Mobile phone (telephone) purse based on incoming call verification

A technology for incoming calls and mobile phones, applied in the fields of communication, Internet, and finance, it can solve the problems of lost funds, forgotten accounts, and low security.

Inactive Publication Date: 2014-05-28
侯贺杰
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] 1. Online banking provides convenience for Internet payment, but in terms of security authentication, it mainly uses account password + password certificate and U-shield and other technologies, all of which have problems such as forgetfulness and infrequent carrying. It has a certain impact. Recently, banks have also begun to try to use SMS verification codes to promote the convenience and security of micropayments.
[0003] 2. At present, there are Internet-based third-party payments such as Alipay and WeChat Pay in the market, but their security authentication mainly adopts account passwords, digital certificates, etc., which have a low degree of security, and due to the forgettable nature of account passwords, the frequency of use is relatively high. If it is low, there will be problems or even the risk of losing all funds due to forgetting the account
[0004] 3. Telecom companies have launched the function of deducting fees based on SMS reminders and confirmations. There is a certain demand in the market but it has not been widely implemented.

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0012] 1. In the implementation process, at least two verification contents, phone number and account, are generally required, but the phone number can also be used as the account number in the actual implementation. At this time, it can be regarded as only one item is required in form, and the user submits the account when using it. , payment information (including payee's account, amount, etc.) and call verification (that is, the technology of "Internet Identity Authentication Based on Call Verification") at the same time to complete the payment;

[0013] 2. During the implementation process, it can be used in combination with passwords to meet higher security requirements, or only use traditional account passwords to meet flexibility requirements;

[0014] 3. It can also be used in combination with existing security technologies such as digital certificates during implementation;

[0015] 4. During the implementation process, individual users may use the mobile phone number...

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PUM

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Abstract

The invention discloses a mobile phone (telephone) purse based on incoming call verification. A simple, easy-to-use, safe and convenient third-party payment tool taking the incoming call number of a user as the major identification characteristic is provided, a technology of Internet Identification based on Incoming Calls is mainly adopted in a security verification loop, and the tool and the technology can be used together with the conventional account and password digital certificate. During easy use, the user can finish payment by making a phone call (namely, performing incoming call verification) while submitting account and payment information.

Description

Technical field: [0001] The invention patent relates to the fields of finance, Internet, communication, etc., and mainly provides high security, high convenience and low-cost solutions for users' Internet payment and micropayment. Background technique: [0002] 1. Online banking provides convenience for Internet payment, but in terms of security authentication, it mainly uses account password + password certificate and U-shield and other technologies, all of which have problems such as forgetfulness and infrequent carrying. It has a certain impact. Recently, in order to promote the convenience and security of micropayments, banks have also begun to try to use SMS verification codes. [0003] 2. At present, there are Internet-based third-party payments such as Alipay and WeChat Pay in the market, but their security authentication mainly adopts account passwords, digital certificates, etc., which have a low degree of security, and due to the forgettable nature of account passw...

Claims

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Application Information

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Patent Type & AuthorityApplications(China)
IPC IPC(8): G06Q20/40G06Q20/36G06Q20/32
CPCG06Q20/4014G06Q20/322G06Q20/3674
Inventor侯贺杰
Owner侯贺杰