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Mobile terminal signature-based remote payment system and method

A mobile terminal and remote payment technology, applied in the field of smart cards, can solve problems such as loss and interception by criminals, and achieve the effect of ensuring security, convenient use, and protecting personal privacy information.

Inactive Publication Date: 2015-01-28
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 present invention discloses a method for remote payment based on a mobile terminal. The method includes: an authentication server asking a mobile terminal for a digital certificate, the mobile terminal transmitting an certificate reading instruction to the built-in smart card, and after the smart card exports the stored digital certificate, the mobile terminal transmitting it to the authentication server for certificate registration, and the authentication server sending a signature instruction to the mobile terminal, the mobile terminal transmitting a private key signature instruction to the built-in smart card, the smart card sending out the signature result and the mobile terminal reporting the signature result to the authentication server. The present invention also discloses a system for remote payment based on mobile terminal, a mobile terminal and a smart card. The present invention not only breaks through the limitation of short of transmitting the personal ID and password by using short message and WAP.

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