Financial security authentication based mobile Internet intelligent payment terminal and payment system

Abstract

The invention provides a financial security authentication based mobile Internet intelligent payment terminal. The financial security authentication based mobile Internet intelligent payment terminal comprises a communication module, a control module, a display module, an input module and a contact type card reader; the communication module is used for receiving the identity authentication information and the transaction information from a financial IC (Integrated Circuit) card of a client; the control module is used for receiving and storing the identity authentication information and the transaction information of the financial IC card; the display module is used for receiving and displaying the identity authentication information and the transaction information of the financial IC card and prompting a user whether the authorization confirmation needs to be performed or not; the input module is used for receiving an authorization instruction or a transaction cancelling instruction of the user and forwarding the authorization instruction or the transaction cancelling instruction to the control module; the contact type card reader is used for calling the financial IC card according to a digital signature instruction to perform the digital signature on the transaction information, reporting a transaction message after the signature to an Internet bank for verification and achieving the payment after the verification succeeds. According to the financial security authentication based mobile Internet intelligent payment terminal and payment system, the man-machine interactive way is adopted, the identity authentication and the transaction signature are provided, the meanwhile the Internet bank based mobile payment business model is provided.

Description

technical field [0001] The present invention relates to the fields of financial security authentication and Internet technology, in particular to a mobile internet intelligent payment terminal based on financial security authentication, a mobile internet intelligent payment system and a mobile internet intelligent payment method. Background technique [0002] With the rapid development of electronic banking business, modern people's consumer payment tools are not limited to cash, but have been extended to emerging payment tools such as bank cards, online banking and mobile banking, and the corresponding payment devices range from bank machines (ATM, POS) to various online banking payment terminals, and then to mobile terminal equipment. Judging from the market situation in the past six months, the competition in the mobile payment market is very fierce, and the next main financial battlefield is being formed. [0003] However, with the increase of mobile payment methods, th...

AI Technical Summary

Problems solved by technology

[0010] (b) Based on third-party payment platforms such as Alipay and using technical means such as QR codes, although online transactions are conducted, electronic signatures are not currently used as transaction vouchers, let alone special payment security authentication equipment

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