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Mobile terminal signature-based remote payment system and method

A mobile terminal and remote payment technology, which is applied in the field of smart cards, can solve problems such as loss and interception by criminals, and achieve the effects of security, convenience, high security and portability

Inactive Publication Date: 2011-01-05
ZTE CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, when the personal information of mobile phone users is transmitted by SMS or WAP, it is easy to be intercepted by some criminals, resulting in huge losses. It is foreseeable that the security performance of mobile payment will be a key factor limiting its wide application.

Method used

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  • Mobile terminal signature-based remote payment system and method
  • Mobile terminal signature-based remote payment system and method
  • Mobile terminal signature-based remote payment system and method

Examples

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Embodiment Construction

[0051] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings.

[0052] The remote payment system based on the mobile terminal signature of the present invention realizes the support for the remote payment function by modifying the mobile terminal, the browser module, and the data channel between the smart card of the mobile terminal and the browser.

[0053] Such as figure 1 As shown in , a schematic diagram of a typical remote payment system based on mobile terminal signature is shown. The remote payment system based on a mobile terminal signature includes: a mobile terminal, a PC terminal, and an authentication server.

[0054] Described mobile terminal comprises smart card (SC, Smart Card), and existing AT channel exists between mobile terminal and PC end, also needs to increase personal computer / smart card PC / SC channel, ...

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Abstract

The invention discloses a mobile terminal signature-based remote payment system and a mobile terminal signature-based remote payment method, and a mobile terminal and an intelligent card of the mobile terminal in the system. The intelligent card (such as a USIM card) of the mobile terminal is improved, and a PC / SC channel interacted with the PC side is provided; a digital certificate is stored on the intelligent card, and during authentication, after being exported by the intelligent card, the stored digital certificate is sent by the mobile terminal to an authentication server for certificate register; and the authentication server transmits a signature instruction to the mobile terminal, the mobile terminal sends a private key signature instruction to the built-in intelligent card, and a signature result is sent by the intelligent card and is reported to the authentication server by the mobile terminal, wherein the digital certificate can be acquired by interacting the intelligent card with the authentication server on line. The remote payment system has high safety and portability, is convenient for users to use during remote payment, and is favorable for protecting personal privacy information of the users and guaranteeing the safety of the remote payment.

Description

technical field [0001] The invention relates to the technical field of mobile communication, in particular to a remote payment system and method based on a mobile terminal signature, a mobile terminal in the system and a smart card of the mobile terminal. Background technique [0002] With the gradual popularization of online shopping in daily life, the remote payment function is more and more accepted by more and more people. Currently, online payment methods are generally realized through bank cards, and the requirements for network security are very high. Use digital certificates. With the promotion and application of the concept of mobile payment, mobile payment is favored by people because of its high popularity and convenient payment. [0003] Currently, there are three mainstream mobile payment technologies: [0004] The first is the NFC (Near Field Communication) technology from Europe, which is the longest and most influential solution. This solution combines non...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L29/08H04L29/06H04W12/06G06Q20/00G06Q20/32G06Q20/38H04W12/069
CPCG06Q20/32G06Q20/38215G06Q20/3229G06Q20/3825
Inventor 张治邦廉殿斌
Owner ZTE CORP
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