Payment verification method, system, mobile device, and security authentication device

A technology of security authentication equipment and mobile equipment, applied in the direction of payment system, payment system structure, protocol authorization, etc., can solve the problem of not being able to take into account both security and user experience at the same time, achieve both security and user experience, and overcome security and user experience , good user experience

Active Publication Date: 2020-12-18
北京明华联盟科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In view of this, the embodiment of the present invention provides a payment verification method, a mobile device, and a security authentication device to solve the problem that the payment verification method provided in the prior art cannot take into account both security and user experience.

Method used

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  • Payment verification method, system, mobile device, and security authentication device
  • Payment verification method, system, mobile device, and security authentication device
  • Payment verification method, system, mobile device, and security authentication device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0068] see figure 1 , is a schematic flow chart of the payment verification method provided in Embodiment 1 of the present invention, and is illustrated by taking the mobile device side as an example. As shown in the figure, the method may include the following steps:

[0069] In step S101, a mobile device sends first data to a security authentication device.

[0070] In the embodiment of the present invention, the security authentication device may be a Bluetooth security authentication device, or may be a WiFi security authentication device.

[0071] The bluetooth security authentication device may be a bluetooth card shield, a bluetooth smart bracelet, a bluetooth smart watch, etc., which is not limited here.

[0072] The first data may be a plain text of a random number, and may also be an instruction for the mobile device to request the security authentication device to provide a device digital certificate.

[0073] When the mobile device needs to conduct a transaction,...

Embodiment 2

[0100] see figure 2 , is a schematic flow chart of the payment verification method provided in Embodiment 2 of the present invention, and is illustrated by taking the security authentication device side as an example. As shown in the figure, the method may include the following steps:

[0101] In step S201, the security authentication device receives first data sent by the mobile device.

[0102] Step S202, the security authentication device processes the first data or the first data and the device digital certificate, generates second data, and sends the second data to the mobile device, and the mobile device processes the second data The data is processed and the verification results are obtained.

[0103] In the embodiment of the present invention, if the first data is random number plaintext and the second data is random number ciphertext, the security authentication device processing the first data includes the following steps:

[0104] Step 1. The security authenticat...

Embodiment 3

[0115] image 3 A schematic block diagram of the mobile device 3 provided by Embodiment 2 of the present invention is shown, and for convenience of description, only parts related to the embodiment of the present invention are shown. The mobile device 3 includes: a data sending module 31 , a data receiving module 32 and a data processing module 33 .

[0116] Wherein, the data sending module 31 is used to send the first data to the security authentication device;

[0117] The data receiving module 32 is configured to receive second data sent by the security authentication device, the second data is generated by the security authentication device by processing the first data or the first data and the device digital certificate;

[0118] The data processing module 33 is configured to process the second data to obtain a verification result.

[0119] Specifically, the first data is random number plaintext, the second data is random number ciphertext, and the random number ciphert...

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Abstract

The present invention is applicable to the technical field of wireless communication, and provides a method and system for payment verification, a mobile device, and a security authentication device. The method includes: the mobile device sends the first data to the security authentication device; the mobile device receives the first data sent by the security authentication device. The second data is generated by the security authentication device by processing the first data or the first data and the device digital certificate; the mobile device processes the second data to obtain a verification result . In the embodiment of the present invention, no security authentication device is operated during the transaction, the transaction time is short, the user experience is good, and compared with the traditional SMS verification scheme, the security is high, and the payment verification method provided by the prior art cannot be solved. Taking into account the issues of security and user experience, you can take both security and user experience into consideration.

Description

technical field [0001] The invention belongs to the technical field of wireless communication, and in particular relates to a payment verification method and system, a mobile device, and a security authentication device. Background technique [0002] In the era of mobile networks, more and more people conduct financial activities such as transactions and payments on mobile devices, which greatly facilitates various financial activities. [0003] However, currently commonly used mobile payment schemes have their own advantages and disadvantages. For example, the scheme using SMS verification has weak security; the scheme using security authentication equipment for transaction signature needs to carry and operate security authentication equipment, and the transaction time is longer , poor user experience. Contents of the invention [0004] In view of this, the embodiment of the present invention provides a payment verification method, a mobile device and a security verifica...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/40G06Q20/38
CPCG06Q20/38215G06Q20/401
Inventor 陈柳章
Owner 北京明华联盟科技有限公司
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