Security control method and security control system of mobile payment

A mobile phone payment and security control technology, applied in the financial field, can solve problems such as embezzlement of accounts, and achieve the effect of strong versatility
CN102254264AInactive Publication Date: 2011-11-23GRG BAKING EQUIP CO LTD
5 Cites 31 Cited by

Patent Information

Authority / Receiving Office
CN Β· China
Current Assignee / Owner
GRG BAKING EQUIP CO LTD
Publication Date
2011-11-23
Estimated Expiration
Not applicable Β· inactive patent

Smart Images

  • Figure 1
    Figure 1
  • Figure 2
    Figure 2
  • Figure 3
    Figure 3
Patent Text Reader

Abstract

The invention discloses a security control method and a security control system of mobile payment. The method comprises the following steps that: a transaction platform is logged in through a mobile phone, and a voice channel of the mobile phone accesses a security token; the transaction platform and the security token carry out two-way authentication; after the two-way authentication passes, the mobile phone imports user payment data and transmits the user payment data to the security token through the voice channel; the security token calls an encryption algorithm and key data, which are arranged in the security token, encrypts the user payment data, and returns the encrypted user payment data and corresponding digital signing information to the mobile phone; and the mobile phone transmits the encrypted user payment data and the corresponding digital signing information to the transaction platform. By adoption of the embodiment of the invention, risks on faking of the user identity, falsification of transaction information and theft of account assets can be reduced, and the security of the mobile payment is improved.
Need to check novelty before this filing date? Find Prior Art

Description

technical field

[0001] The invention relates to the field of financial technology, in particular to a mobile phone payment security control method and system. Background technique

[0002] Mobile payment, also known as mobile payment (Mobile Payment), is a service method in which mobile users use their mobile terminals (usually mobile phones) to pay for the goods or services they consume. Domestic commercial banks have successively opened their own mobile banking in some areas to provide mobile phone users with convenient personalized financial services and fast payment channels. However, the overall security of mobile payment is not satisfactory. How to ensure the security of mobile payment has become the focus of attention of users and banks.

[0003] The related parties of mobile payment mainly include: acquirer system, mobile billing system, mobile banking and shopping websites. Among them, the acquirer system refers to the settlement units or enterprises that collect ...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More