Remote mobile payment system based on digital certificate and payment method

A mobile payment and digital certificate technology, applied in the payment system, payment system structure, data processing application, etc., can solve the problems of low product security performance, dependence on core security technology, no mobile trading platform, etc., to protect transaction details, The effect of preventing privacy leakage and ensuring confidentiality

Inactive Publication Date: 2012-07-25
何文秀
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] At present, the "trusted mobile terminal and security platform" has begun to be used in e-government, securities and industrial and commercial industries, but the product's security performance is not high, and the main core security technology depends on foreign countries, and there is no mature and secure mobile transaction platform

Method used

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  • Remote mobile payment system based on digital certificate and payment method
  • Remote mobile payment system based on digital certificate and payment method
  • Remote mobile payment system based on digital certificate and payment method

Examples

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Embodiment Construction

[0045] The present invention will be described in further detail below in conjunction with the accompanying drawings and embodiments.

[0046] This embodiment adopts a remote mobile payment system based on digital certificates, such as figure 1 As shown, it includes: CA server, OCSP server (wherein, OCSP stands for Online Certificate Status Protocol), merchant server, bank server, in addition, a mobile client is added, and the mobile client communicates with the merchant server to transmit product information ;The merchant server communicates with the bank server to transmit payment information; the mobile client, merchant server and bank server communicate with the CA server respectively to apply for and download public key certificates; the mobile client, merchant server and bank server respectively communicate with OCSP Server communication, used to obtain certificate status information;

[0047] This embodiment adopts the payment method of the remote mobile payment system...

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Abstract

The invention relates to a remote mobile payment system based on a digital certificate and a payment method and belongs to the technical field of mobile payment. According to the invention, the digital certificate is used for binding an identity of a user with a public key of the user and the problem of difficulty in managing a secret key during a transaction process is solved. All communication information is encrypted by using the secret key, so that the confidentiality of the transaction information is ensured, the transaction details of the user are protected and the privacy is prevented from being revealed. Meanwhile, each piece of transaction information is digitally signed by using a private key of a sender; as long as a receiver successfully verifies the signature by using the public key of the sender, the sender cannot deny the performed operation of sending the information, so that the undeniable property of information is achieved; an abstract value of the information is calculated for each piece of transaction information; and the receiver firstly compares the abstract value of the information with the received information, so as to judge if the information is distorted and ensure the completeness of the information.

Description

technical field [0001] The invention belongs to the technical field of mobile payment, in particular to a remote mobile payment system and payment method based on digital certificates. Background technique [0002] With the advent of the 3G era, several important factors restricting the development of mobile e-commerce: bandwidth, terminal standards, and terminal processing capabilities have been resolved. Therefore, mobile e-commerce is gradually shifting from a concept to an actual specific application environment, such as online banking, online payment, mobile banking, mobile stock and so on. However, while the business is developing rapidly, security, as the most important factor restricting the development of e-commerce or mobile business, must be resolved. How to ensure the security of electronic banking? How to ensure the non-repudiation of identity in the electronic transaction process? How to ensure that network applications based on mobile terminals can make use...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/16
Inventor 徐剑周福才
Owner 何文秀
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