A payment method and device based on SMS verification code

Abstract

The invention discloses a payment method based on a short message verification code. After receiving a payment request sent by a client, the method generates a corresponding short message verification code according to the payment request, encrypts and processes the short message verification code and signs the short message verification code, and sends the short message The verification code ciphertext and verification code signature are sent to the client, so that the client can verify the signature of the verification code. After the signature verification is passed, the SMS verification code ciphertext is decrypted to obtain the SMS verification code, and the user completes the payment operation after inputting . The whole process uses certificateless public key cryptography to sign and encrypt SMS verification codes, which realizes the encryption and signature verification of SMS verification codes during transmission and ensures the security of SMS verification codes; at the same time, certificateless public key cryptography does not involve certificate management and keys Management problems, simplifying the processing process of SMS verification codes, and saving costs. Correspondingly, the payment device, equipment and readable storage medium based on the short message verification code disclosed in the present invention also have the above-mentioned 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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