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Mobile payment method and system

A mobile payment and mobile terminal technology, applied in the field of communications, can solve the problem of inability to perform mobile payment

Inactive Publication Date: 2016-08-17
WANJI FUSION INFORMATION TECH BEIJING CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Aiming at the problem in the prior art that the mobile terminal cannot perform mobile payment when the data access is not smooth, the purpose of the present invention is to propose a mobile payment method and system , able to complete reliable mobile payment without network

Method used

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  • Mobile payment method and system

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Embodiment Construction

[0035] A preferred embodiment of the present invention will be described below with reference to the accompanying drawings.

[0036] in Token is a common authentication method used in most Web APIs Internet companies use token The authentication method, which is the best way to handle authentication under multi-user, has the following advantages: stateless, scalable; supports mobile devices; cross-program calls; security. existing based on Token The authentication process is as follows :

[0037] 1. The user sends a request with username and password;

[0038] 2. Program verification;

[0039] 3. The program returns a signed token to the client;

[0040] 4. client storage token, And each time for each send request;

[0041] 5. server authentication token and return the data.

[0042] Every request in the authentication method requires token ,in token should be in HTTP The header is sent thus ensuring that Http...

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Abstract

The embodiments of the invention bring forward a mobile payment method and system. The method comprises the following steps: 1, a mobile terminal generating an identification code locally, wherein the identification code is generated by the mobile terminal according to security parameters through an sm3-topt encryption algorithm, and the security parameters at least comprise Token identity information, cipher information and time stamp information; 2, a trade company, after obtaining the identification code from the mobile terminal through a scanning machine, sending the identification code and a consumption sum to a preset server for authentication; and 3, the server, after receiving an authentication request sent by the trade company, decrypting the identification code so as to obtain the Token identity information, the cipher information and the time stamp information of the mobile terminal, verify the Token identity information, the cipher information and the time stamp information and after verification succeeds, carry out payment and return success information to the trade company first.

Description

technical field [0001] The invention relates to the technical field of communication, in particular to a mobile payment method and system. Background technique [0002] With the development of society, smart mobile terminals have become a very important part of people's lives by virtue of their processing and communication capabilities. More and more important information is stored in smart mobile terminals, and more and more jobs have been Completed by the mobile terminal. Mobile payment can greatly improve the convenience of payment. People do not need to carry a large amount of cash or credit cards, but only rely on mobile terminals to complete the payment. The realization of mobile payment depends on the security of the mobile terminal operating system and the security of data transmission. The specific process includes: [0003] That is, the user's mobile terminal obtains an identification code symbolizing the user's identity from a corresponding server, and the ident...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/40
CPCG06Q20/3274G06Q20/4014
Inventor 于世浩王宗斌曲展
Owner WANJI FUSION INFORMATION TECH BEIJING CO LTD
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