Electronic payment method and device thereof and peripheral device of electronic payment

Abstract

The invention aims at providing an electronic payment method, an electronic payment device and a peripheral device, wherein the electronic payment device and the peripheral device are matched with the electronic payment method. Safety of electronic payment process can be effectively guaranteed, and using of the electronic device is convenient through the scheme. The electronic payment method comprises a first step of establishing connection between a host machine and the peripheral device matched with the host machine through a short distance wireless data transmission mode, obtaining a digital certificate of the peripheral device through the short distance wireless data transmission mode and launching electronic payment processes, a second step of initiating transaction request to a back stage through the host machine by utilizing of the obtained digital certificate, and a third step of receiving a response packet of the back stage through the host machine, judging whether the response packet is correct or not, and if the back stage response packet is correct, the electronic payment of the time is confirmed.

Description

technical field [0001] The invention relates to the field of electronic payment, in particular to the field of electronic payment using digital certificates for identity authentication. Background technique [0002] At present, the application of electronic payment is more and more extensive. In order to ensure the security of electronic payment, electronic payment usually guarantees payment security in the form of digital certificates. There are usually two ways to use the current digital certificate for payment: [0003] 1. Digital certificates are stored on payment hosts. For example, PCs, mobile phones, etc. are connected through the network, and the corresponding digital certificates are downloaded from the bank website. When the payment process is initiated, the electronic payment is completed through the corresponding digital certificates. However, such digital The following problems exist in the way of using the certificate: Since the digital certificate is stored o...

AI Technical Summary

Problems solved by technology

[0003] 1. Digital certificates are stored on payment hosts. For example, PCs, mobile phones, etc. are connected through the network, and the corresponding digital certificates are downloaded from the bank website. When the payment process is initiated, the electronic payment is completed through the corresponding digital certificates. However, such digital The following problems exist in the way of using the certificate: Since the digital certificate is stored on the host, when the host is lost or stolen, the certificate is also illegally held by others, and others can still use the certificate for electronic payment. In this way, the account is safe. There is a greater threat

[0004] 2. Store the electronic certificate on an independent peripheral device. For example, the Ukey currently on the market uses a USB interface and is connected to a PC through the USB interface. It is also necessary to take out the Ukey and establish a physical connection with the computer, which is not convenient enough to use

Images