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Secure payment method for mobile electronic commerce based on 3-D secure

A secure payment and e-commerce technology, applied in the field of secure payment based on 3-D secure mobile e-commerce, can solve the problems of large payment authorization requests and payment authorization responses, and achieve the effect of accelerating and improving security

Inactive Publication Date: 2012-09-26
上海显度数码科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

And the payment authorization request and payment authorization response defined in the 3-D secure core protocol are too large for most mobile devices

Method used

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  • Secure payment method for mobile electronic commerce based on 3-D secure
  • Secure payment method for mobile electronic commerce based on 3-D secure

Examples

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Embodiment Construction

[0027] The present invention will be described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0028] Such as figure 1 As shown, a mobile e-commerce secure payment method based on 3-D secure, the method is a secure mobile electronic payment method, one-way transmission of required transaction information and authentication information. Among them, the encrypted transmission of user sensitive information ensures the security of the payer's personal information and reduces the dependence on the security of the transmission network. At the same time, there is no need to establish an additional connection for identity authentication; and the limit on the payment amount is relaxed. The user can use the common mobile terminal to make mobile payment without replacing it with a new one; as long as the area covered by the wireless communication network, the user can use the method to make mobile payment anytime and anywhere. The method avoids ...

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Abstract

The invention relates to a secure payment method for mobile electronic commerce based on 3-D secure, which transmits all transaction information and authentication information needed through one-way transmission, wherein sensitive user information is transmitted in an encrypted way, guaranteeing the security of personal information of a payer and reducing dependence on the security of a transmission network. Meanwhile, an identity is authenticated without establishing extra connections and a payment amount restriction is relaxed. The user can use a common mobile terminal for mobile payment without replacing the common mobile terminal with a new one and can use the method for mobile payment anytime and anywhere as long as a wireless communication network is available in an area. Compared with prior art, the method is better than prior payment protocols with respect to both security and performance, therefore the method is more suitable for current mobile payment business.

Description

technical field [0001] The invention relates to a mobile e-commerce payment method, in particular to a 3-D secure mobile e-commerce secure payment method. Background technique [0002] Electronic payment refers to the use of commercial electronic tools and various electronic currencies as the medium, using computer technology and communication technology as the means, and realizing the circulation and payment of funds on the computer network system in the form of electronic data storage and transmission. [0003] In recent years, with the combination of Internet, mobile communication and computer technologies, mobile e-commerce represented by mobile payment has emerged as the times require. Relevant market survey reports show that mobile e-commerce will take a qualitative leap in recent years. In 2009, the number of global mobile e-commerce users reached 170 million, and the transaction volume reached 10.8 billion US dollars; it is estimated that by the end of 2010, the mark...

Claims

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Application Information

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IPC IPC(8): H04L29/06H04L9/32G06Q20/12
Inventor 胡春阳
Owner 上海显度数码科技有限公司
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