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Security control method and security control system of mobile payment

A mobile phone payment and security control technology, applied in the financial field, can solve problems such as embezzlement of accounts, and achieve the effect of strong versatility

Inactive Publication Date: 2011-11-23
GRG BAKING EQUIP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The existing mobile payment authentication methods have the following disadvantages: when using mobile payment, the payment account and the mobile phone must be bound, if the mobile phone is accidentally lost, and the payment password set by the user is too simple, it will be easy for others to steal the account

Method used

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  • Security control method and security control system of mobile payment

Examples

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Embodiment Construction

[0035] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0036] see figure 1 , is a schematic flow chart of a mobile phone payment security control method provided in Embodiment 1 of the present invention, and the method includes the following steps:

[0037] S1. Log in to the trading platform through a mobile phone, and the voice channel of the mobile phone is connected to the security token; the trading platform and the security token perform two-way authentication;

[0038] Wherein, the transaction platform correspon...

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Abstract

The invention discloses a security control method and a security control system of mobile payment. The method comprises the following steps that: a transaction platform is logged in through a mobile phone, and a voice channel of the mobile phone accesses a security token; the transaction platform and the security token carry out two-way authentication; after the two-way authentication passes, the mobile phone imports user payment data and transmits the user payment data to the security token through the voice channel; the security token calls an encryption algorithm and key data, which are arranged in the security token, encrypts the user payment data, and returns the encrypted user payment data and corresponding digital signing information to the mobile phone; and the mobile phone transmits the encrypted user payment data and the corresponding digital signing information to the transaction platform. By adoption of the embodiment of the invention, risks on faking of the user identity, falsification of transaction information and theft of account assets can be reduced, and the security of the mobile payment is improved.

Description

technical field [0001] The invention relates to the field of financial technology, in particular to a mobile phone payment security control method and system. Background technique [0002] Mobile payment, also known as mobile payment (Mobile Payment), is a service method in which mobile users use their mobile terminals (usually mobile phones) to pay for the goods or services they consume. Domestic commercial banks have successively opened their own mobile banking in some areas to provide mobile phone users with convenient personalized financial services and fast payment channels. However, the overall security of mobile payment is not satisfactory. How to ensure the security of mobile payment has become the focus of attention of users and banks. [0003] The related parties of mobile payment mainly include: acquirer system, mobile billing system, mobile banking and shopping websites. Among them, the acquirer system refers to the settlement units or enterprises that collect ...

Claims

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Application Information

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IPC IPC(8): G06Q20/00
CPCG06Q20/3226H04L2209/80H04L9/3215G06Q20/3823G06Q20/3223H04L2209/56H04L9/3234
Inventor 罗攀峰韩英彬霍国杰
Owner GRG BAKING EQUIP CO LTD
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