Double-factor authentication mobile payment method and system

A two-factor authentication and mobile payment technology, applied in the field of two-factor authentication mobile payment methods and systems, can solve problems such as failure to pass identity verification, payment delays, and reduced user payment experience, and achieve both convenience and security. The effect of improving user experience and enhancing payment convenience

Inactive Publication Date: 2016-06-08
SHANGHAI WEARAPAY INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Under normal circumstances, consumers hope to ensure the security of their accounts and payment process through different security verification methods. It is difficult to ensure payment convenience while ensuring payment security.
For example, the following problems hinder the convenience of payment: 1) If you do not carry the bank’s U-shield w

Method used

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  • Double-factor authentication mobile payment method and system
  • Double-factor authentication mobile payment method and system
  • Double-factor authentication mobile payment method and system

Examples

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Example Embodiment

[0040] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of them. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present invention.

[0041] See figure 1 , Shown as the principle block diagram of the two-factor authentication mobile payment method of the embodiment of the present invention, which includes the following steps:

[0042] S10, for the mobile terminal, select the online card-free secret payment through the application on the mobile terminal with the mobile operator’s primary SIM card.

[0043] S101: The mobile terminal sends a payment request to the mobile operator payment platform t...

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Abstract

The invention discloses a double-factor authentication mobile payment method and system. The method comprises the following steps that a mobile terminal sends a payment request to a mobile operator payment platform through a mobile operator main SIM card, and the mobile operator payment platform identifies and stores a main SIM card identification code; a debit card payment device provided with an auxiliary SIM card receives the payment request sent by the mobile terminal and generates a corresponding payment message; the payment message is sent to the mobile operator payment platform, and the mobile operator payment platform identifies and stores an identification code of the auxiliary SIM card sending the payment request; the mobile operator payment platform compares the auxiliary SIM card identification code reaching the mobile operator payment platform through different paths with the main SIM card identification code, and a card transaction is completed if the auxiliary SIM card identification code is matched with the main SIM card identification code, and if not, the mobile operator payment platform rejects the payment request. By means of the double-factor authentication mobile payment method and system, payment convenience can be easily improved under the premise that the safety of mobile payment is not reduced.

Description

technical field [0001] The invention belongs to the field of mobile payment, and in particular relates to a two-factor authentication mobile payment method and system thereof. Background technique [0002] The existing payment and settlement modes of using bank cards usually include payment and settlement by swiping a bank card through a POS terminal in the offline consumption payment and settlement scenario, and payment and settlement through bank online banking or third-party quick payment in the online consumption payment and settlement scenario. Payment settlement mode, and other payment settlement modes. [0003] At present, UnionPay's unified and standardized small-amount password-free payment limit is 300 yuan. Consumers can choose to open and use small-amount password-free payment. Within the specified limit, they can complete the payment without entering a password. When a consumer makes a payment that exceeds the prescribed limit, generally speaking, a password ve...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/40
CPCG06Q20/3223G06Q20/3229G06Q20/4014
Inventor 张亦农徐雄伟杨铁党任庆亮
Owner SHANGHAI WEARAPAY INC
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