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Two-factor authentication mobile payment method in offline card mode and system thereof

A two-factor authentication and mobile payment technology, applied in the field of two-factor authentication mobile payment method and its system in the offline card mode, can solve the problems that consumers cannot pay without password, convenient and safe payment, and cannot enjoy convenient payment, etc. Achieve the effect of enhancing the convenience of payment, increasing consumption enthusiasm and frequency of use, and improving user experience

Inactive Publication Date: 2016-07-20
SHANGHAI WEARAPAY INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] In the current offline card transactions, consumers can neither enjoy the convenience of password-free payment while making secure payments, nor can they enjoy the convenience of payment while entering payment passwords for secure payments. In a word, the current offline card transactions The convenience and security of the payment has the dilemma that the fish and the bear's paw cannot have both

Method used

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  • Two-factor authentication mobile payment method in offline card mode and system thereof
  • Two-factor authentication mobile payment method in offline card mode and system thereof
  • Two-factor authentication mobile payment method in offline card mode and system thereof

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Embodiment Construction

[0052] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0053] see figure 1, is shown as a functional block diagram of the two-factor authentication mobile payment method in the offline card mode of the embodiment of the present invention, which includes the following steps:

[0054] S10, for the mobile terminal, select the offline card-free payment through the application program on the mobile terminal provided with the SIM card of the mobile operator,

[0055] S102, the mobile terminal sends a payme...

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Abstract

The invention discloses a two-factor authentication mobile payment method in an offline card mode and a system thereof. The method comprises steps: offline card password-free payment is selected through an application program on a mobile terminal provided with a mobile operator SIM card, the mobile terminal sends a payment request to the traditional payment platform via the SIM card, and the traditional payment platform recognizes and stores the identification code of the SIM card; a financial card payment device receives the payment request sent by the mobile terminal, and a payment message for payment is generated; the payment message is sent to a POS terminal, the payment message is sent to the traditional payment platform via a POS operator, the traditional payment platform compares the payment message with the stored identification code of the SIM card, if matching, the transaction is completed, and if not, the transaction is denied. The payment is authenticated and validated through the identification code of the mobile operator SIM card and the payment message via two independent telecommunication channels, and the safety grade can be ensured to be no lower than that when payment authentication is carried out through inputting a password.

Description

technical field [0001] The invention belongs to the field of payment, and in particular relates to a mobile payment method for two-factor authentication in an offline card-present mode and a 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, ge...

Claims

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Application Information

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IPC IPC(8): G06Q20/32G06Q20/34G06Q20/38G06Q20/40
CPCG06Q20/3229G06Q20/356G06Q20/382G06Q20/4014
Inventor 张亦农徐雄伟杨铁党任庆亮
Owner SHANGHAI WEARAPAY INC
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