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Method and device for realizing secure payment based on payment confirmation terminal and digital certification

A technology of digital certificates and terminal devices, which is applied in payment architecture, data processing applications, user identity/authority verification, etc.

Inactive Publication Date: 2010-08-25
刘辛越 +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Although electronic payment services / applications have maintained a good development trend in the world, due to insecure factors in various links such as payment terminals and network communication environments, as well as the sensitivity of electronic transactions, all transaction links of electronic payment still face huge security risks. Hidden dangers have seriously affected the development of electronic payment services / applications

Method used

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  • Method and device for realizing secure payment based on payment confirmation terminal and digital certification
  • Method and device for realizing secure payment based on payment confirmation terminal and digital certification
  • Method and device for realizing secure payment based on payment confirmation terminal and digital certification

Examples

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Embodiment approach

[0068] 1. An embodiment of a method for realizing secure electronic payment based on an independent payment confirmation terminal and digital certificate technology

[0069] When implementing the "method for realizing secure electronic payment based on independent payment confirmation terminal and digital certificate technology" of the present invention, it is a better implementation mode to establish a payment confirmation background service system device shared by multiple payment systems, because in this way, The payment confirmation background service system device can provide unified services externally, can effectively reduce construction costs, and improve the versatility of the method and device of the present invention.

[0070] The implementation process includes:

[0071] a. Build a common payment confirmation background service system, which has the ability to use certificates, and can provide user data management, payment system device management and dedicated pay...

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Abstract

The invention provides a method and device for realizing secure payment based on a payment confirmation terminal and digital certification technology. The method is characterized in that in the electronic payment transaction, when the subscriber starts electronic payment at the electronic terminals such as the mobile terminal of the mobile phone, the PC terminal on the internet, the telephone terminal and the like, the payment information is transferred to the payment confirmation terminal independent of payment starting equipment via an independent payment confirmation channel, the subscriber checks the payment information through the payment confirmation terminal and submits the payment confirmation information to a payment system through the payment confirmation terminal and the payment confirmation channel, the payment system can only execute payment operation after receiving the payment confirmation information, and the payment confirmation terminal carries out digital signature protection on the confirmation information. The method can effectively prevent hackers from attacking electronic payment and the transaction process, thereby ensuring the payment and fund security of the subscriber.

Description

【Technical field】 [0001] The invention belongs to the field of electronic payment security, and relates to various payment operations such as Internet payment, mobile payment, ATM withdrawal and transfer, and cash register payment initiated by a user through a terminal such as a mobile phone / computer. The payment request is confirmed, and the payment confirmation terminal adopts digital certificate and digital signature technology to confirm the payment request, and is connected with the payment confirmation background service system through the mobile communication network, which is a method and device for realizing safe electronic payment and transaction. 【technical background】 [0002] At present, with the development of electronics and communication technology, electronic payment has achieved great development all over the world. Although electronic payment services / applications have maintained a good development trend in the world, due to the insecurity of payment termi...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00H04L9/32
Inventor 刘辛越李东风
Owner 刘辛越
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