Mobile payment terminal and payment method based on PKI technique

A mobile payment and mobile terminal technology, applied in the field of mobile payment terminals and payment, can solve the problems of identity authentication mechanism and information transmission mechanism risks and hidden dangers, and achieve the effect of ensuring security and improving security.

Active Publication Date: 2009-03-25
CHINA UNIONPAY
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] The technical problem to be solved by the present invention is to provide a mobile payment terminal and payment method based on PKI technology, so as to solve the problem of potential risks in the identity authentication mechanism and information transmission mechanism of the current mobile payment business

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  • Mobile payment terminal and payment method based on PKI technique
  • Mobile payment terminal and payment method based on PKI technique
  • Mobile payment terminal and payment method based on PKI technique

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Embodiment Construction

[0052] In order to make the above objects, features and advantages of the present invention more comprehensible, the present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0053]PKI is the abbreviation of "Public Key Infrastructure", which means "public key infrastructure". It is a universal security infrastructure realized by asymmetric cryptographic algorithm principles and technologies. PKI uses digital certificates to identify the identity of key holders. Through the standardized management of keys, it establishes and maintains a reliable system environment for organizations, and transparently provides application systems with identity authentication, data confidentiality and integrity, Various necessary security guarantees such as non-repudiation meet the security requirements of various application systems. Simply put, PKI is a system that provides public key encryption and digital signature s...

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Abstract

The invention discloses a mobile payment terminal and a payment method based on the PKI technology, which aim to solve the problem that risks and hidden troubles are existed both on an ID authentication mechanism and an information transmission mechanism in the existing mobile phone payment service. The mobile payment terminal comprises a smart card, a smart card reader-writer, a terminal chip added with the control function and a data interface; the smart card is used for the storage and the application of a digital certificate; the smart card reader-writer is used for performing the read-write operation and clear operation on the smart card; the terminal chip to which the control function is added is used for controlling the smart card reader-writer to access the smart card; and the data interface is used for providing the data communication between the terminal chip and peripheral equipment. A user utilizes the mobile payment terminal to download the digital certificate to the smart card, and complete the secure mobile payment. In addition, the user can also use the mobile terminal to carry out secure online payment instead of a USB KEY when the mobile payment terminal is connected with the peripheral equipment through a data wire or interfaces such as an infrared interface, a Bluetooth interface, and the like.

Description

technical field [0001] The invention relates to the application technology of digital certificates, in particular to a mobile payment terminal and payment method based on PKI technology. Background technique [0002] With the popularization of mobile terminals such as mobile phones in China, a new payment service based on mobile phones——mobile payment service has emerged and developed rapidly. Mobile payment, also known as mobile payment, is a payment service realized by bundling a mobile phone number with a bank card number. At present, the mobile payment service is mainly based on the identity authentication mechanism of the static payment password, and is carried out in two ways: SMS and WAP (Wireless Application Protocol, Wireless Application Protocol). [0003] The identity authentication mechanism based on the static payment password refers to an authentication mechanism that allows the user to pay after the banking system authenticates static information such as the ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04Q7/32H04Q7/22G06Q30/00G06Q20/00H04M1/72406H04M1/72412
CPCG06Q20/32G06Q20/3226G06Q20/20G06Q20/3227
Inventor 彭桂林袁晓寒闵勇葛鸣铭
Owner CHINA UNIONPAY
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