Safe mobile phone payment method and system based on hybrid encryption mechanism

A mobile phone security and hybrid encryption technology, which is applied in the complete banking system, complete banking system, security devices, etc., can solve problems that are not conducive to business promotion, and achieve the effect of easy promotion

Inactive Publication Date: 2011-11-23
北京汇冠金财科技有限公司 +1
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  • Abstract
  • Description
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Problems solved by technology

Not conducive to business promotion

Method used

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  • Safe mobile phone payment method and system based on hybrid encryption mechanism
  • Safe mobile phone payment method and system based on hybrid encryption mechanism

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Embodiment Construction

[0045] The technology of the present invention will be further described below in conjunction with the accompanying drawings.

[0046] Referring to accompanying drawing 1, the mobile phone safe payment method based on the mixed encryption mechanism of the present invention is simply through four steps: registration, activation, login, payment, wherein the key steps are exactly the steps of registration and activation, and the registration and activation steps are A key step to ensure that the terminal is unique, irreplaceable, and irreplaceable.

[0047] Specifically, when a mobile phone needs to open a mobile payment service, it first obtains its payment service public key from the mobile payment platform, and sets a private user password for the initial identity verification at each login, and then strings the mobile phone number and device of the mobile phone number, sim card number, user password, and user identity information are encrypted by the payment service public ke...

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Abstract

The invention relates to a safe mobile phone payment method and system based on a hybrid encryption mechanism, which are applied to the filed of mobile phone payment. The safe mobile phone payment method related to the invention comprises the following steps of: firstly, sending basic information encrypted by a payment public key, of a mobile phone to a mobile phone payment platform for registration, thus obtaining a registration code; submitting the registration code to obtain a provided certificate file; and in related operations, using the key decrypted from the certificate file for operation. The system related to the invention comprises a gateway subsystem; and the gateway subsystem comprises an adaptive communication server, an intelligent matching engine server and an encryption and certificate server for encryption and decryption which are connected in sequence, and also comprises a database server. According to the safe mobile phone payment method and system based on the hybrid encryption mechanism, provided by the invention, the hybrid of an asymmetric encryption algorithm and a symmetrical encryption algorithm is utilized to ensure the safety of transactions, and a mobile phone client does not need special hardware matching, thus facilitating popularization of mobile phone payment services.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a mobile phone security payment method and system based on a hybrid encryption mechanism. Background technique [0002] The current mobile payment platform relies on the WAP gateway and uses https for channel encryption protection; the terminal uses measures such as sd card for key protection and calculation. There are certain shortcomings in these encryption methods. First, the WAP gateway mode mixes payment services and communication services, which is not conducive to the security of payment services. Secondly, https channel encryption does not solve business security issues. The terminal must have security hardware such as an SD card. Once this hardware is installed on another mobile phone, it can still be used. Not conducive to business promotion. Contents of the invention [0003] The purpose of the present invention is to provide a mobile phone security payment method ba...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00H04W12/02H04W12/04H04W88/02H04W12/03H04W12/0431H04W12/069
Inventor 朱烨东房建国杨劲周雪松
Owner 北京汇冠金财科技有限公司
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