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Mobile payment identity authentication method and system, and server

A technology of identity authentication and mobile payment, applied in the field of information security, can solve problems such as loss and achieve the effect of improving security

Active Publication Date: 2018-02-06
CHINA TELECOM CORP LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, due to the loss of the mobile phone and the duplication of the SIM card, it is easy to cause losses in the SMS verification code verification process during the mobile payment process.

Method used

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  • Mobile payment identity authentication method and system, and server
  • Mobile payment identity authentication method and system, and server
  • Mobile payment identity authentication method and system, and server

Examples

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Embodiment Construction

[0026] Various exemplary embodiments of the present invention will now be described in detail with reference to the accompanying drawings. It should be noted that the relative arrangements of components and steps, numerical expressions and numerical values ​​set forth in these embodiments do not limit the scope of the present invention unless specifically stated otherwise.

[0027] At the same time, it should be understood that, for the convenience of description, the sizes of the various parts shown in the drawings are not drawn according to the actual proportional relationship.

[0028] The following description of at least one exemplary embodiment is merely illustrative in nature and in no way taken as limiting the invention, its application or uses.

[0029] Techniques, methods and devices known to those of ordinary skill in the relevant art may not be discussed in detail, but where appropriate, such techniques, methods and devices should be considered part of the Authoriz...

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Abstract

The invention discloses a mobile payment identity authentication method and system, and a server, and relates to the field of information security. The method includes: obtaining position informationof a payment terminal; comparing the position information of the payment terminal and a movement track of the payment terminal to determine a geographical position trusted value of the payment terminal; and performing identity authentication on the payment terminal by employing the geographical position trusted value. According to the mobile payment identity authentication method and system, and the server, multi-dimensionalization of the geographical position information of the payment terminal is performed, statistics of the geographical position trusted value of the payment terminal is performed, risk alarm of the payment terminal with low trusted value can be realized, and the security of payment authentication is improved.

Description

technical field [0001] The invention relates to the field of information security, in particular to a mobile payment identity authentication method, server and system. Background technique [0002] With the application of mobile phone real-name system, SMS verification code has gradually replaced mailbox verification and traditional password card verification, and has become the most widely used secondary verification method, especially in the field of Internet finance, including online banking, mobile banking, third-party payment platforms, network online merchants. With the rapid development of smart phones and applications, mobile payment is mainly performed by the combination of payment password and SMS verification code. Therefore, the security of payment password and SMS verification code must be strengthened. However, due to the loss of the mobile phone and the duplication of the SIM card, it is easy to cause losses in the SMS verification code verification link duri...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/32G06Q20/38G06Q20/40
CPCG06Q20/3224G06Q20/382G06Q20/4014
Inventor 高云蔡逆水朱易翔匡华龙黄铖斌
Owner CHINA TELECOM CORP LTD