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System and method of dynamic electronic certificate authentication

An electronic certificate, dynamic technology, applied in the direction of electronic certificate, payment system, etc., can solve problems such as affecting authentication verification and transaction speed, reducing user experience, etc., to improve user experience, improve speed, and reduce network costs.

Active Publication Date: 2016-01-13
咪付(深圳)科技有限公司
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  • Summary
  • Abstract
  • Description
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Problems solved by technology

This affects authentication checksum transaction speed and reduces user experience

Method used

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  • System and method of dynamic electronic certificate authentication
  • System and method of dynamic electronic certificate authentication

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Embodiment Construction

[0026] The present invention will be further described below in conjunction with the accompanying drawings.

[0027] Such as figure 1 The system for dynamic electronic certificate authentication shown includes a system server, an encryption machine, a mobile smart terminal and a POS machine. The smart mobile terminal includes a communication module, an application module, and a Bluetooth module. The POS machine has a built-in Bluetooth module and an encryption and decryption module (such as PSAM card, usb-key). Mobile smart terminals (such as smart phones) request a dynamic electronic certificate from the system server through a communication mode (such as GPRS, 3G, 4G network or WIFI network). The system server sends the prepared dynamic electronic certificate back to the smart phone through the network. The POS machine receives the dynamic electronic certificate sent by the smart phone through the Bluetooth module, and calls the PSAM card module for authentication. The P...

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Abstract

The invention relates to a system and method of dynamic electronic certificate authentication. When a near-field mobile payment is performed, a mobile intelligent terminal is connected with a system server through a network to obtain a dynamic electronic certificate, the mobile intelligent terminal sends the dynamic electronic certificate via a built-in Bluetooth module through a low-power-consumption Bluetooth technology to a POS machine to perform authentication; and, when the POS machine performs the authentication, the system server does not need to be connected, a built-in PSAM card of the POS machine can be directly called to perform rapid decryption authentication for the dynamic electronic certificate. Compared with the prior art, the scheme does not have a risk of the brute force attack, improves authentication verification and transaction speeds, has the advantages of high stability and reliability, greatly improves user experience, and can reduce a cashier merchant's network cost. For some scenes (such as buses and subway) which needs user authentication and transaction to be rapidly completed, the method can reflect an advantage.

Description

technical field [0001] The invention relates to the field of mobile payment, in particular to a system and method for dynamic electronic certificate authentication. Background technique [0002] With the development of information technology, mobile payment has been applied more and more. The primary task before mobile payment is to perform security authentication on the user's identity. Dynamic token technology is one of the security authentication standards widely recognized at present. Dynamic tokens can generate an unpredictable combination of random numbers (dynamic password) according to a special algorithm. A password is valid once used. It is a safe and convenient account anti-theft technology that can effectively protect the authentication security of transactions and logins. Therefore, more and more enterprises are dynamically tokenizing identity authentication and transaction authentication technologies in their business systems. In the electronic payment indus...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38
CPCG06Q20/3821
Inventor 曾满祥陆生齐
Owner 咪付(深圳)科技有限公司
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