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Electronic payment method and system based on mobile terminal

A mobile terminal and electronic payment technology, applied in the field of information security, can solve the problems of frequent security cases, inconvenience, and inability to complete secure payment.

Inactive Publication Date: 2009-11-11
SHENZHEN DTEC ELECTRONICS TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] 2) Low security: online banking works on the open Internet, and the "battle" with hackers is escalating, and security cases occur frequently; because of the lower security of telephone banking, it can only do some inquiries and transactions at present, and cannot complete secure payments ; ATMs, mobile POS, etc. seem to be safe, but in fact they are stolen by criminals and technology peeps are very common
The main reason for the low security is that they all adopt the method of single-process execution business
[0007] 3) Customer experience is poor and inconvenient
[0008] 4) The transaction initiator of electronic payment can only be the payer

Method used

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  • Electronic payment method and system based on mobile terminal

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Embodiment Construction

[0030] The electronic payment system of the present invention includes a client access terminal, a mobile terminal, and a central authentication server; wherein

[0031] The client access terminal sends the user's basic transaction information to the central authentication server through the first channel, wherein the first channel is a computer network, telephone network, mail or fax, without access to the payment platform provided by the central authentication server Or payment device, the client access terminal can be any device currently available to the user to communicate with the authentication server, such as a personal computer, mobile phone, telephone, etc.;

[0032] Described mobile terminal (such as mobile phone, PDA) comprises a transceiving module, is used for receiving the transaction basic information that authentication server transmits through the second channel, and described transaction basic information includes the identification number of both transaction...

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PUM

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Abstract

The invention discloses an electronic payment method and a system based on a mobile terminal. Various electronic transactions are induced and converted into transaction modes based on 'bill', and twin channel information verification and piecing method and electronic signature technique are used simultaneously, thus ensuring the security of electronic transactions, and having the advantages of convenience, fastness, security and portability.

Description

technical field [0001] The invention belongs to the field of information security, in particular to an electronic payment method and system based on a mobile terminal. Background technique [0002] With the rapid development of computer networks and communication technologies, especially the popularization and application of the Internet, e-commerce, as a product of information technology revolution, has penetrated into various fields of social life at an unprecedented speed, and has rapidly evolved into a global development. wave. [0003] Commodity trading activities include four aspects, business flow, logistics, capital flow, and information flow. Business flow guides logistics, and smooth and timely capital flow is a necessary guarantee for the smooth progress of commodity circulation activities. A large number of commodity trading activities require more convenient payment methods and methods. The payment process is a very important link in the entire commercial act...

Claims

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Application Information

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IPC IPC(8): G06Q20/00H04W4/24H04W12/02H04W12/06
Inventor 王刚
Owner SHENZHEN DTEC ELECTRONICS TECH
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