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Internet payment registration authentication and implementation methods and devices

A registration authentication, Internet technology, applied in the field of registration authentication of Internet payment, can solve the problem of not verifying the authenticity of valid ID documents, and achieve the effect of improving security and solving security risks.

Inactive Publication Date: 2016-01-27
ZTE CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] At present, Internet payment does not verify the authenticity of valid identity documents when users open an account, which may bury various hidden dangers

Method used

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  • Internet payment registration authentication and implementation methods and devices
  • Internet payment registration authentication and implementation methods and devices
  • Internet payment registration authentication and implementation methods and devices

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0107] 1. As a payment terminal, the NFC portable terminal needs to be initialized. The initialization process is as follows:

[0108] If the S000 installs a software security module authorized to be released, the user needs to go to a designated website to download the software security module and complete the installation. The software security module installed on the NFC portable terminal completes the authentication with the corresponding certification center.

[0109] S010 The user downloads the payment application client from the payment platform portal and completes the installation, and completes the authentication with the payment platform.

[0110] 2. Identity authentication process:

[0111] When creating a user, the user needs to be identified first, and the process is as follows:

[0112] The user at S100 starts the payment application client, and the payment application client completes two-way authentication with the payment platform.

[0113] S110 The user ch...

Embodiment 2

[0136] Since the personal avatar and fingerprint data belong to personal privacy data, some users hope that the payment platform will not save the fingerprint feature data; in addition, the portable terminal may not support NFC and cannot read the second-generation ID card information, so the following solution is adopted:

[0137] Payment platform initialization

[0138] The S000 payment platform is connected to the identity system of the national public security department, and can call the application program interface issued by the system to complete personal identity authentication.

[0139] S010 The portable terminal downloads the software security module on the designated website and completes the installation. The software security module installed on the portable terminal completes the authentication with the corresponding certification center, and is used to complete fingerprint scanning to generate fingerprint feature data.

[0140] 2. Identity authentication proces...

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Abstract

The invention provides Internet payment registration authentication and implementation methods and devices. The registration authentication method comprises the steps as follows: a terminal acquires first feature information of a designated biometric identification feature during online payment made by a terminal user, and acquires second feature information of the designated biometric identification feature stored in the identity document of the terminal user; the terminal compares the first feature information with the second feature information; and the terminal notifies a payment platform to create an account for the terminal user to complete registration when the first feature information matches the second feature information. By adopting the technical scheme provided by the invention, the technical problem in the related technologies that there are security risks in Internet payment is solved, and the security of Internet payment is improved.

Description

technical field [0001] The invention relates to the field of Internet payment, in particular to a method and device for registering and authenticating Internet payment. Background technique [0002] Internet payment refers to the behavior of customers to purchase specific goods or services, through computers and other equipment, relying on the Internet to initiate payment instructions, and realize the transfer of monetary funds. [0003] According to the different payment service methods provided by payment institutions, Internet payment is divided into bank account mode and payment account mode. The bank account mode refers to the payment method in which the payer submits payment instructions to the account opening bank through the payment institution, and directly transfers the monetary funds in the bank account to the designated account of the payee. The payment account mode refers to the payment method in which the payer directly submits payment instructions to the paym...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/10G06Q20/40
CPCG06Q20/10
Inventor 李伟华
Owner ZTE CORP