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Multi-verification payment method and multi-verification payment device

A multi-verification and payment device technology, applied in the field of communication, can solve problems such as low security and affect personal financial security, and achieve the effect of improving security and ensuring financial security

Inactive Publication Date: 2014-12-17
XIAOMI INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] If the identity information used to log into the payment system and the pre-registered terminal are stolen by criminals, the criminals can use the user's identity information to log into the payment system, and input the verification information received by the terminal into the payment system, thereby illegally Therefore, the security of the above-mentioned related technologies is low, and it is easy for criminals to take advantage of it, which seriously affects personal financial security.

Method used

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  • Multi-verification payment method and multi-verification payment device
  • Multi-verification payment method and multi-verification payment device

Examples

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Embodiment 1

[0075] figure 1 It is a flow chart of a multi-verification payment method shown according to an exemplary embodiment, such as figure 1 as shown, figure 1 The shown multi-factor authentication payment method can be used in the server. The multi-authentication payment method provided by the present disclosure can improve the security of operations such as electronic payment or electronic transfer, thereby ensuring the financial security of users. The method includes the following steps.

[0076] In step S11, when the payment instruction corresponding to the payment account is received, each terminal number corresponding to the payment account is determined, and the number of terminal numbers corresponding to the payment account is at least two.

[0077] Wherein, the method provided in this embodiment can be used in a payment or transfer server. When the server receives a payment instruction corresponding to a certain payment account, the server needs to send verification info...

Embodiment 2

[0096] figure 2 It is a schematic diagram of a multiple verification payment device according to an exemplary embodiment. The multi-verification payment device provided by the present disclosure can improve the security of operations such as electronic payment or electronic transfer, thereby ensuring the financial security of users. refer to figure 2 , the device includes a determination module 11 , a sending module 12 , an establishment module 13 and an execution module 14 . in:

[0097] The determination module 11 is configured to determine each terminal number corresponding to the payment account when receiving the payment instruction corresponding to the payment account, and the number of terminal numbers corresponding to the payment account is at least two.

[0098] The sending module 12 is configured to send verification information generated according to preset generation conditions to each terminal number corresponding to the payment account.

[0099] The establi...

Embodiment 3

[0108] image 3 It is a block diagram of a multiple-authentication payment device 800 according to an exemplary embodiment. For example, the apparatus 800 may be a mobile phone, a computer, a digital broadcast terminal, a messaging device, a game console, a tablet device, a medical device, a fitness device, a personal digital assistant, and the like.

[0109] refer to image 3 , the apparatus 800 may include one or more of the following components: a processing component 802, a memory 804, a power supply component 806, a multimedia component 808, an audio component 810, an input / output (I / O) interface 812, a sensor component 814, and a communication component 816.

[0110] The processing component 802 generally controls the overall operations of the device 800, such as those associated with display, telephone calls, data communications, camera operations, and recording operations. The processing component 802 may include one or more processors 820 to execute instructions to...

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Abstract

The invention relates to a multi-verification payment method and a multi-verification payment device. The method comprises the following steps that: when a payment instruction corresponding to a payment account is received, each terminal number correspondingly matched with the payment account is determined, wherein the number of the terminal numbers correspondingly matched with the payment account is at least two; a piece of verification information generated according to preset generation conditions is sent to each terminal number correspondingly matched with the payment account; a corresponding relationship between the payment account and each piece of the verification information is built; and when the verification information, corresponding to the payment account, input according to the preset input conditions is received, the payment instruction corresponding to the payment account is executed. The number of the terminal numbers correspondingly matched with the payment account is at least two, and the verification information corresponding to the payment account needs to be input according to the preset input conditions, so the scheme provided by the invention has the advantages that the security of operations such as electronic payment or electronic fund transfer can be improved, so that the financial security of users is ensured.

Description

technical field [0001] The present invention relates to the technical field of communications, and more specifically, to a multi-authentication payment method and device. Background technique [0002] With the increasing development and improvement of mobile Internet technology and e-commerce technology, various online shopping and banking services are gradually becoming popular. In daily life, people are more and more exposed to services such as electronic payment or electronic transfer. [0003] At present, when a user uses electronic payment or electronic transfer, in order to ensure the safety of the user, the payment system will send a string of verification information to the pre-registered terminal to verify whether the user performing the current electronic payment or current electronic transfer is a legitimate user . When the user inputs the verification information received by the pre-registered terminal into the payment system, the payment system determines that...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/382G06Q20/4014
Inventor 孙龙周天阳吴鸣
Owner XIAOMI INC
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