Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards

Abstract

The invention relates to Unionpay payment system and method for respectively authenticating identity and payment amount by using double cards. The Unionpay payment system comprises a Unionpay payment center (1), a 3G collection terminal (2) arranged at each shop as well as a payment card (3) and an identity smart card (4), of each user. The Unionpay payment center (1) records the number of the payment card (3) and the number of the identity smart card (4), of each user, in advance and matches the number of the payment card (3) of the user with the number of the identity smart card (4) of the user; during payment, the Unionpay payment center (1) authenticates the identity of a payer by using the identity smart card (4) of the user and authenticates payment amount by using the payment card (3) of the user; and the Unionpay payment center (1) blacklists the payment card (3) when the Unionpay payment center (1) finds that the number of the payment card (3) for the transaction is not matched with the number of the identity smart card (4), so that the payment card (3) can not be continuously used for payment.

Description

【Technical field】 [0001] The invention relates to the field of payment, in particular to a UnionPay payment system and method using dual cards to respectively authenticate identity and payment amount. 【Background technique】 [0002] At present, the application of electronic payment is becoming more and more popular. All kinds of credit cards, debit cards, bus cards, etc. Convenient. However, with the emergence of fake cards, the security of electronic payment has been severely tested. Criminals use various methods to steal or copy other people's credit cards, debit cards, bus cards, etc., and then use these fake cards to steal the value of real cards. It is a problem to be solved that the account consumption payment will cause losses to the user whose card is copied. 【Content of invention】 [0003] The object of the present invention is to provide a UnionPay payment system and method that adopts dual cards to authenticate identity and payment amount respectively, and aut...

AI Technical Summary

Problems solved by technology

However, with the emergence of fake cards, the security of electronic payment has been severely tested. Criminals use various methods to steal or copy other people's credit cards, debit cards, bus cards, etc., and then use these fake cards to steal the value of real cards. Account consumption payments, causing losses to users whose cards have been copied, is a problem to be solved

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