Recognition method for electronic payment by short message service

A payment authentication and electronic payment technology, applied in the payment system structure, accounting/billing service, wireless communication, etc., can solve the problems of illegal use of credit cards, easy to be stolen by others, etc., and achieve the effect of simple payment and low worry

Inactive Publication Date: 2005-03-23
北京莫比利安斯咨询有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The use of credit cards in conventional e-commerce will cause a problem. Users need to directly input credit card numbers, passwords and other information on the Internet, which is easy to be stolen by people and illegally use credit card information.

Method used

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  • Recognition method for electronic payment by short message service
  • Recognition method for electronic payment by short message service
  • Recognition method for electronic payment by short message service

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Embodiment approach

[0028] Below we will describe in detail the best implementation of the present invention with reference to the accompanying drawings. First of all, it should be pointed out that the meanings of the terms, words and claims used in the present invention should not be limited to their literal and ordinary meanings, but also include meanings and concepts consistent with the technology of the present invention, because It is up to us, as inventors, to define terms appropriately in order to best describe our inventions. Therefore, the configurations given in this specification and the accompanying drawings are only preferred implementations of the present invention, rather than enumerating all technical characteristics of the present invention. We need to recognize that there are various equivalents or modifications that could replace ours.

[0029] figure 1 It is a schematic diagram of a system, and the system realizes the authentication method of electronic payment by using the ...

no. 2 approach

[0085] In the aforementioned first embodiment, the user uses the authentication key management program to generate an authentication key, and the online supermarket is connected to the payment authentication server 40. When the user is shopping in the online supermarket, he only needs to enter the payment password to conveniently conduct electronic payment. pay.

[0086] In the following, we discuss the second implementation solution. At this time, the user does not need to use the authentication key management program to register the preliminary authentication information including the number of the mobile terminal 20 and the payment password with the payment authentication server 40 . In the second embodiment, the operation procedure is exactly the same as the steps performed after passing the preliminary authentication (starting from the issuance of the authentication number by the payment authentication server 40) in the first embodiment. Therefore, the steps in the second...

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Abstract

The invention relates to an approach of using SMS service of advance payment mobile terminal to conduct electronic payment. When mobile user shops from network supermarket, advance payment mobile terminal number and payment cipher is supplied to payment authentication server as initiative authentication information. The server search initiative authentication information in database to execute first authentication. If passing, a random number is sent to mobile terminal through SMS by authentication server and the authentication number is received again from network supermarket. The server checks whether the two numbers are consistent to conduct the second authentication. If passing again, the server requests mobile service provider to subtract payment from balance. In this way, if user has no mobile terminal, although he knows payment information, he can't pass electronic payment authentication, which makes electronic commerce more convenient and safe.

Description

technical field [0001] The invention is an electronic payment authentication method applied to electronic commerce, specifically, it is a method for electronic payment authentication using short message service (SMS) of a mobile terminal. Background technique [0002] In electronic commerce, we conduct transactions for goods or services partially or fully electronically (such as electronic document exchange). To conduct e-commerce, customers must visit a virtual store, that is, an online supermarket, through some kind of terminal (such as a computer connected to the Internet) to find the goods or services they need. If you find the desired goods or services, submit your purchase intention to the online supermarket, and then pay the fee by credit card or online remittance. [0003] The use of credit cards in conventional e-commerce can bring a problem. Users will directly input information such as credit card numbers and passwords on the Internet, which can easily be stolen ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00H04W4/14H04W4/24H04W12/041H04W12/06
Inventor 李冈燮
Owner 北京莫比利安斯咨询有限公司
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