CN104268756B - Method of mobile payment and system - Google Patents
Method of mobile payment and system Download PDFInfo
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- CN104268756B CN104268756B CN201410478854.0A CN201410478854A CN104268756B CN 104268756 B CN104268756 B CN 104268756B CN 201410478854 A CN201410478854 A CN 201410478854A CN 104268756 B CN104268756 B CN 104268756B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4012—Verifying personal identification numbers [PIN]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention discloses a kind of method of mobile payment, when receiving payment instruction, obtain the personal recognition code of multiple subscriber identification cards in mobile terminal；Verification information is generated based on the personal recognition code got, and payment request is generated based on the payment information in the verification information and payment instruction；The payment request is sent to the server, so that server verifies the verification information in the payment request, and responds the payment request when being verified.The invention also discloses a kind of mobile-payment systems.It is more accurate that the invention enables mobile payments.
Description
Technical field
The present invention relates to mobile payment technical field more particularly to method of mobile payment and systems.
Background technique
With the development of science and technology, the mobile terminals such as mobile phone and PAD have been widely applied, pole is brought to people's lives
It is big convenient, and since mobile terminal is easy to carry, almost become must realize and moving using mobile phone with product in people's daily life
Payment can save the worry that people carry buckets of cash, IC card and bank card, so that payment process is simpler quick.
But during existing mobile payment, generally know only with the personal of the subscriber identification card for initiating payment request
Other password carries out authentication operations, is installed in that other terminals are former can so to be propped up in the subscriber identification card for authentication
Operation is paid, safety is lower.
Above content is only used to facilitate the understanding of the technical scheme, and is not represented and is recognized that above content is existing skill
Art.
Summary of the invention
It is a primary object of the present invention to solve the lower technical problem of mobile payment process safety.
To achieve the above object, a kind of method of mobile payment provided by the invention, the method for mobile payment include following
Step:
When receiving payment instruction, the personal recognition code of multiple subscriber identification cards in mobile terminal is obtained；
Verification information is generated based on the personal recognition code got, and is based on the verification information and the branch
The payment information paid in instruction generates payment request；
The payment request is sent to the server, for server to the verification information in the payment request into
Row verifying, and the payment request is responded when being verified.
Preferably, described that verification information is generated based on the personal recognition code got, and believed based on the verifying
Breath and the payment instruction in payment information generate payment request the step of include:
The personal recognition code that will acquire generates verification information according to preset encryption keys, and obtains institute
State the payment information in payment instruction；
Generation payment request is packaged to the verification information and payment information.
Preferably, described that verification information is generated based on the personal recognition code got, and believed based on the verifying
Breath and the payment instruction in payment information generate payment request the step of include:
The mobile device identification code of the personal recognition code and the mobile terminal that will acquire is according to preset
Encryption keys, to generate verification information；
The payment information in the payment instruction is obtained, and generation is packaged to the verification information and payment information
Payment request.
Preferably, the method for mobile payment further include:
In the subscriber identification card replacement of mobile terminal, verify data is sent to server and updates request, for clothes
Business device updates request to the verify data received and verifies；
When being proved to be successful information of server transmission is being received, the individual of the subscriber identification card after replacement is being identified
Password is sent to server, so that server updates verify data based on the personal recognition code received.
Preferably, described in the subscriber identification card replacement of mobile terminal, verify data, which is sent, to server updates
Request, after requesting the step of verifying to the update received for server, the method for mobile payment further include:
When receiving the authentication failed information that server is sent, the subscriber identification card in the mobile terminal is locked.
In addition, to achieve the above object, the present invention also proposes a kind of mobile-payment system, the mobile-payment system packet
It includes:
Module is obtained, for obtaining each subscriber identification card in mobile terminal when receiving payment instruction
Personal recognition code；
Generation module for generating verification information based on the personal recognition code got, and is based on the verifying
Payment information in information and the payment instruction generates payment request；
Sending module, for the payment request to be sent to the server, so that server is to the payment request
In verification information verified, and the payment request is responded when being verified.
Preferably, the generation module includes:
Encryption unit, the personal recognition code for will acquire is generated according to preset encryption keys to be verified
Information；
Acquiring unit, for obtaining the payment information in the payment instruction；
Generation unit, for being packaged generation payment request to the verification information and the payment information.
Preferably, the generation module includes:
Encryption unit, the mobile device identification for the personal recognition code and the mobile terminal that will acquire
Code is according to preset encryption keys, to generate verification information；
Acquiring unit, for obtaining the payment information in the payment instruction；
Generation unit, for being packaged generation payment request to the verification information and the payment information.
Preferably, the sending module is also used to send out in the subscriber identification card replacement of mobile terminal to server
It send verify data to update request, is verified so that server updates request to the verify data received, and receiving
When being proved to be successful information of server transmission, is sent to service for the personal recognition code of the subscriber identification card after replacement
Device, so that server updates verify data based on the personal recognition code received.
Preferably, the mobile-payment system further include:
Locking module, for locking the use in the mobile terminal when receiving the authentication failed information that server is sent
Family identification card.
Method of mobile payment proposed by the present invention and system, when carrying out mobile payment, by will be multiple in mobile terminal
Verification information after the personal recognition code encryption of subscriber identification card as mobile payment, needs to know in all user identity
When the personal recognition code not blocked matches, server could respond payment request, so that mobile payment is more accurate.
Detailed description of the invention
Fig. 1 is the flow diagram of method of mobile payment first embodiment of the present invention；
Fig. 2 is the flow diagram of method of mobile payment second embodiment of the present invention；
Fig. 3 is the flow diagram of method of mobile payment 3rd embodiment of the present invention；
Fig. 4 is the functional block diagram of mobile-payment system first embodiment of the present invention；
Fig. 5 is the functional block diagram of mobile-payment system second embodiment of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of method of mobile payment.
Referring to Fig.1, Fig. 1 is the flow diagram of method of mobile payment first embodiment of the present invention.
The present embodiment proposes that a kind of method of mobile payment, the method for mobile payment include:
Step S10 obtains the personal of multiple subscriber identification cards in mobile terminal and knows when receiving payment instruction
Other password；
In the present embodiment, which includes SIM, UIM card and PIM card etc., different user identity
The corresponding operator of identification card is different.Can be when user to click the payment information in payment interface and confirms control, triggering payment refers to
It enables, is either based on the modes such as NFC or two dimensional code in user and triggers payment instruction.When subscriber identification card is SIM card,
Corresponding individual's recognition code is PIN code.
Step S20 generates verification information based on the personal recognition code got, and based on the verification information with
And the payment information in the payment instruction generates payment request；
The payment request is sent to the server by step S30, so that server is to testing in the payment request
Card information is verified, and the payment request is responded when being verified.
In the present embodiment, described that verification information is generated based on the personal recognition code got, and it is based on the verifying
The specific embodiment that payment information in information and payment instruction generates payment request is as follows:
1) first embodiment, the step S20 include:
The personal recognition code that will acquire generates verification information according to preset encryption keys, and obtains institute
State the payment information in payment instruction；
Generation payment request is packaged to the verification information and the payment information.
The personal recognition code that will acquire according to preset encryption keys generate verification information when, can first according to
Preset sequence arranges the corresponding individual of (priority orders of such as each subscriber identification card) each subscriber identification card
Recognition code, and encryption is carried out to each subscriber identification card arranged and generates verification information；Or it can be respectively to each
The corresponding personal recognition code of subscriber identification card carries out encryption and generates verification information.The payment information may include payment amount
Numerical value.
It is raw according to preset encryption keys by the personal recognition code of multiple subscriber identification cards in verification information
Cheng Shi, server verifies the verification information in the payment request, and detailed process is as follows: receiving the payment
When request, the server obtains the verification information in the payment request；Determine the user identity identification for initiating payment request
Block associated each subscriber identification card, based on determining subscriber identification card and the user identity of initiation payment request
The personal recognition code of identification card generates verify data, and when verify data is matched with the verification information got, and determination is tested
It demonstrate,proves successfully.Alternatively, the server obtains the verification information in the payment request when receiving the payment request；Institute
Server is stated to be decrypted to obtain ciphertext data according to the verification information that preset key pair is got；It determines and initiates payment request
The associated each subscriber identification card of subscriber identification card, determine initiate payment request subscriber identification card and
When associated each subscriber identification card is matched with ciphertext data, determination is proved to be successful.
2) second embodiment, the step S20 include:
The mobile device identification code of the personal recognition code and the mobile terminal that will acquire is according to preset
Encryption keys, to generate verification information；
The payment information in the payment instruction is obtained, and the verification information and the payment information are packaged
Generate payment request.
Add by the mobile device identification code of personal recognition code and the mobile terminal according to preset encryption key
It is dense at verification information when, personal recognition code and mobile device identification code can be encrypted respectively.
Added by the mobile device identification code of personal recognition code and the mobile terminal according to preset in verification information
When key encryption generates, server verifies the verification information in the payment request, and detailed process is as follows: connecing
When receiving the payment request, the server obtains the verification information in the payment request；The server is tested described
Card information, which is decrypted, obtains first man recognition code and mobile device identification code, and based on the mobile device identification prestored
Mapping relations between code and personal recognition code determine that the corresponding second people identification of the mobile device identification code obtained is close
Code；When first man recognition code and second people are parted by death password match, determination is proved to be successful.
It is listed above enumerate verification information is generated based on the personal recognition code got under the conditions of different preset,
And it is merely exemplary based on the implementation that the payment information in the verification information and payment instruction generates payment request
, those skilled in the art utilize technical idea of the invention, other proposed according to its specific requirements are different preset
Under the conditions of verification information generated based on the personal recognition code that gets, and based in the verification information and payment instruction
The implementation that payment information generates payment request is within the scope of the invention, herein without exhaustive one by one.
The method of mobile payment that the present embodiment proposes, when carrying out mobile payment, by by users multiple in mobile terminal
Verification information after the personal recognition code encryption of identification card as mobile payment, needs in all subscriber identification cards
Personal recognition code when matching, server could respond payment request, so that mobile payment is more accurate.
Method of mobile payment second of the present invention is proposed based on first embodiment referring to Fig. 2 for the safety for improving mobile payment
Embodiment, in the present embodiment, the method for mobile payment further comprise the steps of:
Step S40 sends verify data update to server and asks in the subscriber identification card replacement of mobile terminal
It asks, is verified so that server updates request to the verify data received；
One signal trigger can be set in the card slot dead astern of installation subscriber identification card, to trigger user identity knowledge
Do not block the signal inserted or pull out, when receiving the signal that subscriber identification card inserts or pull out, determines when in front bayonet slot
When whether having subscriber identification card, and having subscriber identification card in card behaviour, the information of the subscriber identification card is obtained
(such as telephone number), in the information of the subscriber identification card got and the letter of the associated subscriber identification card of the card slot
When breath mismatches, the instruction of the subscriber identification card replacement of mobile terminal is triggered.
It in the present embodiment, can be to mobile terminal when server verifies the verify data update request received
Verifying interface is sent, so that user is based on verifying interface validation information；When receiving verification information, to verification information
It is verified.The verification information can be the encrypted message of user preset.
Step S50 is receiving when being proved to be successful information of server transmission, by the subscriber identification card after replacement
Personal recognition code is sent to server, so that server updates verify data based on the personal recognition code received.
It in the present embodiment, can when the personal recognition code of the subscriber identification card after replacement being sent to server
The user identity before the corresponding mobile terminal identification code of mobile terminal (IMEI code of such as mobile terminal) and replacement is known simultaneously
The personal recognition code not blocked is sent to server, and server obtains the associated personal identification of the mobile terminal identification code received
Password, and mobile terminal is updated based on the personal recognition code of the subscriber identification card before the replacement received and after replacement and is known
The associated personal recognition code of other code.
Skilled person can obtain shifting it is understood that receiving when being proved to be successful information of server transmission
The personal recognition code of each subscriber identification card in dynamic terminal, mobile terminal identification and the individual got identification is close
Code is sent to server, and server updates mobile terminal identification associated got using the personal recognition code received
People's recognition code.
Further, it is the safety for improving mobile payment, referring to Fig. 3, proposes that the present invention moves based on second embodiment
Dynamic method of payment 3rd embodiment, in the present embodiment, after the step S40, the method for mobile payment is further comprised the steps of:
Step S60 locks the user identity in the mobile terminal when receiving the authentication failed information that server is sent
Identification card.
In the present embodiment, illustrate that user's mobile terminal may be illegally occupied by other people in authentication failed, then testing
When card failure, the subscriber identification card in the mobile terminal is locked.Locking subscriber identification card can be locking user's body
The mobile payment function of part identification card, or the repertoire of locking mobile terminal.
The present invention further provides a kind of mobile-payment systems.
It is the functional block diagram of mobile-payment system first embodiment of the present invention referring to Fig. 4, Fig. 4.
It is emphasized that it will be apparent to those skilled in the art that functional block diagram shown in Fig. 4 is only one preferably real
The exemplary diagram of example is applied, those skilled in the art surrounds the functional module of mobile-payment system shown in Fig. 4, can carry out easily new
Functional module supplement；The title of each functional module is self-defined title, is only used for auxiliary and understands the mobile-payment system
Each program function block is not used in restriction technical solution of the present invention, and the core of technical solution of the present invention is each self-defined title
The function to be reached of functional module.
The present embodiment proposes that a kind of mobile-payment system, the mobile-payment system include:
Module 10 is obtained, for obtaining each subscriber identification card in mobile terminal when receiving payment instruction
Personal recognition code；
In the present embodiment, which includes SIM, UIM card and PIM card etc., different user identity
The corresponding operator of identification card is different.Can be when user to click the payment information in payment interface and confirms control, triggering payment refers to
It enables, is either based on the modes such as NFC or two dimensional code in user and triggers payment instruction.When subscriber identification card is SIM card,
Corresponding individual's recognition code is PIN code.
Generation module 20 for generating verification information based on the personal recognition code got, and is tested based on described
The payment information demonstrate,proved in information and the payment instruction generates payment request；
Sending module 30, for the payment request to be sent to the server, so that server asks the payment
Verification information in asking is verified, and the payment request is responded when being verified.
In the present embodiment, the generation module 20 generates verification information, and base based on the personal recognition code got
The specific embodiment that payment information in the verification information and payment instruction generates payment request is as follows:
1) first embodiment, the generation module 20 include:
Encryption unit, the personal recognition code for will acquire is generated according to preset encryption keys to be verified
Information；
Acquiring unit, for obtaining the payment information in the payment instruction；
Generation unit, for being packaged generation payment request to the verification information and the payment information.
Encryption unit the personal recognition code that will acquire according to preset encryption keys generate verification information when,
Can (priority orders of such as each subscriber identification card) each subscriber identification card pair first be arranged according to preset sequence
The personal recognition code answered, and encryption is carried out to each subscriber identification card arranged and generates verification information；Or encryption
Unit can carry out encryption generation verification information by personal recognition code corresponding to each subscriber identification card respectively.The disbursement letter
Breath may include payment amount numerical value.
It is raw according to preset encryption keys by the personal recognition code of multiple subscriber identification cards in verification information
Cheng Shi, server verifies the verification information in the payment request, and detailed process is as follows: receiving the payment
When request, the server obtains the verification information in the payment request；Determine the user identity identification for initiating payment request
Block associated each subscriber identification card, based on determining subscriber identification card and the user identity of initiation payment request
The personal recognition code of identification card generates verify data, and when verify data is matched with the verification information got, and determination is tested
It demonstrate,proves successfully.Alternatively, the server obtains the verification information in the payment request when receiving the payment request；Institute
Server is stated to be decrypted to obtain ciphertext data according to the verification information that preset key pair is got；It determines and initiates payment request
The associated each subscriber identification card of subscriber identification card, determine initiate payment request subscriber identification card and
When associated each subscriber identification card is matched with ciphertext data, determination is proved to be successful.
2) second embodiment, the generation module 20 include:
Encryption unit, the mobile device identification for the personal recognition code and the mobile terminal that will acquire
Code is according to preset encryption keys, to generate verification information；
Acquiring unit, for obtaining the payment information in the payment instruction；
Generation unit, for being packaged generation payment request to the verification information and the payment information.
Encryption unit is adding the mobile device identification code of personal recognition code and the mobile terminal according to preset
When key encryption generates verification information, personal recognition code and mobile device identification code can be encrypted respectively.
Added by the mobile device identification code of personal recognition code and the mobile terminal according to preset in verification information
When key encryption generates, server verifies the verification information in the payment request, and detailed process is as follows: connecing
When receiving the payment request, the server obtains the verification information in the payment request；The server is tested described
Card information, which is decrypted, obtains first man recognition code and mobile device identification code, and based on the mobile device identification prestored
Mapping relations between code and personal recognition code determine that the corresponding second people identification of the mobile device identification code obtained is close
Code；When first man recognition code and second people are parted by death password match, determination is proved to be successful.
It is listed above enumerate verification information is generated based on the personal recognition code got under the conditions of different preset,
And it is merely exemplary based on the implementation that the payment information in the verification information and payment instruction generates payment request
, those skilled in the art utilize technical idea of the invention, other proposed according to its specific requirements are different preset
Under the conditions of verification information generated based on the personal recognition code that gets, and based in the verification information and payment instruction
The implementation that payment information generates payment request is within the scope of the invention, herein without exhaustive one by one.
The mobile-payment system that the present embodiment proposes, when carrying out mobile payment, by by users multiple in mobile terminal
Verification information after the personal recognition code encryption of identification card as mobile payment, needs in all subscriber identification cards
Personal recognition code when matching, server could respond payment request, so that mobile payment is more accurate.
For the safety for improving mobile payment, in mobile-payment system first embodiment of the present invention, the sending module 30
It is also used to send verify data in the subscriber identification card replacement of mobile terminal to server and update request, for service
Device updates request to the verify data that receives and verifies, and is proved to be successful information receive server transmission
When, the personal recognition code of the subscriber identification card after replacement is sent to server, so that server is based on receiving
Personal recognition code updates verify data.
One signal trigger can be set in the card slot dead astern of installation subscriber identification card, to trigger user identity knowledge
Do not block the signal inserted or pull out, when receiving the signal that subscriber identification card inserts or pull out, determines when in front bayonet slot
When whether having subscriber identification card, and having subscriber identification card in card behaviour, the information of the subscriber identification card is obtained
(such as telephone number), in the information of the subscriber identification card got and the letter of the associated subscriber identification card of the card slot
When breath mismatches, the instruction of the subscriber identification card replacement of mobile terminal is triggered.
It in the present embodiment, can be to mobile terminal when server verifies the verify data update request received
Verifying interface is sent, so that user is based on verifying interface validation information；When receiving verification information, to verification information
It is verified.The verification information can be the encrypted message of user preset.
It in the present embodiment, can when the personal recognition code of the subscriber identification card after replacement being sent to server
The user identity before the corresponding mobile terminal identification code of mobile terminal (IMEI code of such as mobile terminal) and replacement is known simultaneously
The personal recognition code not blocked is sent to server, and server obtains the associated personal identification of the mobile terminal identification code received
Password, and mobile terminal is updated based on the personal recognition code of the subscriber identification card before the replacement received and after replacement and is known
The associated personal recognition code of other code.
Skilled person can obtain shifting it is understood that receiving when being proved to be successful information of server transmission
The personal recognition code of each subscriber identification card in dynamic terminal, mobile terminal identification and the individual got identification is close
Code is sent to server, and server updates mobile terminal identification associated got using the personal recognition code received
People's recognition code.
Further, it is the safety for improving mobile payment, referring to Fig. 5, proposes that the present invention moves based on first embodiment
Dynamic payment system second embodiment, in the present embodiment, the mobile-payment system further include:
Locking module 40, for locking in the mobile terminal when receiving the authentication failed information that server is sent
Subscriber identification card.
In the present embodiment, illustrate that user's mobile terminal may be illegally occupied by other people in authentication failed, then testing
When card failure, the subscriber identification card in the mobile terminal is locked.Locking subscriber identification card can be locking user's body
The mobile payment function of part identification card, or the repertoire of locking mobile terminal.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the system that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can be mobile phone, computer, clothes
Business device, air conditioner or the network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (6)
1. a kind of method of mobile payment, which is characterized in that the method for mobile payment the following steps are included:
When receiving payment instruction, the personal recognition code of multiple subscriber identification cards in mobile terminal is obtained, wherein
The corresponding operator of different subscriber identification cards is different；
The personal recognition code that will acquire generates verification information according to preset encryption keys, or will acquire
The personal recognition code and the mobile terminal mobile device identification code according to preset encryption keys, with life
At verification information；
The payment information in the payment instruction is obtained, and generation is packaged to the verification information and the payment information
Payment request；
The payment request is sent to server, so that the server tests the verification information in the payment request
Card, and the payment request is responded when being verified.
2. method of mobile payment as described in claim 1, which is characterized in that the method for mobile payment further include:
In the subscriber identification card replacement of mobile terminal, verify data is sent to server and updates request, for server
Request is updated to the verify data received to verify；
When being proved to be successful information of server transmission is being received, by the personal recognition code of the subscriber identification card after replacement
It is sent to server, so that server updates verify data based on the personal recognition code received.
3. method of mobile payment as claimed in claim 2, which is characterized in that the subscriber identification card in mobile terminal
When replacement, verify data is sent to server and updates request, the step that the update request received is verified for server
After rapid, the method for mobile payment further include:
When receiving the authentication failed information that server is sent, the subscriber identification card in the mobile terminal is locked.
4. a kind of mobile-payment system, which is characterized in that the mobile-payment system includes:
Module is obtained, for obtaining the individual of each subscriber identification card in mobile terminal when receiving payment instruction
Recognition code, wherein the corresponding operator of different subscriber identification cards is different；
Encryption unit, the personal recognition code for will acquire generate verifying letter according to preset encryption keys
Breath；Or the mobile device identification code for the personal recognition code and the mobile terminal that will acquire is according to default
Encryption keys, to generate verification information；
Acquiring unit, for obtaining the payment information in the payment instruction；
Generation unit, for being packaged generation payment request to the verification information and payment information；
Sending module, for the payment request to be sent to server, so that the server is in the payment request
Verification information is verified, and the payment request is responded when being verified.
5. mobile-payment system as claimed in claim 4, which is characterized in that the sending module is also used in mobile terminal
When subscriber identification card is replaced, verify data is sent to server and updates request, so that server is to the verifying number received
It is verified according to request is updated, and is receiving when being proved to be successful information of server transmission, by the user identity after replacement
The personal recognition code of identification card is sent to server, so that server is tested based on the personal recognition code update received
Demonstrate,prove data.
6. mobile-payment system as claimed in claim 5, which is characterized in that the mobile-payment system further include:
Locking module, for locking user's body in the mobile terminal when receiving the authentication failed information that server is sent
Part identification card.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410478854.0A CN104268756B (en) | 2014-09-18 | 2014-09-18 | Method of mobile payment and system |
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|---|---|---|---|
| CN201410478854.0A CN104268756B (en) | 2014-09-18 | 2014-09-18 | Method of mobile payment and system |
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| CN104268756A CN104268756A (en) | 2015-01-07 |
| CN104268756B true CN104268756B (en) | 2019-03-05 |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105631669A (en) * | 2015-12-24 | 2016-06-01 | 中国建设银行股份有限公司 | Method and device which verifies payment data |
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