Mobile paying method and system

A mobile payment and platform technology, applied in the field of communications, can solve the problems of mobile phone owner account security threats, users unable to perform fingerprint verification, fingerprint information leakage, etc., to enhance transaction security, improve security, and simplify the process.

Inactive Publication Date: 2015-02-18
CHINA UNITED NETWORK COMM GRP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] But its disadvantage is that the fingerprint verification is completed by the mobile phone. Once the mobile phone is lost, the user cannot perform fingerprint verification

Method used

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  • Mobile paying method and system
  • Mobile paying method and system

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Experimental program
Comparison scheme
Effect test

Embodiment

[0039] Such as figure 1 As shown, this embodiment provides a mobile payment system, including: a terminal, a POS machine, a merchant platform, a fund management platform and a security authentication platform, wherein:

[0040] The POS machine is used to obtain the identity and consumption information of the terminal user, and send the identity and consumption information of the user to the security authentication platform through the merchant platform and the fund management platform;

[0041] The POS machine obtains the terminal user's identity through automatic acquisition or manual entry. The identity can be a mobile phone number, or a combination of various fields such as ID card number and user name. As long as the user's identity can be uniquely identified, this implementation Take the mobile phone number as an example. The terminal requirement is a touchable high-resolution intelligent terminal.

[0042] The security authentication platform is used to request the ter...

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PUM

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Abstract

The invention discloses a mobile paying method and system. The method includes: a POS machine acquires the identity and consuming information of a terminal user, and the identify and consuming information of the user is transmitted to a safety authentication platform through a merchant platform and a fund management platform; the safety authentication platform requests the terminal user to input fingerprint information and compares the fingerprint information with the fingerprint information which corresponds to the identity and is pre-stored in the safety authentication platform, if the input fingerprint information and the pre-stored fingerprint information are consistent, fingerprint authentication succeeds, or else the fingerprint authentication fails; the fingerprint authentication result is transmitted to the fund management platform; the fund management platform performs corresponding operations of fund transfer according to the fingerprint authentication result and the consuming information. The method has the advantages that the method is suitable for a consumer who pays through the POS machine authorized by a merchant, the safety authentication platform directly transmits the authentication result to the fund management system to perform fund transfer during paying, transaction safety is increased, and the fund transfer flow is simplified.

Description

technical field [0001] The invention relates to the communication field, in particular to a mobile payment method and system. Background technique [0002] For the payment industry, what kind of identification method can be used to make the experience safer and more convenient is an eternal topic. At present, the digital password commonly used in the industry has been widely used for more than 50 years because of its low cost and ease of use. However, with the emergence of black industries such as network viruses and fraud, the security and reliability of digital passwords composed of Arabic numerals and letters need to be further improved. [0003] Compared with digital passwords, fingerprints have the characteristics of uniqueness, stability, and difficulty in copying. The security is more reliable, and it is difficult for hackers and some people with ulterior motives to crack. At present, many mobile payment methods that use fingerprint information for security authenti...

Claims

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Application Information

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IPC IPC(8): G06Q20/20G06Q20/40
CPCG06Q20/206G06Q20/40145
Inventor 靳锐敏
Owner CHINA UNITED NETWORK COMM GRP CO LTD
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