Authentication method and system for mobile payment

Abstract

The invention provides an authentication method and an authentication system for mobile payment. The method comprises the following steps of: after a payment request submitted by an E-commerce server to a mobile terminal is received, checking payment card information in the payment request; after passing the checking, sending a current network identification data acquisition request to an operator server to which a user belongs according to a first user identification label in the payment request to ensure that the operator server can return current network identification data according to the first user identification label in the current network identification data acquisition request; after the current network identification data returned by the operator server is received, authenticating the identification according to a first mobile terminal identification label and a first user identification label in the current network identification data and a second mobile terminal identification label and a second user identification label which are prestored in a bank server; and after passing the identification authentication, starting paying. According to the method, identification is checked based on the current network identification data, so that the safety of mobile payment is guaranteed.

Description

technical field [0001] The invention relates to communication technology, in particular to a mobile payment authentication method and system. Background technique [0002] At present, e-commerce has been widely used on the Internet, and the rapid development of e-commerce has also brought a new payment method, that is, mobile payment. Mobile payment is a process that users use mobile terminals (such as mobile phones) to realize the payment process. [0003] The existing mobile payment process is as follows: the user of the mobile terminal logs in to the e-commerce website and submits a shopping request; the e-commerce website sends the payment request to the bank server selected by the user; Card number and payment password; the bank server verifies whether the bank card number and payment password entered by the user are correct, and at the same time verifies whether the amount to be paid is within the preset limit in advance. Payment operations on e-commerce websites. ...

AI Technical Summary

Problems solved by technology

[0004] The inventor found that the prior art has at least the following problems: In the prior art, the method of setting the payment limit at the bank server in advance is used to ensure the security of the payment, but this method has obvious disadvantages. First, the payment limit is limited, making The existing mobile payment methods are not flexible enough and not very practical; secondly, the security of payment is still not high. After the user loses the bank card and password, anyone may steal the bank card and password for payment operations

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