Network payment method and apparatus thereof
A network payment and network terminal technology, applied in the field of network payment methods and devices, can solve problems such as poor security performance, complicated use, poor security, etc., and achieve the effect of solving low security performance, improving effect, and improving security performance
Active Publication Date: 2012-06-27
ZTE CORP
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Problems solved by technology
With the commercial application of NFC technology, a large number of NFC mobile phones are accepted by users, and the short-distance payment function of NFC mobile phones has also been widely used. still belongs to face-to-face shopping
[0003] With the development of the Internet, the traditional face-to-face shopping method can no longer meet the needs of consumers. The shopping method must develop in a multi-faceted and multi-channel direction. Changing people's shopping habits, for example, consumers can complete transactions through the Internet and purchase products they are satisfied with
At present, the online payment function of the network has been widely developed. The online network payment means are mainly electronic wallets (such as: Alipay, etc.). However, the use of electronic wallets in online payment is complicated and needs to apply for an account. Among them, the reason for the poor security performance is that the e-wallet does not use strict security measures such as proprietary hardware encryption for online payment
[0004] In view of the above situation, there is currently no safe payment method that can solve the problem of poor security performance of existing network payment methods
At the same time, there is no network payment method that can satisfy both face-to-face proximity payment and online payment methods on the Internet.
Method used
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[0025] Hereinafter, the present invention will be described in detail with reference to the drawings and in conjunction with the embodiments. It should be noted that the embodiments in this application and the features in the embodiments can be combined with each other if there is no conflict.
[0026] figure 1 It is a schematic flow diagram of a network payment method according to an embodiment of the present invention, such as figure 1 As shown, the method mainly includes the following steps (step S102-step S108):
[0027] Step S102, the network terminal sends a payment request to the mobile terminal, where the network terminal is connected to the Internet;
[0028] Step S104, when the mobile terminal determines that the security verification information input by the user is correct, the network terminal receives the success confirmation message sent by the mobile terminal;
[0029] Step S106, the network terminal obtains the encrypted information stored in the mobile terminal by us...
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The invention discloses a network payment method and an apparatus thereof. The method comprises the following steps that: a network terminal sends a payment request to a mobile terminal, wherein the network terminal is connected with an internet; under circumstances that the mobile terminal determines that safety verification information input by a user is correct, the network terminal receives success confirmation information sent by the mobile terminal; the network terminal uses the success confirmation information to obtain encryption information stored in the mobile terminal; and the network terminal carries out encryption on payment information according to the encryption information and then network payment is carried out. According to the invention, the safety performance of network on-line payment can be improved.
Description
Technical field [0001] The invention relates to the field of communications, and in particular to a method and device for network payment. Background technique [0002] Near Field Communication (NFC), also known as Near Field Communication, is a short-distance high-frequency wireless communication technology that allows non-contact point-to-point data transmission and data exchange between electronic devices. With the commercial application of NFC technology, a large number of NFC mobile phones have been accepted by users, and the short-distance payment function of NFC mobile phones has also been widely used. Consumers have experienced a convenient and fast shopping experience. However, the short-distance payment method of NFC mobile phones It is still a face-to-face shopping method. [0003] With the development of the Internet, the traditional face-to-face shopping method can no longer meet the needs of consumers. Shopping methods must develop in a multi-faceted and multi-channe...
Claims
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Login to View More IPC IPC(8): G06Q20/32H04L9/32
CPCG06Q20/3227G06Q20/32G06Q20/38215G06Q20/12G06Q20/3278G06Q20/4012
Inventor 刘春海彭辉俊张忠海
Owner ZTE CORP