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A secure payment method and payment system based on mobile phone wallet

A mobile wallet and secure payment technology, applied in the field of information security, can solve problems such as the inability to verify the authenticity of the cardholder, the leakage of bank card information, theft of customer information, etc., to avoid the phenomenon of fraud, great convenience, Avoid lost effects

Active Publication Date: 2017-12-15
CHINA UNIONPAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] Bank cards have become one of the main payment methods for people's daily consumption. However, due to the negligence of cardholders when using bank cards, bank card information is leaked, or criminals steal customer information through various illegal means, resulting in bank fraud. phenomenon intensifies
[0003] At present, whether it is a magnetic stripe card or a chip card in the market, when the user pays, the authenticity of the card is only verified by technical means, but the authenticity of the cardholder cannot be verified. Therefore, due to loss or Counterfeit magnetic stripe cards can be used for payment, which brings greater risks to cardholders

Method used

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  • A secure payment method and payment system based on mobile phone wallet
  • A secure payment method and payment system based on mobile phone wallet

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Embodiment Construction

[0042] The following introduces some of the multiple embodiments of the present invention, which are intended to provide a basic understanding of the present invention, and are not intended to confirm the key or decisive elements of the present invention or limit the scope of protection.

[0043] The "mobile wallet" referred to in this article refers to binding the user's mobile phone number to a prescribed payment card (such as a bank card), and providing users with personalized financial services and fast payment anytime, anywhere through mobile phone text messages and other operations channel. "Mobile Wallet" is a business that uses payment card accounts (such as bank card accounts) as financial support and mobile phones as transaction tools. It is to bind the user's payment card account with the user's mobile phone number through mobile phone text messaging, IVR, WAP, etc. In multiple ways, users can operate on the bound account to realize shopping consumption, bill payment, ...

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Abstract

The invention relates to a security payment method and a payment system based on a mobile phone wallet. The security payment method comprises the following steps: a user rule making step of making a user formulate a user rule for verifying payment based on the mobile phone wallet; a user rule verification step of enabling communication between the mobile phone wallet and a POS (Point Of Sale) terminal to obtain transaction information of the user and verify the transaction according to the user rule after the user utilizes the mobile phone wallet or a payment card to carry out credit card consumption; and a transaction authorization / rejection step of transmitting passed transaction authorization to the POS terminal under the condition of successful verification of the user rule, and transmitting transaction authorization failure to the POS terminal or carrying out spare security certification under the condition of failed verification of the user rule. According to the security payment method and the payment system based on the mobile phone wallet, the phenomenon of unauthorized use of the card caused by loss of the payment card or a counterfeit card can be effectively avoided, and a great convenience is provided for users that use mobile phone wallets on the premise of guaranteeing card application security of the users.

Description

Technical field [0001] The present invention relates to information security technology, in particular to a secure payment method and payment system based on a mobile wallet. Background technique [0002] Bank cards have become one of the main payment methods for people’s daily consumption. However, due to the negligence of cardholders when using bank cards, bank card information leaks, or criminals steal customer information through various illegal means, leading to bank fraud. The phenomenon is getting worse. [0003] At present, whether it is a magnetic stripe card or a chip card in the market, when the user makes a payment, the authenticity of the card is only verified through technical means, but the authenticity of the cardholder cannot be verified. Therefore, due to loss or Forged magnetic stripe cards can be used for payment, which brings greater risks to cardholders. Summary of the invention [0004] In view of the above-mentioned problems, the present invention aims to p...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/32G06Q20/40
CPCG06Q20/105G06Q20/206G06Q20/4014
Inventor 何朔徐文虎吕旭峰周钰郑建宾
Owner CHINA UNIONPAY
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