Method and device for realizing secure payment based on payment confirmation terminal and digital certification

Abstract

The invention provides a method and device for realizing secure payment based on a payment confirmation terminal and digital certification technology. The method is characterized in that in the electronic payment transaction, when the subscriber starts electronic payment at the electronic terminals such as the mobile terminal of the mobile phone, the PC terminal on the internet, the telephone terminal and the like, the payment information is transferred to the payment confirmation terminal independent of payment starting equipment via an independent payment confirmation channel, the subscriber checks the payment information through the payment confirmation terminal and submits the payment confirmation information to a payment system through the payment confirmation terminal and the payment confirmation channel, the payment system can only execute payment operation after receiving the payment confirmation information, and the payment confirmation terminal carries out digital signature protection on the confirmation information. The method can effectively prevent hackers from attacking electronic payment and the transaction process, thereby ensuring the payment and fund security of the subscriber.

Description

【Technical field】 [0001] The invention belongs to the field of electronic payment security, and relates to various payment operations such as Internet payment, mobile payment, ATM withdrawal and transfer, and cash register payment initiated by a user through a terminal such as a mobile phone / computer. The payment request is confirmed, and the payment confirmation terminal adopts digital certificate and digital signature technology to confirm the payment request, and is connected with the payment confirmation background service system through the mobile communication network, which is a method and device for realizing safe electronic payment and transaction. 【technical background】 [0002] At present, with the development of electronics and communication technology, electronic payment has achieved great development all over the world. Although electronic payment services / applications have maintained a good development trend in the world, due to the insecurity of payment termi...

AI Technical Summary

Problems solved by technology

Although electronic payment services / applications have maintained a good development trend in the world, due to insecure factors in various links such as payment terminals and network communication environments, as well as the sensitivity of electronic transactions, all transaction links of electronic payment still face huge security risks. Hidden dangers have seriously affected the development of electronic payment services / applications

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