Authentication method and system for mobile payment

An authentication method and mobile payment technology, applied in the field of communication, can solve the problems of inflexibility, low payment security, limited payment amount, etc., and achieve the effect of ensuring security

Inactive Publication Date: 2013-02-13
CHINA UNITED NETWORK COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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

Method used

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  • Authentication method and system for mobile payment
  • Authentication method and system for mobile payment
  • Authentication method and system for mobile payment

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Embodiment Construction

[0032] see figure 1 , figure 1 Schematic is a network architecture diagram to which the mobile payment authentication method provided by the embodiment of the present invention is applicable.

[0033] The network architecture includes an e-commerce website server 3, a bank server 1, an operator server 2 and a mobile terminal 4 with a SIM card. Among them, there is data interaction between the e-commerce website server 3 , the bank server 1 and the mobile terminal 4 . There is data interaction between the bank server 1 and the e-commerce website server 3 and the operator server 2 . There is data interaction between the operator server 2 and the bank server 1 and the mobile terminal 4 . In addition, the users referred to herein are communication users.

[0034] see figure 2 , Embodiment 1 of the present invention provides a mobile payment authentication method, the method is executed by the bank server, and the method specifically includes the following steps:

[0035] St...

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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. ...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q20/42H04L29/06H04L9/32
Inventor 李金夏赵晨斌
Owner CHINA UNITED NETWORK COMM GRP CO LTD
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