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System and method for authentication and transmission of mobile payment information

A mobile payment and authentication terminal technology, applied in the field of information security, can solve problems such as insecure payment transactions, and achieve the effect of solving transactions in different places

Inactive Publication Date: 2014-06-04
SHANGHAI JIAO TONG UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Aiming at the problem in the prior art that secure payment transactions cannot be performed according to the specific geographical location information of the mobile terminal, the present invention proposes a mobile payment information authentication and transmission system and method, through mutual data packets between the mobile terminal, the server end and the information authentication end The geographic location information package is added to the package, so that the three parties can perform data analysis and processing according to the user's location contained in the geographic location information package, to obtain useful information for themselves, and effectively solve the problem of non-legal mobile terminals conducting transactions in different places wrongdoing

Method used

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  • System and method for authentication and transmission of mobile payment information
  • System and method for authentication and transmission of mobile payment information
  • System and method for authentication and transmission of mobile payment information

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0036] like figure 1 and figure 2 As shown, this embodiment includes the following steps:

[0037] 1. The mobile terminal is equipped with an end user personal database on the information authentication terminal that includes frequently used transaction areas, location preset passwords, and mobile payment accounts.

[0038] The location preset passwords include but not limited to: character passwords, fingerprint passwords, image recognition passwords, and the like.

[0039] 2. The mobile terminal turns on the navigation and positioning communication unit and collects the current location, and then sends an information packet containing the current location to the server, and sends an authentication request and an information packet to the information authentication end.

[0040] 3. After receiving the authentication request and the information packet, the information authentication terminal extracts the current location from the information packet and sends an information ...

Embodiment 2

[0055] like figure 1 and 3 As shown, this embodiment includes the following steps:

[0056] 1. The mobile terminal sets the commonly used transaction payment area and location preset password on the information authentication terminal.

[0057] The mobile terminal can set multiple frequently used transaction payment areas so that the information authentication terminal can establish the user's personal database based on the frequently used transaction payment area; the mobile terminal can set the location preset password for when the information authentication terminal recognizes that the user does not make a payment in the frequently used transaction payment area During the transaction, the user is required to enter a password to confirm the credentials for the continuation of the transaction. The password also includes fingerprints and face recognition.

[0058] 2. The mobile terminal submits the order to the merchant and sends an order information package (Table 2).

[0...

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Abstract

The invention discloses a system and method for authentication and transmission of mobile payment information in the technical field of information security. The system comprises a mobile terminal, a server side and an information authentication side, wherein the mobile terminal is connected with the server side through a wireless network and outputs a communication request information packet containing the current position, the server side sends an information reception confirmation request to the mobile terminal according to the communication request information packet, the information authentication side is connected with the mobile terminal and the server side, receives an authentication request and an authentication information packet from the mobile terminal, and sends a communication allowance request to the server side. By means of the system and method for authentication and transmission of the mobile payment information, the behavior that illegal users pretend to be legal users to conduct transactions at places where the illegal users are not located can be effectively prevented, and the safety of the mobile terminal and the property safety of all service providers are ensured.

Description

technical field [0001] The invention relates to a method in the technical field of information security, in particular to a mobile payment information authentication and transmission system and method. Background technique [0002] With the development and progress of wireless information technology, people's consumption and purchase habits are gradually becoming more convenient and faster. Mobile terminals want to buy the items they need anytime and anywhere, thus giving birth to mobile payment. Mobile payment is a currency payment method that allows users to use their handheld mobile terminals (including smartphones, tablets and other handheld mobile terminal devices that can connect to wireless networks for information communication) to pay for the goods or services they consume. Individuals directly or indirectly send payment instructions to banking and financial institutions through mobile devices, the Internet or proximity sensors to generate currency payments and fund...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/42G06Q20/32
CPCG06Q20/382G06Q20/3224G06Q20/401
Inventor 战兴群刘金玉罗家宥荆帅陈懋霖张晓婷
Owner SHANGHAI JIAO TONG UNIV
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