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The third party safety payment confirmation method controlled with the mobile phone short message

A technology for secure payment and payer, applied in the field of security authentication, which can solve the problems of not being able to fundamentally guarantee payment security, property loss, credit card fraud, etc.

Inactive Publication Date: 2007-10-24
SHANGHAI YEXIN NETWORK TECH SERVICE
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

If the account number and password are stolen, for example, the credit card is lost, the password is stolen, the online credit card payment is stolen by a Trojan horse, the card number and password, the credit card scammer, etc., the property in the account will be lost, and you cannot control it at all. There are great risks in credit card security payment in today's society
The existing security confirmation methods often require banks or users to pay attention when using them. For example, banks strengthen checks and users pay attention to prevent card loss, which cannot fundamentally guarantee payment security.

Method used

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  • The third party safety payment confirmation method controlled with the mobile phone short message

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Embodiment Construction

[0007] The present invention will be described in detail below in conjunction with the accompanying drawings and embodiments.

[0008] Referring to Fig. 1, the payer, such as a bank, establishes an SMS channel interface with the server of its payment channel and the mobile operator (such as China Mobile). Simultaneously, when the user adopts the payment mode such as handling a credit card, the user is required to provide a (bundled) mobile phone number registered corresponding to its account, so as to exchange short messages with it. In this way, the payer stores the above mobile phone number in the database and encodes it. The payer and the user have reached an agreement that no payment will be made without the confirmation of the short message reply from the user's own mobile phone.

[0009] When the user sends a payment request to the payer (for example, when swiping a card), after the payment device of the payer receives the request, it first confirms the account password...

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Abstract

The provided third-side security payment ACK method based on mobile phone SMS comprises: setting a bonded phone number based on current payment mode; when receiving user paying request, using former number to send payment ACK message to user; using SMS for ACK, if user returns message, taking payment or else, cancelling the request. This invention ensures payment safety, and introduces much convenience for user trade.

Description

technical field [0001] The invention relates to a safety authentication method, in particular to a third-party safety payment confirmation method using mobile phone short messages for self-control. Background technique [0002] At present, the commonly used payment mode is to use the account number and password to determine the payment. If the account number and password are stolen, for example, the credit card is lost, the password is stolen, the online credit card payment is stolen by a Trojan horse, the card number and password, the credit card scammer, etc., the property in the account will be lost, and you cannot control it at all. There are great risks in credit card security payment in today's society. Existing security confirmation methods often require banks or users to pay attention when using them. For example, banks strengthen checks and users pay attention to prevent card loss, which cannot fundamentally guarantee payment security. Contents of the invention ...

Claims

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Application Information

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IPC IPC(8): H04L9/32G06Q20/00H04Q7/22G06Q20/02
Inventor 李霞萍冷正旗王勇
Owner SHANGHAI YEXIN NETWORK TECH SERVICE
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