Mobile paying method and system

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...

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. Even if someone steals it intentionally, the fingerprint information entered in the mobile phone may be leaked, which threatens the security of the mobile phone owner’s account.

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