Virtual account convenient application system based on mobile terminal and achieving method thereof

Abstract

The invention discloses a virtual account convenient application system based on a mobile terminal and an achieving method thereof. The mobile terminal of a user serves as a carrier, and the mobile terminal is connected with a cash terminal and a reliable mobile service platform of a merchant through the internet or a communication network. Based on the binding relation of a cell phone account of the mobile terminal and a virtual account, the reliable mobile service platform utilizes cell phone hardware to serve as an important medium for identification to achieve a basis of identification verification and trading monitoring, and provides various consumption modes regarding mobile payment consumption movements of a series of virtual accounts for each user in various application places. With the development of popularization of intelligent cell phones and the mobile internet, by the adoption of the technical scheme of the virtual account convenient application system, transaction safety is ensured, manufacturing cost of a financial practical card is reduced, and abuse of a false card is thoroughly eradicated, operation cost of mobile payment is reduced, and safety and low cost of the virtual account convenient application system based on the mobile terminal further facilitate popularization.

Description

technical field [0001] The invention relates to a trusted mobile payment service platform, in particular to an application method for comprehensively utilizing cloud computing, network, database management and encrypted communication to realize safe and convenient consumption payment. 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, when consumers or other users make payments, most of them are associated with and must use real cards with a certain stored-value debit function, including relatively common debit cards from major banks according to the scope of the application Debit cards, credit cards, voucher cards for special shopping malls, medical insurance cards for medical institutions, all-in-one cards for students within the campus, or special all-in-one cards for science and t...

AI Technical Summary

Problems solved by technology

In the face of the above huge real card consumption pressure, especially the proliferation of counterfeit credit cards and crazy fraud, today's mobile payment is also facing formidable challenges, from the following aspects: 1. Trojan horse virus risk, the current Trojan horse Viruses are becoming more and more intelligent, and the mutation is difficult to control. If the traditional killing methods are not followed up in time, they will not be able to prevent or completely eliminate them. For example, the "package virus" that broke out in 2013 will directly threaten the security of mobile payment, especially for People worry that the complete eradication of virus infringement can only be identified through behavioral analysis; 2. Account security. Currently, websites related to online banking or mobile payment are increasingly becoming the targets of hackers. Due to the inherent defects of the traditional account model, such websites The large amount of account information stored in the database is extremely insecure, and account information is often stolen and published information is seen in the world.

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