Networked transaction system and method based on mobile terminal

A mobile terminal and network transaction technology, applied in the field of network communication, can solve the problems of low security, achieve the effect of maintaining property security, avoiding theft of user accounts, and avoiding insecurity of user accounts

Inactive Publication Date: 2014-02-05
黄燕平
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] Aiming at the relatively low security of online banking operations on mobile terminals mentioned above, no effective solution has yet been proposed

Method used

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  • Networked transaction system and method based on mobile terminal
  • Networked transaction system and method based on mobile terminal
  • Networked transaction system and method based on mobile terminal

Examples

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Embodiment Construction

[0013] The present invention will be described in further detail below through specific implementation examples and in conjunction with the accompanying drawings.

[0014] In order to enhance the security of mobile terminal network transactions, the embodiment of the present invention provides a mobile terminal-based network transaction system and method, wherein, the mobile terminal in the embodiment of the present invention can be a mobile device such as a mobile phone, a tablet computer, etc., as follows. Examples are described.

[0015] see figure 1 The schematic structural diagram of the network transaction system based on the mobile terminal is shown, which includes: a key parameter storage device 10 issued to the user by a financial institution and a mobile terminal 20 of the user;

[0016] Wherein, the mobile terminal 20 and the key parameter storage device 10 are physically separated devices, and the key parameter storage device 10 stores a key parameter matching the...

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Abstract

The invention provides a networked transaction system and method based on a mobile terminal. The system comprises key parameter storage equipment issued to a user through a financing institution and the mobile terminal of the user, wherein the mobile terminal and the key parameter storage equipment are physically-separated equipment, and key parameters matched with the mobile terminal are stored in the key parameter storage equipment; the mobile terminal acquires the key parameters from the key parameter storage equipment through a NFC wireless communication protocol, session keys are generated according to the key parameters, and the networked transaction data flow of the user is encrypted/decrypted by using the session keys. The networked transaction system and method enhance the safety of the networked transaction of the mobile terminal.

Description

technical field [0001] The present invention relates to the field of network communication, in particular, to a mobile terminal-based network transaction system and method. Background technique [0002] With the development of mobile terminals (such as mobile phones) and network communications, users can use mobile terminals to conduct online shopping, online banking and other operations. SMS verification codes are also used to further protect the security of transactions. [0003] However, the above protection measures are easily bypassed by criminals, because once criminals reissue a mobile phone card through illegal means, the communication function of the original mobile phone owner will be invalidated, and the subsequent SMS verification code will be sent to the mobile phone card installed. criminals' mobile phones. After criminals steal the user name and password of the card user, they will conduct online banking operations in the name of the user, seriously damaging...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L9/32G06Q20/32
Inventor 黄燕平
Owner 黄燕平
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