Safety data transmission method and paying method, paying terminal and paying server

Abstract

The invention discloses a safe data transmission method, comprising that a mobile terminal uses a second public key to encrypt the personal password of bank card to generate a second cryptogram, the mobile terminal combines the first and second cryptograms into a trade report to be sent to a server, while the first cryptogram contains card track information stored in the mobile terminal, the server decrypts the first and second cryptograms, for best, the mobile terminal can use random password to encrypt the first cryptogram to generate a dynamic first cryptogram, while the random password is generated by relative algorism according to dynamic factor. The invention uses asymmetry encrypt technique to encrypt the data sent by mobile terminal, and uses random password to generate dynamic cryptogram, and generates the cryptogram with living period according to time mark, therefore, the transmission safety of finance data as cark track information or the like is effectively protected via the combined encrypt methods, to realize mobile payment.

Description

technical field [0001] The present invention relates to the field of network data transmission, in particular to a secure data transmission method for mobile terminals to conduct financial transactions in a wireless network, and a mobile payment method using the data transmission method, a mobile payment terminal, a payment server. Background technique [0002] With the continuous development of information technology, especially the development of wireless mobile communication is greatly changing people's way of life, and wireless mobile terminals such as mobile phones are also becoming a necessity of people's life. At the same time, people's relationship with finance is becoming more and more inseparable, such as consumption payment and loan repayment. A new payment method that can combine mobile communication devices with financial transactions has emerged, that is, mobile payment. This payment method not only avoids the problem of carrying a large amount of currency wi...

AI Technical Summary

Problems solved by technology

[0005] In view of this, the purpose of the present invention is to provide a secure data transmission method to solve the problem of lack of security in data transmission in the prior art during payment transactions

[0006] Another object of the present invention is to provide a mobile payment method, a mobile terminal payment system and a mobile payment server system, so as to solve the problem of lack of security of mobile terminals in the payment transaction process in the prior art

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