Method and system for providing authorization through mobile terminal

Abstract

A computing device receives an authentication code from a mobile terminal while the mobile terminal is in an offline state. The mobile terminal generates the authentication code based on payment authorization information it receives from a remote payment server while the mobile terminal is in an online state. The computing device extracts the payment authorization information from the authentication code and then generates a payment request using the payment authorization information, a payment amount and an authorized payment receiving account. Next, the computing device sends the payment request to the remote payment server. The remote payment server determines the validity of the payment request based on the payment authorization information, the payment amount and the authorized payment receiving account and returns a payment acknowledgment message to the remote computer. The computing device forwards the payment acknowledgment message to the mobile terminal, which then completes the payment transaction.

Description

technical field [0001] The invention relates to the technical field of mobile Internet, in particular to a method and system for providing authorization through a mobile terminal. Background technique [0002] With the development of mobile Internet technology, users can use mobile payment applications to pay anytime and anywhere. The user can first connect to the Internet through a data communication channel or wifi access, and then enter the user name, password, and voice of the payment account on the mobile payment application (such as an online banking application or a third-party payment application such as Tenpay, PayPal, and Alipay). Use fingerprints or fingerprints to obtain authorization to log in to mobile payment applications to complete payment, transfer or other operations. [0003] However, the inventor found through research that there are at least the following problems in the use of mobile terminals in traditional technologies to provide authorization: user...

AI Technical Summary

Problems solved by technology

[0003] However, the inventor found through research that there are at least the following problems in the use of mobile terminals in traditional technologies to provide authorization: users must enter passwords, voiceprints or fingerprints and other data corresponding to authorization information in the network environment and upload them to the server to obtain authorization. When the user's mobile terminal is offline, the authorization operation cannot be performed because the mobile terminal cannot upload data, so the user's authorization behavior has the limitation of network dependence

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