其系统,旨在解决现有技术中支付方式无法覆盖不同人群需求、存在较高交易风险、无法与其他应用良好结合的问题。 [0005] In view of the deficiencies of the prior art, the present invention is to provide a mobile payment method and system designed to solve the prior art method of payment can not cover the needs of different groups of people, there is a higher transaction risk, not other issues with a good combination of application.

[0006] 为了达到上述目的,本发明采取了以下技术方案: [0006] To achieve the above object, the present invention adopts the following technical scheme:

[0007] 一种手机支付方法,其中,所述方法包括:绑定SIM卡的MDN号码、手机IMEI号以及对应的账户信息;将SIM卡空间划分为若干个安全域,通过防火墙进行隔离;每一安全域对应一个特定的应用项目;启动手机的应用客户端,完成相应的支付操作。 [0007] A mobile payment method, wherein said method comprising: binding the MDN of the SIM card, the phone number and the IMEI corresponding account information; SIM card space is divided into a number of security domains, isolation through the firewall; Per a security zone corresponds to a specific application projects; activate the phone application client, complete the corresponding payment operation.

[0008] 所述的手机支付方法,其中,所述安全域为逻辑上独立的区域;所述安全域包括主安全域及辅助安全域。 [0008] The mobile payment method, wherein the security domain is independent of the logic region; security domain comprises the primary and secondary security domain security domain.

[0009] 所述的手机支付方法,其中,所述应用项目包括运营商应用、金融服务应用、综合应用。 [0009] mobile payment method, wherein the application program includes a carrier applications, financial services applications, integrated application.

[0010] 所述的手机支付方法,其中,所述方法还包括:对手机及其使用的SIM卡进行鉴权;鉴权成功后,动态下载应用或者第三方衍生应用,建立形成多功能的电子钱包应用。 Mobile payment method [0010] wherein, said method further comprising: using a mobile phone and the SIM card for authentication; after the authentication succeeds, download an application or third party derived dynamic applications, multi-functional electronic form to establish wallet application.

[0011] 所述的手机支付方法,其中,所述方法还包括:将数字证书预置于SIM存储空间中。 Mobile payment method according to [0011], wherein the method further comprises: the digital certificate to the preset SIM storage space.

[0012] 一种手机支付系统,其中,所述系统包括: [0012] A mobile payment system, wherein said system comprises:

[0013] 绑定模块,用于绑定S頂卡的MDN号码、手机IMEI号以及对应的账户信息;安全域划分模块,用于将SIM卡空间划分为若干个安全域,通过防火墙进行隔离;安全域设置模块,用于在每一安全域中设置对应的特定应用项目;应用客户端,用于提供用户交互界面,完成相应的支付操作。 [0013] Binding module, the MDN number S for binding a top card, phone IMEI number and the corresponding account information; security domain dividing module, the SIM card for the space is divided into a number of security domains, isolation through the firewall; security domain setting module, in certain applications for each set item corresponding to the secure domain; client application for providing a user interface, a corresponding payment operation is completed.

[0014] 所述的手机支付系统,其中,所述安全域为逻辑上独立的区域;所述安全域包括主安全域及辅助安全域。 [0014] The mobile payment system, wherein said security domain is independent of the logic region; security domain comprises the primary and secondary security domain security domain. _ _

[0015] 所述的手机支付系统,其中,所述应用项目包括运营商应用、金融服务应用、综合应用。 [0015] The mobile payment system, wherein the application program includes carrier applications, financial services applications, integrated application.

[0016] 所述的手机支付系统,其中,所述系统还包括鉴权模块,所述鉴权模块用于对手机及其使用的SIM卡进行鉴权;所述手机用于,在鉴权成功,后动态下载应用或者第三方衍生应用,建立形成多功能的电子钱包应用。 [0016] The mobile payment system, wherein said system further comprises an authentication module, the authentication module is configured to use their mobile phone SIM card for authentication; for the phone, the successful authentication after downloading the application or third party derived dynamic applications, establish the formation of multi-functional electronic wallet application.

[0017] 所述的手机支付系统,其中,所述系统还包括数字证书模块,用于将数字证书预置于SIM存储空间中。 Mobile payment system [0017], wherein said system further comprises a digital certificate module, a digital certificate for a preset storage space in the SIM.

[0018] 有益效果:本发明提供的一种手机支付方法及其系统,通过绑定MDN号码、手机nffii号以及后台用户账户,实现手机号码、硬件号码的统一,有效的提高了安全性。 [0018] beneficial effects: a new mobile payment method and system of the present invention provides, by binding MDN number, phone number and background nffii user accounts, unified phone number, hardware number, effectively improve security. 而且提供了多个不同的安全域并对应设置不同的应用,实现应用之间相互独立运行,具有良好的可拓展性和安全性,能够良好的满足多种不同的支付、应用需要。 But also provides a number of different security domains and correspond to different settings, to achieve between applications to run independently of each other, has good scalability and security, can well meet a variety of different payment application needs. 还可以通过应用客户端的不断更新、叠加新功能以不断的满足用户一些新的金融或者其他的理财需求。 It can also constantly updated by the client application, overlay new features to continue to meet the user a number of new financial or other financial needs.

附图说明 BRIEF DESCRIPTION

[0019] 图1为本发明具体实施例的手机支付方法的方法流程图。 Method [0019] FIG mobile payment method of Example 1 a specific embodiment of the present invention. FIG.

[0020] 图2为本发明具体实施例的手机支付系统的结构框图。 [0020] FIG. 2 is a block diagram of the phone system payment particular embodiment of the present invention.

[0021] 图3为本发明所述方法结合1C卡的实施例的示意图。 [0021] Figure 3 a schematic view of the method of Example 1C embodiment of the present invention in conjunction with the card.

[0022] 图4为本发明所述方法具体使用实施示意图。 A schematic view of the method using specific embodiment [0022] FIG. 4 of the present invention.

具体实施方式 detailed description

[0023] 本发明提供一种手机支付方法及其系统。 [0023] The present invention provides a method and mobile payment system. 为使本发明的目的、技术方案及效果更加清楚、明确,以下参照附图并举实施例对本发明进一步详细说明。 For purposes of this invention, the technical solutions and advantages clearer, explicit, embodiments of the present invention is described in more detail below with reference to the accompanying drawings. 应当理解,此处所描述的具体实施例仅用以解释本发明,并不用于限定本发明。 It should be understood that the specific embodiments described herein are merely used to explain the present invention and are not intended to limit the present invention.

[0024] 如图1所示,为本发明具体实施例的一种手机支付方法。 [0024] FIG. 1, a new mobile payment method of the present embodiment of the particular embodiment of the invention. 所述方法包括 Said method comprising

[0025] S1、绑定S頂卡的MDN号码、手机IMEI号以及对应的账户信息。 [0025] S1, S binding MDN of the top card, the phone number and the IMEI corresponding account information. 所述绑定操作具体可以由权威的第三方机构完成,绑定信息存储在安全性良好的特定数据库或者服务器中。 The specific binding operation can be completed by a third party authority, having good security binding information storing specific server or in a database. 例如,授权中国移动通信进行绑定,绑定后将其存储于HLR中。 For example, China Mobile authorized binding, after which binding is stored in the HLR.

[0026] 所述MDN号码指移动用户号码簿号码,CDMA (Code Divis1n Multiple Access, [0026] The MDN of a mobile subscriber directory number refers to, CDMA (Code Divis1n Multiple Access,

码分多址)网络用户的个人手机号码,也是移动用户对外公开的电话号码,亦称作“手机号码”;所述IMEI号是指移动设备国际识别码,又称为国际移动设备标识。 Code Division Multiple Access) network, a user's personal cell phone number, mobile phone number of the user is open to the public, also referred to as a "phone number"; IMEI number refers to the international mobile equipment identification code, also known as International Mobile Equipment Identity. 其是手机的唯一识别号码,它与每台手机 对应,而且该码是全世界唯一的,S卩日常所称“手机串号”。 It is the unique identification number of the phone, which corresponds with each phone, and that the code is the world's only, S Jie daily called "IMEI." 所述账户信息可以是用户任何的,能够控制的财产账户,例如归属不同银行的存储账户、信用卡账户、股票账户等等。 The user account information may be any, can control the property of the account, such as a home store different banks accounts, credit card accounts, stock accounts and so on.

[〇〇27] 通过绑定上述三个号码,能够确定手机号码、手机以及个人账户之间的唯一对应关系从而极大的保证了用户财产的安全性。 [〇〇27] By binding these three numbers, be able to identify the correspondence between the cell phone number, cell phone and personal accounts which greatly ensure the security of user property. 在出现特殊情况,例如丢失手机时,用户只需及时的挂失手机号码即可避免关联账户被盗刷的情况发生。 Happened in the case of special circumstances, such as when the phone is lost, users only need to timely report the loss of the phone number associated with the account to avoid theft brush.

[〇〇28] S2、将SIM卡空间划分为若干个安全域,通过防火墙进行隔离。 [〇〇28] S2, the SIM card space is divided into several security domains, isolation through the firewall. 传统的SIM卡受限于存储空间过小,一般的无法实现更多的功能。 The traditional SIM card is limited by the storage space is too small, can not generally achieve more functionality. 而随着现有技术的不断发展,SIM卡存储容量(主要是EEPROM)不断的增长,在SIM卡上提供扩增业务渐渐成为了主流(例如STK)。 With the continuous development of existing technology, SIM card memory capacity (mainly EEPROM) continues to grow, providing services on the SIM card amplified gradually become the mainstream (such as STK). 上述直接在SIM卡上进行应用/扩增支付业务的设置,能够更加方便快捷的实现支付,例如当用户需要更换手机时,只需要将原有S頂卡插入到新的手机即可,而无需在新手机上进行绑定等操作。 Application of the above-mentioned conduct / amplification set payment services, can achieve more convenient to pay directly on the SIM card, for example, when a user needs to replace the phone, just to the top of the original S card into the new phone can, without binding and other operations on your new phone. 结合考虑到支付应用的安全性要求,将S頂卡内的存储空间划分为若干个独立的安全域可以有效的提高支付的安全性。 Considering the security requirements incorporated payment applications, storage space S inside the top card is divided into several separate security domains can effectively improve the security of payment.

[0029] 当然,所述SIM卡还可以结合现有的RFID技术,整合现有的1C卡模块,例如具备JAVA卡的某些功能,从而实现更为便捷的利用。 [0029] Of course, the SIM card may also be combined with existing RFID technology, integration of conventional 1C card modules, for example, a JAVA card certain functions, enabling more convenient use. 例如,在SIM卡中结合非接触式技术(如RFID)后,只需在对应的商场等部署相应的设备后即可实现手机刷卡支付。 For example, upon binding a non-contact techniques (such as RFID) in the SIM card, only after the deployment of the corresponding shopping malls and other corresponding devices can achieve mobile credit card payment. 上述方式还可以直接在S頂卡上整合有信用卡等功能,具有非常好的可拓展性能。 In the manner described above can also be integrated directly on the S top card credit card and other functions, it can be expanded with a very good performance.

[0030] 较佳的是,将数字证书预置于S頂存储空间中,以便于进行随时调用进行验证。 [0030] Preferably, the digital certificate to a pre-top storage space S so as to be called at any time to verify. 而且,存储在SBI卡存储空间中,安全性及稳定性更佳。 Moreover, SBI card storage space, better storage stability and security.

[0031] 具体的,所述安全域为逻辑上独立的区域。 [0031] Specifically, the security domain is logically independent areas. 所述安全域可以包括主安全域以及辅助安全域。 The security domain may include security domain and the secondary security domain. 所述主安全域(ISD) —般是移动运营商对SIM卡内容进行管理的部分,具体可以承担如下职责:命令分发,应用选择、逻辑信道管理、应用提供API,为应用提供安全服务等等。 The primary security domain (ISD) - as mobile operators for SIM card content management section, you can assume the following specific duties: command distribution, application selection, the logical channel management, applications API, an application to provide security services, etc. . 所述辅助安全域(SSD)与主安全域非常类似,但通常是其他应用项目提供商的代表部分,其职责和权限小于主安全域。 The secondary security domain (SSD) with the security domain is very similar, but usually on behalf of some of the other providers of application projects, responsibility and authority is less than the security domain.

[0032] S3、每一安全域对应一个特定的应用项目。 [0032] S3, each corresponding to a particular security domain application program. 将划分好的安全域分别与每一特定的应用项目对应,作为该应用项目提供商在卡上的代表。 The division of good security domains correspond to each particular application project, as the project application provider representatives on the card. 其中,所述应用项目可以包括:运营商应用(如上所述,通常与主安全域对应)、金融服务应用、综合应用以及其他一些拓展应用。 Wherein the application program may include: carrier applications (as described above, generally correspond to the security domain), financial services applications, integrated applications and other applications expand.

[0033] S4、启动手机的应用客户端,完成相应的支付操作。 [0033] S4, activate the phone application client, complete the corresponding payment operation. 在用户需要完成某一应用或者应用的支付操作时,启动已经安装在手机中的应用客户端,依据客户端用户交互界面的指导即可完成支付操作。 When the user needs to complete payment operations for an application or application, start the application client has been installed in the phone, according to the guidance of the client's user interface to complete payment operations. 所述客户端由运营商或者应用项目提供商进行提供。 The client is the operator or application program providers offer.

[0034] 应当说明的是,可以采用现有任何合适的,具备一定智能化程度的手机实现上述手机支付方法。 [0034] It should be noted that any suitable conventional may be employed, with a certain degree of intelligence to achieve the above mobile phone payment method. 所述客户端软件的形式则可以由具体使用的手机操作系统环境所决定。 The form of client software can be determined by the mobile phone operating system environment specific use.

[0035] 在本发明的较佳实施例中,所述手机支付方法还包括应用下载步骤:首先,对手机及其使用的SIM卡进行鉴权。 [0035] In the preferred embodiment of the present invention, the method further comprises the mobile payment Application steps: First, the mobile phone and the SIM card for authentication. 然后,在鉴权成功后,动态下载应用或者第三方衍生应用,建立形成多功能的电子钱包应用。 Then, after successful authentication, dynamic download applications or third-party applications derived to establish the formation of multi-functional electronic wallet application. 亦即可以采用这样一种电子钱包:所述电子钱包项目下包括一些预先设定的主体功能。 I.e. an electronic wallet may be employed: the electronic wallet include some of the preset function in the body. 然后,用户依据自身需要,在多种衍生应用中挑选自己需要的、感兴趣的应用,例如,彩票在线购买、水电煤缴费等等。 Then, the user according to their own needs, selection, application of interest they need, for example, to buy lottery tickets online, pay water, electricity and so on in a variety of derivative applications.

[0036] 如图2所示,为本发明提供的一种手机支付系统的具体实施例。 [0036] As shown, in particular a new mobile payment system provided by the present invention Example 2. 其中,所述系统包括:绑定模块100,用于绑定SIM卡的MDN号码、手机IMEI号以及对应的账户信息。 Wherein, said system comprising: 100, MDN for binding the SIM card number, phone number and the IMEI account information corresponding binding module. 安全域划分模块200,用于将SIM卡空间划分为若干个安全域,通过防火墙进行隔离。 Security domain dividing module 200, the SIM card for the space is divided into a number of security domains, isolation through the firewall. 安全域设置模块300,用于在每一安全域中设置对应的特定应用项目。 Security domain setting module 300 for a particular application is provided for each item corresponding to the secure domain. 应用客户端400,用于提供用户交互界面,完成相应的支付操作。 Application client 400, for providing a user interface, a corresponding payment operation is completed. 所述绑定模块的功能可以由权威机构的后台控制系统所实现,例如移动服务运营商的控制系统。 The binding module function may be implemented by the background control authority, such as a mobile service operator control system. 当然,在绑定后,还可以提供解除绑定以及修改绑定信息的服务。 Of course, after binding, it can also provide service to unbind and modify binding information. 为了保障信息安全,上述解除绑定以及修改绑定信息的权限应当设置为较高的级别,所述绑定信息可以存储到一个特定的数据库中。 In order to ensure information security, permission to modify the above-described binding and unbinding information should be set to a high level, the binding information may be stored in a particular database.

[0037] 具体的,安全域划分模块200划分的若干安全域为逻辑上独立的区域。 [0037] Specifically, a plurality of security domains security domain 200 is divided logically divided into an independent module area. 所述安全域包括主安全域及辅助安全域。 The security domain and security domain comprises the secondary security domain. 所述应用项目可以包括运营商应用、金融服务应用、综合应用,例如罚款缴费、生活缴费等等。 The application program may include a carrier applications, financial services applications, integrated applications, such as fines payment, payment of life and so on.

[0038] 较佳的是,所述系统还包括鉴权模块,所述鉴权模块用于对手机及其使用的SIM [0038] Preferably, the system further comprises an authentication module, the authentication module SIM for use of the device and its

卡进行鉴权;所述手机用于,在鉴权成功,后动态下载应用或者第三方衍生应用,建立形成多功能的电子钱包应用。 Card authentication; the phone is used, the authentication is successful, the dynamic downloading applications or third-party applications derived to establish the formation of multi-functional electronic wallet application.

[0039] 在本发明的一具体实施例中,所述系统还包括数字证书模块,用于将数字证书预置于SIM存储空间中。 [0039] In one embodiment of the present invention, the system further comprises a digital certificate module configured to preset the digital certificate SIM storage space.

[0040] 实施例1 [0040] Example 1

[0041] 使用本发明所述方法结合1C卡的实施例: [0041] Using the method of Example 1C embodiment of the present invention in conjunction with the card:

[0042] 如图3所示,首先,由第三方运营公司提供1C卡。 [0042] As shown in FIG. 3, first, by a third party operating company card 1C. 然后,分别由移动服务运营商写入SIM卡、第三方应用项目运营公司写入其他的应用项目,例如:某银行写入金融服务应用项目、城市公交系统写入交通应用项目、其他第三方支付卡(如保险、医疗服务)。 Then, each written by a mobile service provider SIM card, third-party applications written project operating company of other applications, such as: a bank financial services applications written project, city bus transportation system writes application projects, other third-party payment cards (such as insurance, medical services). 上述信息分别设置于1C卡的不同存储区域/空间中。 1C are provided to the above information in different storage areas of the card / space.

[〇〇43] 实施例2 [〇〇43] Example 2

[〇〇44] 使用本发明所述方法的具体使用实例: [〇〇44] Specific Example using the process of the present invention:

[〇〇45] 如图4所示,在使用本发明所述方法及系统,实体部分的银行卡(进行大额支付) [〇〇45] As shown, the method and system of the present invention, part of the bank card entity (for large payments) 4

以及现金零钱(进行小额支付)分别与虚拟部分的银行卡以及零钱账户相对应。 Cash and change (by making a small payment), respectively, and bank cards as well as change the account corresponding to the virtual part. 使用本发明所述方法时,通过手机号,实现银行卡的大额支付以及零钱账户的小额支付。 When using the method of the invention, by phone number, bank cards to achieve large-value payment and micro-payment change accounts. 其中,所述零钱账户的余额可以由银行账号在限制额度内进行划转。 Wherein said change account balance may be transferred within the limits of the amount of the bank account. 由于零钱账户具备了离线交易,交易方式迅速便捷,交易风险小的特点。 Due to change account with the offline transactions, transactions quickly and easily, small transaction risk characteristics. 因此,可以方便的使用零钱账户进行小额支付,降低交易风险及成本。 Therefore, you can easily change accounts using micro-payment, reduce risks and transaction costs.

[〇〇46] 可以理解的是,对本领域普通技术人员来说,可以根据本发明的技术方案及本发明构思加以等同替换或改变,而所有这些改变或替换都应属于本发明所附的权利要求的保护范围。 [〇〇46] It will be appreciated that those of ordinary skill in the art, may be altered or claim equivalents, all of which should be changed or replaced according to the present invention belong to the following aspect of the present invention and the concept of the present invention the scope of protection requirements.

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Classifications
International ClassificationG06Q20/32
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