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1. (WO2018121366) TEE-BASED OFFLINE PAYMENT METHOD, PAYMENT SYSTEM THEREOF AND MOBILE TERMINAL

Pub. No.:    WO/2018/121366    International Application No.:    PCT/CN2017/117343
Publication Date: Fri Jul 06 01:59:59 CEST 2018 International Filing Date: Thu Dec 21 00:59:59 CET 2017
IPC: G06Q 20/20
Applicants: CHINA UNIONPAY CO., LTD.
中国银联股份有限公司
Inventors: CHEN, Chengqian
陈成钱
ZHOU, Yu
周钰
GUO, Wei
郭伟
Title: TEE-BASED OFFLINE PAYMENT METHOD, PAYMENT SYSTEM THEREOF AND MOBILE TERMINAL
Abstract:
The present invention relates to a trusted execution environment (TEE)-based offline payment system and a payment method. The system comprises: a mobile terminal, used for implementing a card function and a card flow of qPBOC, providing a user input interface, processing data inputted by a user and displaying the processed data in the form of a two-dimensional code; a point of sale (POS) terminal, used for acquiring the data in the form of the two-dimensional code displayed by the mobile terminal, converting the data into a card data message and sending the card data message to a background system; and the background system, used for completing payment according to the card data message and returning a result to the POS terminal. According to the present invention, offline mobile payment may be carried out without requiring a mobile terminal and a POS terminal to have near-field communication (NFC) function.