Mobile payment mobile phone external AI security authentication system and its implementation method

Abstract

The invention relates to a safety certificate system of a mobile phone based on AI (Artificial Intelligence) when mobile payment is carried out and a designing method thereof. According to a product designed by the method, the safety of the mobile phone can be enhanced by the following ways: 1, the mobile payment cannot be completed after the mobile phone is lost; 2, when the mobile phone is borrowed, the mobile payment cannot be completed without the agreement of an owner; 3, after the mobile phone is lost and leaves away from an external token for a certain distance, the external token alarms; 4, the mobile phone can be self-locked after the mobile phone is lost, so others cannot use the mobile phone. According to the safety certificate system provided by the invention, by adopting AI + kernel interception + external authentication, i.e. an AKE technique, the system comprises external token hardware and safety authentication APP (Application) software installed on a smartphone, the external token comprises a close-distance wireless module, a safety certificate module and other modules; in addition, the invention further comprises an AI cloud system so as to further provide many other functions.

Description

technical field [0001] The invention relates to the field of information technology, in particular to the subdivision field of mobile financial payment security and the field of artificial intelligence, in particular to an external AI security authentication system for a mobile payment mobile phone and an implementation method thereof. 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 pa...

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

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