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Customer identification and authentication procedure for online internet payments using mobile phones

一种程序、用户端的技术，应用在金融交易数据交换的系统领域，能够解决不易懂、移动电话号码利用、程序困难等问题

Inactive Publication Date: 2009-07-22
ULTRA PROIZVODNJA ELEKTRONSKIH NAPRAV DOO
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This method is inconvenient for users because the procedure is difficult, time-consuming, and difficult to understand
In addition to this, users may feel that their mobile phone number is being exploited

Method used

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  • Customer identification and authentication procedure for online internet payments using mobile phones
  • Customer identification and authentication procedure for online internet payments using mobile phones
  • Customer identification and authentication procedure for online internet payments using mobile phones

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0025] figure 1 A system structure according to an embodiment of the present invention is shown.

[0026] A user 1 , usually a customer, is located in front of a personal computer (PC) 2 , which displays applications, for example using a display web browser, and near the user 1 is a mobile terminal 3 , for example with a WAP interface.

[0027] Said PC 2 is connected to the Internet 5 over a connection 4 (eg transmission channel) via an interface module. On the other hand, the mobile terminal 3 is detachably connected via the connection 17 to the mobile telephone network 16 via the interface module.

[0028] The PC 2 of the user 1 and his mobile terminal 3 form a hybrid communication unit 18 .

[0029] The merchant's virtual online store is connected to said Internet 5 via a connection 6 . On the other hand, an APC (Authorization and Processing Center) 8 with several subsystems is also connected to said Internet 5 via a connection 12 .

[0030] The subsystems of the APC 8 ...

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PUM

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Abstract

This invention shows a mobile terminal device (3) having a memory unit (3a) and an interface device (3b) which is releasably connectable to a multiple partner system (7, 9, 15) and capable for a communication therein, wherein said communication is provided by a front-end formed by said mobile terminal device (3) in combination with a personal computer device (2) and a back-end formed by a partner of said multiple partner system via communication ways, said communication being suitable for performing data transactions with variant security requirements, such that complementary parts of, or parts within a distributed application, running within a multi partner system, are performed dependent on their current security requirements, wherein said communication is used to exchange information by using said communication ways of different and variant characteristics (4, 6, 12, 17, 13) by using different communication channels and different interface standards or protocols.

Description

technical field [0001] The invention relates to a system for exchanging financial transaction data between Internet sales outlets, mobile terminal equipment, and authorization and processing centers. Background technique [0002] Mobile communication technology is achieving unprecedented worldwide success. Never in history has a high-end technology achieved such market penetration in such a short period of time. On the other hand, the popularity of the Internet continues to grow due to the abundance of information, services, commerce, and entertainment that people enjoy from the Internet. [0003] However, in order to obtain the most useful information and services while maintaining an acceptable level of security, users must remember many usernames, passwords, personal identification numbers (PINs), and the like. For services that require enhanced security, such as e-commerce, mobile commerce, online banking, etc., using passwords or PINs as means of identification and ve...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00G06F21/31
CPCG06Q20/02G06Q20/425G06Q20/40G06Q20/322G06Q20/12G06Q20/32
Inventor 阿莫·邱德瑞格雷戈尔·布雷青科克勒门·费尔德尼科博尔·普里哈费科
Owner ULTRA PROIZVODNJA ELEKTRONSKIH NAPRAV DOO
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