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Payment verification method, server and system

A verification method and server technology, applied in the field of payment verification method, server and system, capable of solving problems such as lost mobile phones

Inactive Publication Date: 2014-12-17
HUAWEI TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present invention provides a payment verification method, server and system, which solves the problem of counterfeit payment caused by the loss of the mobile phone in the prior art, improves the security of mobile payment, and reduces the financial risk in the process of mobile payment

Method used

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  • Payment verification method, server and system
  • Payment verification method, server and system
  • Payment verification method, server and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0099] like figure 2 As shown in , it is a hardware schematic diagram of a server provided by an embodiment of the present invention.

[0100] The server has a payment verification function, and can be applied to the payment platform to complete the payment verification operation.

[0101] like figure 2 , the server includes a processor 101 , a transceiver 102 , a memory 103 and a bus 11 .

[0102] Wherein, the processor 101 , the transceiver 102 and the memory 103 are communicatively connected through the bus 11 .

[0103] The processor 101 is the control center of the server. The processor 101 processes the data received by the transceiver 102 and invokes software or programs in the transceiver 102 to execute various functions of the server.

[0104] Transceiver 102 can be used to send and receive information or receive and send signals during a call. After the transceiver 102 receives the information sent by the terminal, it can be processed by the processor 101; in ad...

Embodiment 2

[0121] Embodiments of the present invention provide a payment verification method, such as image 3 shown, including:

[0122] 201. The server receives payment information sent by the first terminal.

[0123] 202. The server determines a second terminal bound to the first terminal.

[0124] 203. The server generates first verification information according to the payment information.

[0125] 204. The server generates second verification information according to the payment information.

[0126] 205. The server sends the first verification information to the first terminal.

[0127] 206. The server sends second verification information to the second terminal.

[0128] 207. The server acquires a verification reply for the first verification information and the second verification information.

[0129] 208. If the verification reply matches the first verification information and the second verification information, the server performs a payment operation according to the pa...

Embodiment 3

[0201] An embodiment of the present invention provides a server 01, the server 01 is applied to a payment platform, such as Figure 9 shown, including:

[0202] The receiving unit 501 is configured to receive the payment information sent by the first terminal; and obtain a verification reply for the first verification information and the second verification information;

[0203] A processing unit 502, configured to determine a second terminal bound to the first terminal; and generate first verification information and second verification information according to the payment information in the receiving unit 501; and if the receiving unit The verification reply in 501 conforms to the first verification information and the second verification information, then perform the payment operation according to the payment information;

[0204] A sending unit 503, configured to send the first verification information in the processing unit 502 to the first terminal, and send the second ...

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PUM

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Abstract

The embodiment of the invention provides a payment verification method, a server and a system, relates to the field of communication, solves the problem that in the prior art payment may be simulated caused by loss of a mobile phone and the like, and thereby improve security of mobile payment and reduce financial risks in a mobile payment process. The payment verification method comprises the steps of: receiving payment information sent by a first terminal; determining a second terminal bound to the first terminal; generating first verification information and second verification information according to the payment information; sending the first verification information to the first terminal, and sending the second verification information to the second terminal; obtaining verification responses aiming at the first and second verification information; and if each verification response accords with the corresponding one of the first and second verification information, making payment according to the payment information.

Description

technical field [0001] The invention relates to the communication field, in particular to a payment verification method, server and system. Background technique [0002] Mobile payment, also known as mobile payment, refers to a commercial transaction that is carried out by both parties to a transaction through a mobile communication network using a mobile terminal as a carrier. The rise of mobile payment has provided users with a lot of convenience in their daily lives. Users send payment information directly or indirectly to financial institutions through mobile terminals and mobile communication networks to generate currency payments or fund transfers, thereby realizing mobile payments. [0003] In the prior art, the mobile payment used by the user is usually a fast payment. For example, when the user purchases a product, the user provides the payment platform with information such as bank card number, account name, and mobile phone number bound to the payment platform. A...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/40
CPCG06Q20/38215G06Q20/3223G06Q20/40975
Inventor 徐玉丰方强
Owner HUAWEI TECH CO LTD
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