Mobile payment method based on risk assessment and multiple credibility judgment steps

Abstract

The invention discloses a mobile payment method based on a risk assessment and multiple credibility judgment steps, and relates to a user, a commercial tenant and a mobile payment provider, wherein the Internet, a communication network and a third party network membership database server are used as hardware bases. The mobile payment method includes a network membership information registering and updating step, the multiple credibility judgment steps and a payment finishing step. Consumption information of the user each time is stored in the third party network membership database server with extremely high security in a synchronous mode, and network membership information of the user is updated and used as a basis for the risk assessment in a future mobile payment process. According to the utilization of the technical scheme of credible mobile payment, data resources of the third party network membership database server are brought in, a technical transformation of the risk assessment aspect is realized on the basis of an existing mature mobile payment hardware foundation, safety performance and operation convenience of the novel mobile payment are enormously improved, user privacy is protected effectively, and at the same time, resource waste of raw materials of real cards is effectively suppressed.

Description

technical field [0001] The invention relates to a method for realizing payment, in particular to an application method for realizing convenient consumption payment by comprehensively utilizing computer technology, network technology, database technology and encrypted communication technology. Background technique [0002] With the rapid development of the economy, the situation of commercial consumption has gradually improved and rebounded, especially the consumption by swiping cards is still strong. For traditional payment methods, consumers or other users are mostly associated with and must use financial real cards when making payments, including debit cards, credit cards, voucher cards, and medical insurance cards of major banks. The increasingly perfect citizen card and so on. These real cards require users to carry them with them and present them when using them, which poses a greater risk of being lost or robbed. Moreover, most of the real cards are related to person...

AI Technical Summary

Problems solved by technology

As for the citizen card popularized in more developed cities in China, since it integrates the powerful financial functions of fund storage and credit card consumption, its payment security (risk control) and payment efficiency (settlement speed) is a major contradiction between

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