Radio frequency identification (RFID) mobile phone payment method and system utilizing over air technology (OTA) to recharge

A mobile payment, mobile phone technology, applied in the payment system structure, the activation of coded identification cards or credit cards, data processing applications, etc., can solve problems such as inability to offline fund account transactions

Inactive Publication Date: 2012-06-06
CHINA TELECOM CORP LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

This patented technology allows for better balancing between different accounts by allowing customers who have multiple financial assets (banking cards) to use their own money instead of paying separately at separate locations like banks). It also includes an online system that charges each customer's credit card based upon its balance being low.

Problems solved by technology

The technical problem addressed in this patented text relates to how many people who want to make money online may also be able to perform certain types of activities like purchasing items on their own device (such as smartphones).

Method used

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  • Radio frequency identification (RFID) mobile phone payment method and system utilizing over air technology (OTA) to recharge
  • Radio frequency identification (RFID) mobile phone payment method and system utilizing over air technology (OTA) to recharge
  • Radio frequency identification (RFID) mobile phone payment method and system utilizing over air technology (OTA) to recharge

Examples

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Embodiment Construction

[0021] The invention uses the client on the RFID mobile phone to judge the balance of the offline transaction account, and uses the OTA method to start the air recharge of the offline account when the balance is insufficient. At the same time, the user can use the account to consume at merchants with RFID POS terminals.

[0022] The preferred embodiments of the present invention are given below according to the accompanying drawings and described in detail, so as to better illustrate the technical features and functional characteristics of the present invention, rather than to limit the scope of the present invention.

[0023] Such as figure 1 As shown, the mobile payment system applied in the present invention includes an RFID mobile phone with an RFID chip, a mobile payment platform, an OTA recharge platform, a bank or other funds source server and an operator's mobile communication system. in:

[0024] The RFID mobile phone integrates an RFID chip and has the ability to manag

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PUM

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Abstract

The invention provides a radio frequency identification (RFID) mobile phone payment method and an RFID mobile phone payment system utilizing the over the air technology (OTA) to recharge. The RFID mobile phone payment method comprises the steps that: an offline account is set on a mobile phone payment platform, and the offline account is recharged through a recharging fund resource; an RFID mobile phone starts the mobile phone balance monitoring program for inquiring the account balance; whether the account balance is lower than the set value or not is judged, if so, a recharging request is sent to the mobile phone payment platform at the operator side, and the recharging request comprises the recharging amount; the mobile phone payment platform judges whether the recharging request is legal or not, and if so, the recharging amount is deducted from the set offline account; an OTA recharging platform is notified of recharging the account on the RFID mobile phone, and the notifications comprise the recharging amount and the information of the recharged mobile phone; the OTA recharging platform returns the recharging response to the RFID mobile phone after recharging; and the RFID mobile phone changes the account balance according to the recharging response issued by the OTA recharging platform. The RFID mobile phone payment method and the RFID mobile phone payment system have the advantage that users can conduct a transaction through the self offline fund account of the RFID mobile phone.

Description

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Claims

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Application Information

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Owner CHINA TELECOM CORP LTD
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