Token design method with mobile payment security authentication and mobile phone lost alarm

Abstract

The invention relates to a token design method with mobile payment security authentication and mobile phone loss alarm. The product designed by this method can ensure the security of the mobile phone: 1. After the mobile phone is lost, the mobile payment cannot be completed; 2. The mobile phone When borrowing, the mobile payment cannot be completed without the consent of the owner; 3. When the mobile phone is lost and separated from the external token for a certain distance, the external token and the mobile phone can have multiple alarm modes; 4. After the mobile phone is lost, it can Self-locking, others cannot use; 5. After the mobile phone is lost, the owner can use the external token to find the mobile phone. The present invention adopts cloud computing + kernel interception + external authentication, that is, CKE technology, including an external token hardware and security authentication APP software installed on a smart phone, and the external token includes a short-distance wireless module, a security authentication module, an alarm modules and other modules, in addition, the present invention can also include a cloud system to further provide many other functions.

Description

technical field [0001] The invention relates to the field of information technology, in particular to the subdivided field of mobile financial payment security, and in particular to a token design method that combines mobile payment security authentication and mobile phone lost alarm. Background technique [0002] As a means of payment, mobile payment has become more and more sought after by more and more consumers due to its convenience and speed. The largest carrier of mobile payment technology is smart phones. From the perspective of sales volume, in 2014 China's smart phones The sales volume is as high as 470 million units, and the global number is as high as 1.2 billion units. It can be seen that the number of potential users of mobile payment is also very considerable. However, with the rapid development of mobile payment, its security issues are becoming more and more prominent, especially as the carrier of mobile payment - the loss of smart phones will bring a very s...

AI Technical Summary

Problems solved by technology

[0003] 1. The biometric authentication technology represented by 201210485374.8, 201210540974.X, 201210405588.X, etc. adopts facial recognition, fingerprint and multiple biometric features respectively. Although the authentication effect has been achieved to a certain extent, due to the Unstable, low repeatability, limited in application

[0004] 2. 201410127458.3 discloses a method that uses a wireless authentication device, communicates with a mobile phone using Bluetooth, and then undergoes verification by a background server. It is similar to this patent, but this method actually requires the support of the mobile payment software itself. That is to say, it must be provided by the mobile payment software developer, and the third-party security authentication software cannot complete the authentication work. This defect makes every mobile payment software must have its own authentication software. Security cannot be guaranteed, so every mobile payment software installed on each mobile phone will be equipped with a wireless authentication device. In the case of hundreds of mobile payment software, this is actually not feasible

[0005] 3. The current bank mobile payment often uses mobile phone text messages, which is useless for lost mobile phones

The use of dynamic ciphers also has the problem of incompatibility, which is not advisable as in the above situation

[0006] 4. 201310305419.3 and 201310304229.X disclose a class of mobile security storage for mobile phones. Although it has the function of a local external token in this patent, it does not have security authentication software for mobile payment on the mobile phone, and it is mainly used to solve The problem of safe storage, for this patent, increases a lot of hardware costs

This method is obviously not advisable because it is to add electronic circuits to the mobile phone.

[0008] 6. Invention patent application 201310302063.8 discloses a design, which uses Bluetooth technology to make a bracelet, and judges whether the mobile phone is lost by detecting the strength of the Bluetooth signal between the bracelet and the mobile phone. In addition to the alarm, the design also has an incoming call reminder function, but, It has no mobile payment security authentication function

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