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Secure payment system and method for a mobile terminal

A mobile terminal and payment system technology, applied in the payment field, can solve problems such as account information leakage, consumer fund loss, etc., to achieve the effect of ensuring security and avoiding loss of funds

Pending Publication Date: 2019-08-02
上海方付通科技服务股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The above-mentioned payment software payment must be associated with a bank card or credit card, and bound to a mobile terminal to complete the payment. When using a free open network and scanning an unknown two-digit code, etc., there is a bound bank card or credit card account Risk of Information Leakage
In addition, for hardware payment such as POS machines, Shenzhen Tong, etc., bank cards and credit cards are required to be swiped when paying, and there is also a risk of account information leakage
Loss of money to consumers

Method used

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  • Secure payment system and method for a mobile terminal

Examples

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Embodiment

[0072] An individual user uses a mobile phone as a mobile terminal device, adopts an eID authentication server, and stores the token in the security module of the mobile phone for hardware encryption protection, and uses the secure payment system of the present invention to carry out the APP payment operation of the mobile phone as follows;

[0073] First, follow the steps below to activate the eID certificate:

[0074] 1) The user submits a request to establish an eID certificate to the server of the card issuer;

[0075] 2) The server of the card issuer writes a signature and a PIN code into the security module according to the user information set by the user;

[0076] 3) Generate public and private keys by the security module, and return the public key to the card issuer server;

[0077] 4) The card issuer server sends the user information and public key to the eID authentication server to apply for establishing an eID certificate;

[0078] 5) The eID authentication serv...

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Abstract

The invention discloses a secure payment system for a mobile terminal. The secure payment system comprises a mobile terminal device, a terminal binding program, an authentication server, a special server for the payment system, tokens, a token server and a card issuing bank, wherein the tokens are bound with a bank account, the tokens are bound with unique identification information of users in anauthentication server, and the tokens are stored in mobile terminal device or a special server for a payment system. According to the secure payment system and method for the mobile terminal, tokensare adopted among merchants, acquirers and transaction transfer servers to identify cards in the whole payment process, and for the card number with the most important account information. The card number is only transmitted among the transaction transfer servers, the token servers and the card issuing bank. The safety of the card number is ensured by limiting the activity range of the card number, and the probability of leakage is reduced.

Description

technical field [0001] The invention relates to the technical field of payment, in particular to a mobile terminal security payment system and method. Background technique [0002] With the popularity of mobile smart operating systems, 4G networks, and the widespread application of cloud computing, mobile electronic devices and various rich applications emerge in an endless stream, which also promotes the continuous updating of payment methods, and more and more payment software is used, such as WeChat Payment, Alipay payment, etc. The above-mentioned payment software payment must be associated with a bank card or credit card, and bound to a mobile terminal to complete the payment. When using a free open network and scanning an unknown two-digit code, etc., there is a bound bank card or credit card account Risk of Information Leakage. In addition, for hardware payment such as POS machines, Shenzhen Tong, etc., bank cards and credit cards are required to be swiped when payi...

Claims

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Application Information

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IPC IPC(8): G06Q20/20G06Q20/34G06Q20/38G06Q20/40
CPCG06Q20/206G06Q20/351G06Q20/38215G06Q20/3825G06Q20/4012
Inventor 闵晓琼
Owner 上海方付通科技服务股份有限公司
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