User verification method and device based on bank card quick payment contract signing

Abstract

One or more embodiments of the invention disclose a user verification method and device based on bank card quick payment signing. The method comprises the following steps of: enabling application software to verify the account information of a to-be-verified user and a mobile phone number of a user terminal where the application software is located; sending an identification code and a reserved mobile phone number to a background server of the application software; and sending a verification request message generated according to the identification code and the basic information of the reserved mobile phone number to the target base station, enabling the target base station to verify the legality of the reserved mobile phone number based on the verification request message; after the operator server verifies the legality of the target base station, sending a verification request message sent by the target base station to the background server, and enabling the background server to verify the user to be verified according to the verification request message, the identification code and the reserved mobile phone number. According to one or more embodiments of the invention, interaction operation is simplified, the verification efficiency and success rate are improved, and data security in the whole verification process is also improved.

Description

technical field [0001] This specification relates to the field of computer technology, and in particular to a user verification method and device based on bank card fast payment signing. Background technique [0002] With the continuous development of Internet technology, online shopping has become a common shopping method for the public. It is inevitable to solve the problem of payment in online shopping. At present, the commonly used payment methods include online banking payment and quick payment. Because the quick payment method does not need to open online banking, and has a convenient and fast operation process and a high safety factor, it has been quickly promoted. Before using fast payment, it is necessary to complete the signing of fast payment by bank card and generate a fast payment agreement. However, in the signing of fast payment by bank card, the process of verifying the user is an important link in the signing of fast payment by bank card. [0003] The com...

AI Technical Summary

Problems solved by technology

[0005] The purpose of one or more embodiments of this specification is to provide a user verification method and device based on a bank card quick payment contract to solve the problem of cumbersome user interaction in the process of user verification in the prior art and the occurrence of user Misremembering the SMS verification code leads to multiple verifications or unsuccessful verifications, as well as high network delays, which reduces the efficiency of user verification and data security issues during the user verification process

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