Identity authentication method for realizing two-dimensional code safety payment

Abstract

The invention relates to an identity authentication method for realizing two-dimensional code safety payment. According to the method, identity authentication codes of a payee or a two-dimensional code releaser are loaded in a two-dimensional code, and therefore, when two-dimensional code payment is carried out, a system performs identity authentication on the payee, the two-dimensional code releaser and a payer in advance, and substantial payment business operation can be allowed to be carried out only when relevant authentication is successful. With the method of the invention adopted, the real identity information of each side can be fully displayed as much as possible, and the payer side can be assisted to further confirm whether the real identity information of the payee is consistent with the information mastered before, and whether the payer side is the true owner of a payment account can be also confirmed, and therefore, financial security of users can be guaranteed. According to the method, a safety payment threshold is established at a front end, and effective prevention of account compromised payment or illegal payment can be established at a back end, and the identity of the payer can be further authenticated, and illegal transfer through using compromised accounts can be prevented, and safety protection for the payment of the users can be implemented in a multi-aspect manner.

Description

technical field [0001] The invention belongs to the field of safe two-dimensional code payment, and mainly realizes the purpose of safe payment by performing identity authentication on the payee of the two-dimensional code payment service, the issuer of the payment two-dimensional code, and the payer. Background technique [0002] QR code technology, as a simple information storage and reading technology, web page link technology, and an authentication and identification technology, has been very mature. Due to the constraints of the lack of popularization of smart mobile terminals, it has not been well promoted and developed so far to reach its due application height. In recent years, due to the popularization of smart mobile terminals, the widespread application of QR codes has provided an opportunity for development, especially the rapid development of O2O business models, using QR codes to establish online and offline e-commerce business promotion, and based on mobile te...

AI Technical Summary

Problems solved by technology

[0004] But at the same time, based on the characteristics of QR code technology, there have been many problems in offline payment, such as security issues related to QR code payment applications, especially e-commerce consumption fraud using QR codes, and Telecom financial payment fraud has already been mentioned to the extent that it must be addressed

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