Double-factor authentication mobile payment method and system

Abstract

The invention discloses a double-factor authentication mobile payment method and system. The method comprises the following steps that a mobile terminal sends a payment request to a mobile operator payment platform through a mobile operator main SIM card, and the mobile operator payment platform identifies and stores a main SIM card identification code; a debit card payment device provided with an auxiliary SIM card receives the payment request sent by the mobile terminal and generates a corresponding payment message; the payment message is sent to the mobile operator payment platform, and the mobile operator payment platform identifies and stores an identification code of the auxiliary SIM card sending the payment request; the mobile operator payment platform compares the auxiliary SIM card identification code reaching the mobile operator payment platform through different paths with the main SIM card identification code, and a card transaction is completed if the auxiliary SIM card identification code is matched with the main SIM card identification code, and if not, the mobile operator payment platform rejects the payment request. By means of the double-factor authentication mobile payment method and system, payment convenience can be easily improved under the premise that the safety of mobile payment is not reduced.

Description

technical field [0001] The invention belongs to the field of mobile payment, and in particular relates to a two-factor authentication mobile payment method and system thereof. Background technique [0002] The existing payment and settlement modes of using bank cards usually include payment and settlement by swiping a bank card through a POS terminal in the offline consumption payment and settlement scenario, and payment and settlement through bank online banking or third-party quick payment in the online consumption payment and settlement scenario. Payment settlement mode, and other payment settlement modes. [0003] At present, UnionPay's unified and standardized small-amount password-free payment limit is 300 yuan. Consumers can choose to open and use small-amount password-free payment. Within the specified limit, they can complete the payment without entering a password. When a consumer makes a payment that exceeds the prescribed limit, generally speaking, a password ve...

AI Technical Summary

Problems solved by technology

Under normal circumstances, consumers hope to ensure the security of their accounts and payment process through different security verification methods. It is difficult to ensure payment convenience while ensuring payment security.

For example, the following problems hinder the convenience of payment: 1) If you do not carry the bank’s U-shield with you, you cannot pass the identity verification to make payment; 2) The payment delay caused by the expiration of the SMS verification code; 3) Input the card number and add Repeated input due to manual mistakes during the code will reduce the user's payment experience in a way that impairs convenience in a certain link of consumer payment

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