Method and system for using phone to generate authentication pattern to perform POS payment as well as mobile phone

Abstract

A method using the mobile phone generated authentication pattern to execute POS payment, writes one or a plurality of bank account information in the mobile phone chip, so that the mobile phone is associated with the corresponding bank account. The POS payment includes: recording the amount paid in the POS terminal; selecting the corresponding bank account on the mobile phone, executing verification arithmetic to the mobile phone chip and accidentally producing a set of enciphered data and generating authentication pattern on the mobile phone display screen to display; recording the authentication pattern in the POS terminal by the pattern recording apparatus; combining and ciphering the authentication pattern and the available information as the payment solicited message to transmit to the bank system; the bank system executing information verification, account process; and feeding back the process result onto the POS. The method can replace the card brushing, avoids the inconvenience of users for carrying a plurality of cards; the method can conveniently and safely use by slightly modifying the terminal reading data mode of the prior POS payment system terminals. At the same time, the present inventions provides a system and mobile phone for implementing the payment method.

Description

technical field [0001] The invention relates to the field of financial payment and the application field of mobile phones. Specifically, it is a payment method that uses the information storage and processing functions of the mobile phone chip (referring to the mobile phone's own chip or an additional SIM card, etc., the same below) to generate graphics displayed on the mobile phone display screen, and use the graphics for payment authentication. And a system and a mobile phone for realizing the method. Background technique [0002] Traditional bank cards include magnetic stripe cards, IC cards (contact and non-contact) and composite cards with magnetic stripes and smart chips. The cards are all rectangular plastic cards. Due to their obvious advantages, IC cards and composite cards will gradually replace magnetic stripe cards. [0003] At present, the POS payment system usually adopts the so-called card payment method, which uses a specific card reader to read the informa...

AI Technical Summary

Problems solved by technology

In addition, its mobile phone barcode is static and reusable, and may be copied and stolen

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