Payment method and apparatus based on short message verification code

Abstract

The present invention discloses a payment method based on a short message verification code. The method comprises: after receiving a payment request sent by a client, generating a corresponding shortmessage verification code according to the payment request; after encrypting the short message verification code and signing the short message verification code, sending a short message verification code ciphertext and a verification code signature to the client, so that the client can verify the verification code signature; and after the verification is passed, decrypting the short message verification code ciphertext, and obtaining the short message verification code, so that the user can complete the payment operation after inputting the short message verification code. According to the technical scheme of the present invention, the certificateless public key password is used in the whole process to sign the short message verification code, the encryption verification of the short message verification code during transmission is realized, and the security of the short message verification code is ensured; and at the same time, by using the certificateless public key password, the problems of certificate management and key management are not involved, so that the process for processing the short message verification code is simplified, and the costs are saved. Correspondingly, the present invention also discloses a payment apparatus and device based on the short message verification code, and a readable storage medium, which also have the technical effects.

Description

technical field [0001] The present invention relates to the technical field of e-commerce transactions, and more specifically, relates to a payment method, device, equipment and a readable storage medium based on a short message verification code. Background technique [0002] With the continuous integration and development of computer technology, Internet technology and e-commerce technology, e-commerce has become an indispensable transaction activity in today's society. Consumers shop and pay online, which not only saves time and space for customers and enterprises, but also improves transaction efficiency. [0003] At present, when payment is based on e-commerce, security authentication is generally performed through SMS verification codes, dynamic passwords, digital certificates, etc. Among them, security verification using SMS verification codes is relatively low in cost and easy to implement. However, because the SMS verification code is transmitted in plain text, its...

AI Technical Summary

Problems solved by technology

However, because the SMS verification code is transmitted in plain text, its security is low. If the SMS verification code is encrypted based on the CA center and key escrow, due to key management problems, the transaction payment process will be more cumbersome and reduce the processing time. Efficiency, which also increases the cost of technology

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