Method for implementing safety payment by dynamic code authorization

A technology of secure payment and dynamic code, applied in the field of mobile Internet, to facilitate the quick application of micropayments

Inactive Publication Date: 2015-02-04
CHONGQING ZHITAO INFORMATION TECH CENT
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

If the wrongdoer cannot ultimately succeed in his purpose, there is no need for him to engage in wrongdoing

Method used

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  • Method for implementing safety payment by dynamic code authorization

Examples

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Effect test

Embodiment 1

[0044] Embodiment 1 (dotted line process part): The embodiment is to illustrate how to implement the method of realizing secure payment through dynamic code authorization of the present invention to obtain a dynamic code for secure payment authorization, including the following steps:

[0045] S1. When the user completes part of other business processes or all other business processes through the payment service front-end interface 101 according to the previous settings, clicks the payment confirmation button, and the payment service operation interface 101 prompts to enter a dynamic code authorization;

[0046] S2. The user opens the dynamic code client 106 at the mobile terminal 104 to read the dynamic code, and submits the dynamic code at the payment service operation interface 101;

[0047] S3. After obtaining the dynamic code, the payment system 102 submits it to the dynamic code business background 107 to complete the comparison and authentication;

[0048] S4. After the...

Embodiment 2

[0050] Embodiment 2: When the payment authorization request and payment authorization are completed through the integrated client loaded on the mobile terminal, there is no need to separate the request and submission on different operation interfaces, including the following technical implementation process:

[0051] S6. Connect all the payment authorization request commands of all payment systems 102 to the request command management system 103; or directly connect all payment system 102 payment authorization request commands to the dynamic code business background 107 in a unified manner;

[0052] S7. The request instruction management system 103 submits the payment authorization request instruction to the payment authorization client 105 of the mobile terminal 104; or the dynamic code service background 107 submits the payment authorization request instruction to the payment authorization client 105 of the mobile terminal 104;

[0053] S8. The user reads the content of the p...

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Abstract

The invention relates to a method for implementing safety payment by dynamic code authorization. A mobile terminal with a third-party physical channel which cannot be directly touched by an account system or externally actively attacked is built by dynamic password technology, and final payment determination is authorized by dynamic passwords generated by a dynamic password client loaded by the channel of the mobile terminal. Particularly, the technology is more rapidly and conveniently implemented by making full use of existing technical conditions and equipment of a bank and respecting use habits of a user, the crime trend of stealing user capital is stopped, user benefits are protected, and normal financial order of the bank and the nation is maintained.

Description

technical field [0001] The present invention relates to the application fields of mobile Internet, cloud computing and Internet of Things, and in particular to a method for uniformly obtaining dynamic codes through a third-party channel for payment authorization to realize account security payment. Background technique [0002] With the development of new Internet technology, bank payment gradually evolves to mobile online payment, which makes today's payment mode include bank card payment, self-service teller machine terminal payment, computer PC terminal payment, mobile terminal payment, and Alipay, which represents new technology Payment and WeChat payment, QQ payment, etc. are in full bloom. This variety of payment modes has brought about payment security issues that people are generally concerned about, especially those that have occurred such as stealing cards or forging bank cards, stealing money by defrauding account passwords, and stealing third-party payment tools....

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/4014G06Q20/4018
Inventor 任明和
Owner CHONGQING ZHITAO INFORMATION TECH CENT
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