Two-factor authentication mobile payment method and system in online cardless mode

Abstract

The invention discloses a two-factor authentication mobile payment method and system in an online cardless mode.The method comprises the following steps that online cardless password-free payment is selected through an application program of a mobile terminal provided with a mobile operator main SIM card, the main SIM card is utilized for sending a payment request containing a main SIM card identification code to a mobile operator payment platform, and the mobile operator payment platform identifies and stores the main SIM card identification code; a financial card payment device provided with a supplementary SIM card corresponding to the main SIM card receives the payment request sent by the mobile terminal, the financial card payment device sends a payment request containing a supplementary SIM card identification code to the mobile operator payment platform, and the mobile operator payment platform identifies and stores the supplementary SIM card identification code of the payment request.According to the two-factor authentication mobile payment method and system in the online cardless mode, on the premise that the payment security is not reduced, by means of the mode that the payment requests transmitted in two independent telecommunication channels are used for mutual authentication, the payment convenience and security are improved.

Description

technical field [0001] The invention belongs to the field of mobile payment, and in particular relates to a mobile payment method and system for two-factor authentication in an online card-free mode. Background technique [0002] The existing payment and settlement modes for consumption with bank cards usually include payment and settlement by swiping a bank card through a POS terminal in the offline consumption payment settlement scenario, and payment through bank online banking or third-party quick payment in the online consumption payment settlement scenario. 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 passwo...

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 with you, you cannot pass the identity verification to make payment; 2) The payment delay caused by the expiration of the SMS verification code; 3) Input the card number and add Repeated input due to manual error when coding; etc., will reduce the user's payment experience in a way that is detrimental to convenience in a certain link of consumer payment

[0005] In addition, online payment is generally carried out with the help of applications or webpages on mobile terminals. This method has disadvantages. Once the payment verification information (such as payment password) is stolen by others, it is likely to cause loss of user property

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