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Mobile payment identity verification method

An identity verification method and mobile payment technology, applied in payment architecture, instruments, data processing applications, etc., can solve the problems of low security of the identity verification method, and achieve the effect of improving security and solving low security.

Active Publication Date: 2012-07-04
DATANG MICROELECTRONICS TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0019] In order to solve the problem of low security of identity verification methods in existing mobile payment methods, the present invention provides a mobile payment identity verification method

Method used

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  • Mobile payment identity verification method
  • Mobile payment identity verification method

Examples

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Embodiment Construction

[0049] The existing implementation of mobile payment based on smart SD card is as follows: when using the mobile payment function, the user first starts the mobile terminal client software, enters the login password to establish communication with the smart SD card, and the user selects the transaction bank card and enters the bank card Password and confirmation, SE in the smart SD card encrypts the relevant information of the transaction bank card and the password entered by the user, and then sends it online to the background server through the mobile communication network to complete the transaction together.

[0050]The transaction process has the following risks:

[0051] 1. The personal PIN code used in the transaction process is a static password, which is not easy to remember and is easy to be monitored, which brings inconvenience and loss to users.

[0052] 2. There is a potential risk in the transaction process that program robots may use malicious codes to carry out...

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Abstract

The invention provides a mobile payment identity verification method, which relates to the field of mobile communication and solves the problem of low safety of an identity verification method in the existing mobile payment manner. The method comprises the following steps that: an SE (Singly Entry) in an intelligent SD (Secure Digital) generates and saves a transaction verification code character, and a preset character template is utilized for generating a verification code image containing a transaction verification code; the intelligent SD card transmits the binary information of the verification code image to a mobile phone client side; and a controller of the intelligent SD card receives and analyzes a command containing a verification code returned by the mobile phone client side and transmits the command to the SE; the SE extracts the verification code returned by the mobile phone client side from the command and compares the verification code returned by the mobile phone client side with the transaction verification code saved by the SE; and when the verification code returned by the mobile phone client side is consistent with the transaction verification code, the identity verification is judged to be successful to continue to transact.

Description

technical field [0001] The invention relates to the field of mobile communication, in particular to a mobile payment identity verification method. Background technique [0002] Mobile payment, also known as mobile payment, refers to a mobile data value-added service application jointly launched by operators, application service providers and payment service agencies and built on the mobile operation support system; Commercial transaction activities such as bank transfers, payment and recharge, shopping malls and online services carried out by wireless means. Mobile payment uses a wide range of terminals, including all remote payment terminals based on wireless networks such as mobile phones, tablet computers, and laptops, as well as near-field payment terminals such as bank cards, mobile phone cards, and related receiving devices. As an emerging electronic payment method, mobile payment has many characteristics such as convenience, speed, and safety anytime, anywhere. Consu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/42G06Q20/34
Inventor 曹常所焦华清
Owner DATANG MICROELECTRONICS TECH CO LTD
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