Mobile Internet payment risk control method and system

Abstract

The invention discloses a mobile Internet payment risk control method and system. The method includes steps: S1, a mobile device submits an order and enters a payment page, a purification module is started at the moment, an antivirus unit scans a mobile phone and automatically cleans viruses, and when the mobile device is connected with a wireless network, a network check unit is started to confirm the security of the wireless network; meanwhile, a cleaning unit in the purification module forcedly closes all operating third party background software, and when the purification module is safelypassed, a payment module is entered; S2, after the payment module is entered, firstly verification is passed through a payment password and a fingerprint password, and when the payment amount exceedsa specific amount, the mobile device receives a dynamic password, and the payment is completed through second verification of input of the dynamic password; and S3, the payment fund enters a background processing module for saving. According to the method and system, the security is high, dual safety protection can be realized before and after payment of the mobile device, and payment risks are greatly avoided.

Description

technical field [0001] The present invention relates to the technical field of mobile internet payment, in particular to a risk control method and system for mobile internet payment. Background technique [0002] Since May 2010, Square, an overseas mobile payment collection POS product, has developed rapidly. Alipay, the leader in online payment, launched the BarcodePay product, which directly impacted the offline acquiring market. In view of this, UnionPay has made a comprehensive analysis and research on Square products, combined with China's financial acceptance environment, firstly guides the product to develop in the direction of personal payment products, and opens up new ways of mobile payment, such as Yipaipay and mobile card payment; In terms of technology and business, study its feasibility as a collection terminal, and develop a market for merchants to collect payments through smart terminals without disrupting the offline POS market. All banks, financial instit...

AI Technical Summary

Problems solved by technology

[0005] The purpose of the present invention is to provide a mobile Internet payment risk control method and system, which has high security performance, can perform double security protection before and after payment on mobile devices, greatly avoids the advantages of payment risks, and solves the existing problems. Insufficient system security, lack of purification module before payment through mobile devices, vulnerable to virus dumping or user information stolen by third-party software, lack of sufficient security authentication module before payment, unable to guarantee that the payee is a safe user

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