CN1598830A - Recognition method for electronic payment by short message service - Google Patents
Recognition method for electronic payment by short message service Download PDFInfo
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- CN1598830A CN1598830A CN03157412.2A CN03157412A CN1598830A CN 1598830 A CN1598830 A CN 1598830A CN 03157412 A CN03157412 A CN 03157412A CN 1598830 A CN1598830 A CN 1598830A
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Abstract
The invention relates to an approach of using SMS service of advance payment mobile terminal to conduct electronic payment. When mobile user shops from network supermarket, advance payment mobile terminal number and payment cipher is supplied to payment authentication server as initiative authentication information. The server search initiative authentication information in database to execute first authentication. If passing, a random number is sent to mobile terminal through SMS by authentication server and the authentication number is received again from network supermarket. The server checks whether the two numbers are consistent to conduct the second authentication. If passing again, the server requests mobile service provider to subtract payment from balance. In this way, if user has no mobile terminal, although he knows payment information, he can't pass electronic payment authentication, which makes electronic commerce more convenient and safe.
Description
Technical field
The present invention is a kind of E-Payment authentication method that is applied to ecommerce, and particularly, it is the method that authentication is paid in a kind of short message service (SMS) of using portable terminal by mails.
Background technology
In ecommerce, we carry out commodity transaction or service transacting in electronics mode (such as the electronic document exchange) partially or completely.The client will carry out ecommerce, will also be online supermarket by certain terminal (such as the computer that is connected to Internet) accesses virtual shop, searches required commodity or service.If found required commodity or service, just purchase intention is submitted to online supermarket, come defrayment by credit card or online remittance then.
Use credit card can bring a problem in the ecommerce of routine, the user will directly import information such as credit number, password on Internet, and this just is easy to be stolen by the people, and illegally uses the information of credit card.If use online remittance, the user after online supermarket has submitted purchase intention to, will be in person to bank or use the telephone bank or the Web bank of charge to pay the purchase fund to the account of online supermarket.
Summary of the invention
The present invention is for solving the existing problem of previous means of payment, provide a kind of short message service (SMS) of using portable terminal to pay the method for authentication by mails, its objective is the authentication means that a kind of E-Payment will be provided for mobile communication subscriber, when mobile communication subscriber supermarket shopping or when using paid service on the net, can use the method easy and pay by mails safely.
In order to realize above-mentioned target, the present invention uses short message service to pay authentication by mails according to by interconnected online service device, payment authentication server and the mobile communication server of communication network.This method comprises the steps:
(a) network terminal sends solicited message to the payment authentication server;
(b) the payment authentication server receives Preliminary Identification information from the network terminal, carries out Preliminary Identification, judges whether described Preliminary Identification information is consistent with the preliminary authentication information of authenticate key database storing;
(c) after Preliminary Identification was passed through, the payment authentication server generated Verification Number, utilizes short message service to send to portable terminal, and provides the Verification Number inputting interface by the online service device to the network terminal;
(d) carry out re-authentication: whether the payment authentication server receives the Verification Number of the network terminal, check consistent with the Verification Number that sends to portable terminal;
(e) after re-authentication passed through, mobile communication server was according to the request of payment authentication server, handle mobile terminal information.
In the reality, when concluding the business specific to the payment authentication that utilizes short message service to carry out ecommerce, described step (a) further is: mobile communication subscriber is connected to online supermarket's server, by communication network, to the fund of the payment authentication server requests payment commodity of buying; Described step (b) further is: the payment authentication server receives Preliminary Identification information from the computing machine of mobile communication subscriber, be mobile terminal number and payment cipher), carry out Preliminary Identification, its searched in advance stores the authenticate key database of preliminary authentication information, and whether check the preliminary authentication information that is received then consistent with the preliminary authentication information that stores; Described step (c) further is: after Preliminary Identification is passed through, the payment authentication server adopts the random number sequences generating algorithm to generate Verification Number, then this number is issued the portable terminal of mobile communication subscriber, and provided the Verification Number inputting interface to the computing machine of mobile communication subscriber by online supermarket's server; Described step (d) further is: the payment authentication server receives Verification Number by the Verification Number inputting interface there from mobile communication subscriber, and whether with the Verification Number that by note send consistent, carry out re-authentication if checking the Verification Number that is received; Described step (e) further is: after re-authentication passed through, mobile communication service provider just according to the request of payment authentication server, deducted the payment that has authenticated from the available balance of portable terminal.
Carrying out step (a) before, the present invention also comprises the steps: the auth key supervisory routine of mobile communication subscriber installation by the payment authentication server distribution; Mobile communication subscriber uses the auth key information input interface of auth key supervisory routine, utilizes Preliminary Identification information to generate an auth key, then auth key is kept in the storage medium of computing machine of mobile communication subscriber; The auth key supervisory routine is registered to the auth key database to the Preliminary Identification information of preserving in the auth key then.Like this, in step (b), the auth key supervisory routine auth key of just can decoding provides Preliminary Identification information.In addition, before Preliminary Identification information was sent to the payment authentication server, the auth key supervisory routine was to payment cipher of mobile communication subscriber request, and whether check the payment cipher that mobile communication subscriber provides consistent with the payment cipher in the auth key.
In step (b), the payment authentication server provides payment information input webpage by online supermarket's server to the user, receives Preliminary Identification information.
In the case, in beginning step (a) before, mobile communication subscriber will be logined the website that the payment authentication server provides, and uses member registration, and Preliminary Identification information is registered to the auth key database.
In step (b), the payment authentication server also can receive commodity identification code (ID) except the computing machine from mobile communication subscriber receives the Preliminary Identification information of paying by mails, trade name, commodity price, commodity amount, and the identification code of online supermarket information such as (ID).
In the case, in step (e) afterwards, also will carry out following steps: mobile communication service provider notice payment authentication server has deducted the payment that has authenticated from the available balance of portable terminal; And the payment authentication server is preserved the payment authentication details in the payment authentication details database, comprises the mobile terminal number that receives payment authentication, payment authentication sequence number, the payment authentication amount of money, payment authentication time, and the identification code of online supermarket (ID).
In the present invention, payment cipher can be character string or the numeric string that mobile communication subscriber defines at random, also can be PIN (Personal Identification Number).
In step (d), the payment authentication server is kept at the distribution details database to the Verification Number that is sent to the portable terminal of mobile communication subscriber.
In the present invention, after the pre-payment portable terminal has been installed SIM card, just have a telephone number.In the case, can from the available balance of pre-payment portable terminal, collect the charges continuously by prepaid card.
According to the present invention, use the number and the payment cipher of portable terminal, can pay purchase expenses easily.In addition, because the payment authentication server is compared with traditional means of payment by the evaluation of paying of two different stages, such ecommerce is safer.Especially, when only the Verification Number that the payment authentication server is sent the user sent to the payment authentication server once more, paying by mails could be certified, if the user is not used in the portable terminal of payment, just can not pay by mails.So, even have number and payment cipher that the third party of illegal attempt learns portable terminal, if there is not portable terminal, can not pay by mails, because the Verification Number of forming by random digit that he can not receive that mobile communication service provider uses that SMS sends.In this way, the present invention can because online when carrying out ecommerce payment information reveal and the misgivings that cause drop to minimum.
In addition, because online supermarket helps mobile communication subscriber, promptly the buyer pays purchase expenses easily, and just expectation starts ecommerce, to increase sales volume.Online supermarket can also receive payment there from the buyer without lifting an eyebrow.Be pointed out that also when user's supermarket request was on the net paid by mails, mobile communication service provider all will send to Verification Number the portable terminal of mobile communication subscriber, thereby obtain the income of SMS expense and payment cooperation expense and so on.The payment authentication service provider also can authenticate from network by E-Payment, and the supermarket service provider obtains the payment authentication expense there.
Description of drawings
By the following description that the accompanying drawing of this paper is done, we can clearly realize that other targets of the present invention and performance:
Fig. 1 is a system schematic, and this system utilizes short message service to realize the authentication method of paying by mails according to embodiment of the present invention.
Fig. 2 a and 2b are process flow diagrams, have illustrated according to first embodiment of the present invention, use SMS to pay the method for authentication by mails.
Fig. 2 c is a sequential chart, has illustrated in first embodiment according to the present invention, uses SMS to pay in the method for authentication the operation of each server and data transmission by mails.
Fig. 3 is a process flow diagram, has illustrated in second embodiment according to the present invention, uses SMS to pay by mails in the method for authentication, the process of the Preliminary Identification information that the payment authentication server registration receives from mobile communication subscriber.
Embodiment
Optimum implementation:
Below we will be in conjunction with the accompanying drawings, optimum implementation of the present invention is described in detail.At first it is to be noted, the implication of the term of using among the present invention, words and claim can not only only limit to its literal and common implication and go to understand, also comprise the implication and the notion that into conform to technology of the present invention, this is because we are as the inventor, to suitably provide the definition of term, so that the most appropriate description is carried out in our invention.Therefore, the configuration that provides in this explanation and the accompanying drawing is first-selected embodiment of the present invention, rather than will enumerates all technical characteristics of the present invention.We will recognize to also have the various equivalent scheme or the modifications that can replace our scheme.
Fig. 1 is a system schematic, and this system utilizes short message service to realize the authentication method of paying by mails according to embodiment of the present invention.
As shown in Figure 1, according to the present invention, adopt the system of the E-Payment authentication method of short message service (SMS) realization to comprise: the server 50 of the network terminal computing machine 10 of mobile communication subscriber, user's portable terminal 20, online supermarket's server 30, payment authentication server 40, mobile communication service provider, and the wired 60 and 70 of these component interconnection.
Online supermarket's server 30 is common shopping supermarkets, and the commodity of sale comprise material goods or digital content.Online supermarket's server 30 can be electronic business transaction supermarket, the online cinema server that online film is provided of selling material goods, the digital content server of the digital content such as cartoon is provided or the game on line server etc. of diverse network recreation is provided, but incessantly these.
Online supermarket's server 30 comprises merchandising database 30a, sale database 30b and member information database 30c.Merchandising database 30a is used for storing and manage the merchandise news of selling on the supermarket server 30 on the net.Merchandising database 30a storing commodity identification code (ID sign indicating number), trade name, merchandise valuation, the details of commodity and the information such as manufacturer of commodity.
If online supermarket's server 30 just needs member information database 30c at member's operation.When mobile communication subscriber by communication network 60, when being registered as the member on the website of supermarket server 30 on the net, the information that is provided will be kept among the member information database 30c.Member information database 30c canned data comprises the number and the addresses of items of mail of member's identification code (ID), login password, address, telephone number, portable terminal 20.
When buying commodity at mobile communication subscriber visit online supermarket server 30 and according to E-Payment authentication method of the present invention, the details of merchandise sales will be stored in sale database 30b and manage.Sale database 30b canned data has commodity transaction serial number, buyer's information (such as the member ID or the name of mobile communication subscriber), commodity ID, the quantity of selling commodity, commodity purchasing price, commodity purchasing time, commodity delivery information, the message that sends when the user buys commodity, emergency contact information (such as telephone number), payment authentication sequence number, payment authentication time and payment authentication price.
If online supermarket is at member operation, supermarket shopping on the net again after mobile communication subscriber will be registered as the member earlier and sign in to website so.In this case, discern the merchandise sales details of storing in the sale database 30b with member ID.
Mobile communication subscriber uses network terminal computing machine 10, by communication network 60, and visit online supermarket and shopping.Mobile communication subscriber computing machine 10 comprises a required Web browser (for example IE of Microsoft) and the communication hardware (for example LAN network interface card or Modem) of visit online supermarket's website.Subscriber computer 10 is terminals, and mobile communication subscriber passes through it to online supermarket's server 30 order goods.Subscriber computer 10 can be desktop computer, notebook, Pop top computing machine or palm PC (PDA), but is not limited only to this.
Mobile communication subscriber it is also conceivable that installs auth key supervisory routine 10a on computing machine 10, this program is used for realizing E-Payment authentication method of the present invention.This program can also can be issued by the website of realizing payment authentication server 40 of the present invention by the website issue of online supermarket's server 30.Mobile communication subscriber is identifying that the Password Management program downloads to computing machine 10, optionally installs according to the intention of oneself then.
When auth key supervisory routine 10a was installed, this program can generate an auth key for mobile communication subscriber, and it will be used in E-Payment authentication method of the present invention.
It should be noted that auth key supervisory routine 10a also provides an auth key information input interface, be used for receiving Preliminary Identification information, the i.e. number and the payment cipher of the portable terminal 20 of mobile communication subscriber from the computing machine 10 of mobile communication subscriber.Payment cipher can be character string or a numeric string defined by the user, also can be PIN (Personal Identification Number).Mobile communication subscriber is tested and appraised the key information inputting interface imported necessary information after, auth key supervisory routine 10a just can use the number and the payment cipher of the portable terminal 20 of mobile communication subscriber to generate an auth key, and this key will be used in E-Payment authentication method of the present invention.During generating auth key, mobile communication subscriber will be imported payment cipher, and it is used for controlling the visit to this auth key.Auth key supervisory routine 10a is kept at the auth key that generates in the storage medium that pre-determines, such as hard disk of installing on the mobile communication subscriber computing machine or floppy disk.
When generating auth key, whether the number that the auth key supervisory routine is identified portable terminal 20 to the server 50 or 40 requests of payment authentication server of mobile communication service provider possibly is normal with the number of confirming portable terminal 20.
Particularly, under first kind of situation, the server 50 of auth key supervisory routine request mobile communication service provider identifies whether portable terminal 20 is normal.Mobile communication service provider server 50 is then searched for its user data of mobile terminal storehouse, judges whether the number of portable terminal 20 is available at present.If the number of portable terminal 20 can be used, just the successful code of evaluation is sent to auth key supervisory routine 10a by communication network 60.Otherwise,, just the code of identifying failure is sent to auth key supervisory routine 10a by communication network 60 if the number of portable terminal 20 is unavailable.If the auth key supervisory routine has been received the evaluation failure code, just show an error messages, and the request user re-enters the required information of auth key that generates to mobile communication subscriber.Identify successful code if the auth key supervisory routine has been received, just generate an auth key, and it is kept in the storage medium of mobile communication subscriber computing machine 10.
Under second kind of situation, auth key supervisory routine request payment authentication server 40 identifies whether portable terminal 20 is normal.Payment authentication server 40 is by communication network 60, receive the number of portable terminal 20 from auth key supervisory routine 10a after, then this number is sent to mobile communication service provider server 50, and whether request evaluation portable terminal 20 normal.Ensuing operation is identical with first kind of situation.Mobile communication service provider server 50 its user data of mobile terminal storehouses of search judge whether the number of portable terminal 20 is available, and send a successful code of evaluation or identify failure code to payment authentication server 40.Payment authentication server 40 sends to auth key supervisory routine 10a to this code by communication network 60 after receiving the qualification result sign indicating number from mobile communication service provider server 50.Auth key supervisory routine 10a perhaps asks the user to import the information that generates auth key once more according to the qualification result sign indicating number that receives, and perhaps auth key is kept in the storage medium of mobile communication subscriber computing machine 10.
In addition, identify that the Password Management program is except being stored in auth key the mobile communication subscriber computing machine 10, also will pass through communication network 60, the number and the payment cipher of the portable terminal 20 that mobile communication subscriber is provided are sent to payment authentication server 40, as Preliminary Identification information.Payment authentication server 40 is kept at Preliminary Identification information among the auth key database 40b.When realizing E-Payment authentication method of the present invention, will use and be kept at the Preliminary Identification information of identifying the mobile communication subscriber in the password database 40b, we will discuss in this paper back.
Auth key supervisory routine 10a also provides an option, exactly when the user has lost the payment cipher of auth key, can abrogate existing auth key, and regenerates an auth key.The auth key supervisory routine provides an auth key to select the interface for regenerating auth key, allows the user select the auth key that will abrogate.If mobile communication subscriber has been selected an auth key in this interface, and request abrogates, and the auth key supervisory routine is just abrogated (deletion) and is kept at corresponding auth key in the storage medium.The auth key supervisory routine 10a provide the auth key information input interface to the user so that generate auth key once more, and with the identical mode of first generation auth key, generate key and it be stored in 10 li in mobile communication subscriber computing machine.Certainly, also will refer to as our front this moment, carries out the process of the normality of the number of verifying portable terminal 20.After generating key and it being stored in 10 li in mobile communication subscriber computing machine, auth key supervisory routine 10a is by communication network 60, the number of portable terminal 20 and payment cipher are sent to payment authentication server 40, so that upgrade the Preliminary Identification information (this information stores is in the auth key database 40b of payment authentication server 40) of mobile communication subscriber.
When generating auth key, auth key supervisory routine 10a can use the cryptographic algorithm coding auth key that defines, and so, even the third party thinks the bootlegging auth key, also can't crack it.
In E-Payment authentication method of the present invention, when the mobile communication subscriber request was paid by mails, auth key supervisory routine 10a inquired about payment cipher in auth key.At this moment, the number of times of limited subscriber input payment cipher, to strengthen the security of paying by mails.In this case, the user of auth key supervisory routine 10a statistics request E-Payment inputs the number of times of payment cipher by mistake.Surpassed predefined number of times if input the number of times of payment cipher by mistake, this auth key just can not have been used again.If, just require the argumentation of user according to our front because the failure of mobile communication subscriber input payment cipher has caused auth key not use again, delete existing auth key and generate one new.Can be according to the number of times of inputing payment cipher by mistake (and not considering the time limit), or, limit the input of payment cipher according to the predefined time limit (such as one day).
Use a computer 10 at mobile communication subscriber, by communication network 60, visit online supermarket and request be during to the E-Payment of a certain commodity, and the auth key supervisory routine just requires the user to import payment cipher in the auth key.If the payment cipher of user's input is consistent with the payment cipher in the auth key, identify that the Password Management program is with regard to the auth key of decode stored in 10 li in mobile communication subscriber computing machine, and, the number of portable terminal 20 and payment cipher (being Preliminary Identification information) are sent to payment authentication server 40 by communication network 60.If but the payment cipher and the payment cipher in the auth key of user's input are inconsistent, the auth key supervisory routine just shows an error messages, and the request user re-enters payment cipher.
When Preliminary Identification information being sent to the payment authentication server by communication network 60, the commodity transaction information that the request of also will transmitting is paid by mails.Supermarket identification code (ID), trade name, commodity transaction quantity, commodity transaction price etc. on the commodity transaction packets of information purse rope.If the auth key supervisory routine has been sent to payment authentication server 40 to Preliminary Identification information together with commodity transaction information by communication network 60, payment authentication server 40 is just searched for auth key database 40b, checks whether Preliminary Identification information is registered.If Preliminary Identification information is registered, just carry out closed cycle (closed-loop circulation) process of Verification Number hereinafter described, carry out secondary and identify.Otherwise, if the not registration of Preliminary Identification information, just by communication network 60, to error messages of mobile communication subscriber computing machine 10 outputs.
In addition, electric paying method of the present invention also can not rely on the auth key realization.In this case, can omit the distribution of auth key supervisory routine 10 and the generative process of installation on the mobile communication subscriber computing machine and auth key.But mobile communication subscriber will use a computer 10, by communication network 60, visit the website of payment authentication server 40, be registered as the member of website, so that receive E-Payment authentication service of the present invention, in auth key database 40b, register Preliminary Identification information then.
Particularly, payment authentication server 40 provides a webpage, and guides user is the member by site registration.The payment authentication server receives member registration information by this webpage, such as member ID, member's login password, PIN (Personal Identification Number), contact address, telephone number, and the number of the portable terminal 20 of formation Preliminary Identification information and payment cipher etc.The member registration information stores that payment authentication server 40 provides the user in member database 40a, the Preliminary Identification information stores in auth key database 40b.
The user can set payment cipher separately, and can serve as with member's login password and PIN (Personal Identification Number).In this case, had better not require the user to import payment cipher, but allow payment authentication server 40 notify the user, PIN (Personal Identification Number) and member's login password have been used as payment cipher.
If the user is as previously mentioned, to the auth key database registration of payment authentication server 40 Preliminary Identification information, during supermarket shopping, just can ask to have paid by mails on the net.
Particularly, mobile communication subscriber uses a computer 10, by communication network 60, and visit online supermarket.Ask then a certain commodity request in online supermarket's website is paid by mails.Online supermarket's server 30 just will show the payment information webpage to the user, and the user can import Preliminary Identification information, the i.e. number of portable terminal 20 and payment cipher therein.The user has imported information in the payment information webpage, and pays authentication by mails to 40 requests of payment authentication server.After this, the Preliminary Identification information and the commodity transaction information that provide of user is sent to payment authentication server 40 by communication network 60.Commodity transaction information as previously mentioned.Payment authentication server 40 search auth key database 40b check whether the Preliminary Identification information that the user provides is registered.If register, just carry out closed cycle (closed-loop circulation) process of Verification Number hereinafter described.Otherwise, if the not registration of Preliminary Identification information, just by communication network 60, to error messages of mobile communication subscriber computing machine 10 outputs.
User's portable terminal 20 mainly is a portable terminal of supporting SMS.In first example, portable terminal 20 can be the terminal of having distributed telephone number, in second example, is to have the terminal of effective telephone number because SIM card 20a has been installed.
In first example, after the user had bought portable terminal 20 and mobile phone service, perhaps rented portable terminal 20, portable terminal 20 just had been assigned with telephone number.The user data of mobile terminal storehouse 50a by mobile communication service provider server 50 of consumer premise mobile phone service stores and manages.User data of mobile terminal storehouse 50a is information such as each user storage telephone number, PIN (Personal Identification Number), name, address and sex.
In second example, when the user bought or rents portable terminal 20, portable terminal 20 did not also have assign telephone numbers.In this case, the user also will buy subscriber identification module (SIM) the card 20a of pre-payment after buying or having rented portable terminal 20, and SIM card 20a is installed to portable terminal 20.Pre-payment SIM card 20a is many by the mobile communication service provider distribution, but other modes are also arranged.Distribute to the sequence number of SIM card 20a, the avail of SIM card 20a and the sequence number of portable terminal 20 when then, portable terminal 20 is installation SIM card 20a and be sent to mobile communication service provider server 50.In this case, the telephone number of distributing to SIM card 20a just becomes the telephone number of portable terminal 20.Whether mobile communication service provider server 50 search SIM card information database 50b check the information that receives then, be normal the distribution to confirm SIM card 20a.SIM card information database 50b canned data will have at least: distribute to the avail of (by mobile communication service provider server 50 distribution) sequence number of SIM card 20a, the telephone number of distributing to SIM card 20a, SIM card 20a and use the relevant information of portable terminal 20 with (by distributing to the telephone number of SIM card 20a).
Assert that SIM card 20a is normal distribution if check the back, mobile communication service provider server 50 just allows to use the mobile communication service by this SIM card 20.Assert that SIM card 20a is not normal the distribution if check the back, just send an error messages to user's portable terminal 20 by cordless communication network 70.After checking out the distribution situation of SIM card 20a, the user just can use various mobile communication to serve by portable terminal 20 continuously, and the service amount of money is the recharge amount of SIM card 20a.
If the user uses the mobile communication service, mobile communication service provider just deducts certain number from the avail of the SIM card 20a of SIM card information database 50b storage, collect service fee in this way.If do not have avail (remaining sum), will suspend the mobile communication service.
If distribute to the amount of money of SIM card 20a is zero, and mobile communication subscriber will be bought prepaid card 20b, for SIM card is supplemented with money, so that continue to use the mobile communication service.Prepaid card 20b is many by the mobile communication service provider distribution, but other modes are also arranged.Then, user capture mobile communication service provider server 50, the sequence number of input prepaid card 20b is for portable terminal 20 is supplemented with money.Mobile communication service provider server 50 search prepaid card information database 50d check whether the prepaid card of issuing with the sequence number of user's input exists.Assert that prepaid card 20b exists if check the back, mobile communication service provider server 50 is just searched for prepaid card information database 50d, reads the avail of prepaid card 20b.Then, mobile communication service provider server 50 just increases the avail of (being installed on the portable terminal 20 of asking to supplement with money) SIM card 20a, and the increase volume is the amount of money of prepaid card 20b.Certainly, also to upgrade SIM card information database 50b simultaneously.Assert that the corresponding prepaid card 20b of sequence number that imports with the user does not exist if check the back, just the portable terminal 20 to the user sends an error messages.
Payment authentication server 40 is carried out the verification process of paying by mails, and it also safeguards various databases, such as member information database 40a, auth key database 40b, payment authentication details database 40c and Verification Number distribution details database 40d.Wherein, member information database 40a and auth key database 40b explained in front, repeated no more herein.
The distribution details that Verification Number distribution details database 40d preserves Verification Number, Verification Number are that payment authentication server 40 is paid by mails and a kind of random number of distribution in order to authenticate.Verification Number distribution details comprises: issued Verification Number, the portable terminal 20 that receives Verification Number and the issuing date of Verification Number.
Payment authentication details database 49c has preserved the relevant payment authentication detailed information of E-Payment with 40 authentications of payment authentication server.The payment authentication detailed information comprises: the mobile terminal number (being the telephone number of SIM card 20a) that uses in payment authentication sequence number, the transaction, the payment authentication amount of money, the commodity ID of payment authentication, the trade name of payment authentication, the ID of online supermarket and the payment authentication time of payment authentication.
If the Preliminary Identification of using foregoing auth key database 40b to carry out is passed through, payment authentication server 40 just carries out re-authentication by the method for calculating the random authentication number in a closed loop.Particularly, payment authentication server 40 generates a Verification Number by the random number generating algorithm, the Verification Number that generates, information such as the amount of money together with the number of portable terminal 20 and the request payment of sending from computing machine 10 when authentication is paid in the mobile communication subscriber request by mails send to mobile communication service provider server 50.Mobile communication service provider server 50 uses the number (or telephone number of SIM card 20a) of portable terminal 20 subsequently, and search SIM information database 50b checks whether the balance in hand of SIM card 20a enough pays the amount of money of being asked.
If checking the balance in hand of finding SIM card 20a enough pays, will be sent to the Verification Number that payment authentication server 40 sends the user of authentication is paid in request by mails with SMS portable terminal 20, the code that can pay an expression simultaneously is sent to payment authentication server 40.Payment authentication server 40 shows a Verification Number input webpage subsequently by online supermarket to the mobile communication subscriber computing machine 10 that is linked to online supermarket.If check and find that balance in hand is not enough to payment, mobile communication service provider server 50 just transmits an error code to payment authentication server 40.After receiving error code, payment authentication server 40 to mobile communication subscriber computing machine 10 output a piece of news, tells the user that Sorry, your ticket has not enough value owing to SIM card 20a just by communication network 60, can not pay authentication by mails.
The user is input to Verification Number input webpage to the Verification Number of sending by SMS, like this, just can pass through communication network 60, and Verification Number is sent to payment authentication server 40.Payment authentication server 40 checks subsequently whether consistent with the Verification Number that the user imports be sent to the Verification Number of portable terminal 20 by SMS in Verification Number input webpage.
If two Verification Number unanimities just show that the secondary evaluation of E-Payment has been passed through.In this case, payment authentication server 40 just asks mobile communication service provider server 50 to deduct the amount of money of payment authentication in the remaining sum of the SIM card 20a of user's portable terminal 20.At this moment, payment authentication server 40 is sent to mobile communication service provider server 50 to information such as the ID of the number of portable terminal 20 (or telephone number of SIM card 20a), online supermarket's server 30 and payment authentication sequence numbers by communication network 60.Mobile communication service provider server 50 deducts the amount of money of payment authentication subsequently in the cash in hand of the SIM card 20a of the portable terminal 20 of SIM card information database 50b storage, then current Transaction Information is saved in trade detail database 50c.Transaction Information comprises: the ID and the payment authentication sequence number of the number of portable terminal 20 (or telephone number of SIM card 20a), the payment authentication amount of money, online supermarket's server 30.The trade detail database is used for the settlement of account between payment authentication server 40, online supermarket's server 30 and the mobile communication service provider server 50.Subsequently, mobile communication service provider server 50 notice payment authentication servers 40 have deducted the payment authentication amount of money in the remaining sum of portable terminal 20.
After this, payment authentication server 40 is kept at current E-Payment authentication details in the payment authentication details database 40c.The payment authentication detailed information comprises: the ID of online supermarket of the number (or telephone number of SIM card 20a) of payment authentication sequence number, the portable terminal 20 that is used to conclude the business, the payment authentication amount of money, payment authentication commodity ID, payment authentication trade name, payment authentication, payment authentication time etc.Then, payment authentication server 40 sends a piece of news by communication network 60 to mobile communication subscriber computing machine 10, informs that paying authentication by mails passes through.
On the other hand, if find that when secondary is identified Verification Number is inconsistent, the secondary of E-Payment is just identified and will be finished with failure.Correspondingly, payment authentication server 40 sends an error messages by communication network 60 to mobile communication subscriber computing machine 10, informs the failure that causes paying by mails authentication owing to Verification Number is inconsistent.
If pay by mails and to have obtained authentication, the commodity that online supermarket 30 just provides the user to order, and the marketing information of corresponding commodity is kept in the sale database 30b.Marketing information comprises: message, emergency contact information (such as telephone number), payment authentication sequence number, payment authentication time and payment authentication price that the quantity of commodity transaction serial number, buyer's information (such as the member ID or the name of mobile communication subscriber), commodity ID, merchandising, commodity purchasing price, commodity purchasing time, commodity delivery information, user send when buying commodity.
In the present invention, communication network 60 mostly is the Internet communication network, and it links by ICP/IP protocol (transmission control protocol/Internet protocol) and All Around The World.Cordless communication network 70 is can be to the communication network of portable radiotelephone transferring voice, image and data, and wireless telephone comprises cell-phone, portable phone or supports the mobile phone of CDMA (CDMA), TDMA (time division multiple access (TDMA)) or IMT 2000.
Because payment authentication server 40 is the E-Payments that authenticate commodity that mobile communication subscriber orders by Preliminary Identification and secondary qualification process, so the user can do shopping easily, and needn't use the inconvenient means of payment of credit card or online remittance and so on.
Below we will be in conjunction with the accompanying drawings, more specifically describe to use the example of the E-Payment authentication of SMS.
Fig. 2 a and 2b are process flow diagram, be used for illustrating and how use SMS to pay authentication by mails according to first kind of embodiment of the present invention, Fig. 2 c is a sequential process flow diagram, be used for being illustrated in when using SMS to pay authentication by mails the operation of each station server and data transmission situation according to first kind of embodiment of the present invention.
We come 2a with the aid of pictures, 2b and 2c in conjunction with Fig. 1.At first, mobile communication subscriber is downloaded auth key supervisory routine 10a by communication network 60 visit payment authentication servers 40, and it is installed on oneself the computing machine (step S10).The user also can be by communication network 60 visit online supermarket servers 30, download the auth key supervisory routine and are installed to oneself computing machine.When auth key supervisory routine 10a is installed, auth key supervisory routine 10a receives Preliminary Identification information (number and the payment cipher that comprise portable terminal 20) there from the user, generate auth key, then auth key is kept in the storage medium of mobile communication subscriber computing machine 10 (step S20).Simultaneously, auth key supervisory routine 10a is sent to payment authentication server 40 (step S25) to the number and the payment cipher of (as the Preliminary Identification information stores in the auth key that generates) portable terminal 20.Payment authentication server 40 is kept at the Preliminary Identification information that receives in the auth key database 40b (step S30) subsequently.
After step S30, the website of user capture online supermarket server 30 (the E-Payment authentication service that is provided by payment authentication server 40 also has been provided this website) is ordered selected commodity (step S40).Such as online supermarket's server 30 of a selling digital content of visit (such as cartoon), and digital content is bought in request.Then, will call auth key supervisory routine 10a, come the payment cipher of the auth key of inquiring user.If the user has imported the payment cipher (step S50) of inquiry, the auth key supervisory routine just check in (being kept in the storage medium of subscriber computer) auth key payment cipher whether with the payment cipher consistent (step S60) of user's input.If the payment cipher unanimity (in step S60 be " be "), the auth key supervisory routine is just by communication network 60, and (being kept at the number that comprises portable terminal 20 in the auth key and payment cipher) Preliminary Identification information is sent to payment authentication server 40 (step S70) together with commodity transaction information.Supermarket ID, commodity ID, trade name, commodity amount, commodity price etc. on the commodity transaction packets of information purse rope.If payment cipher inconsistent (in step S60 be " deny "), auth key supervisory routine 10a just sends an error message by communication network 60 to the user, tells the user that payment cipher is inconsistent.
After step S70, payment authentication server 40 uses the Preliminary Identification information search auth key database 40b (step S90) that receives from subscriber computer.Find that the Preliminary Identification key of being searched for is stored in auth key database 40b if check the back, just think that Preliminary Identification passes through, otherwise, then think and do not pass through.If passed through Preliminary Identification (in step S90 for " be "), payment authentication server 40 just generates a Verification Number that is made of random digit, by communication network 60, the information of the amount of money of the number of the user's who comprises Verification Number, request E-Payment authentication at least portable terminal 20 and request payment is sent to mobile communication service provider server 50 (step S100) then.At this moment, be saved in Verification Number distribution details database 40d to information such as the number of portable terminal 20, Verification Number and Verification Number issuing dates.If the Preliminary Identification failure (in step S90 be " deny "), payment authentication server 40 sends an error messages just by communication network 60 to mobile communication subscriber computing machine 10, notifies the user to identify failure (step S110).
After the step S100, mobile communication service provider server 50 just uses the number of portable terminal 20 as key word, search SIM card information database 50b, whether the available balance of judging (user's that request is paid by mails portable terminal 20) SIM card 20a is than the amount of money many (step S120) of asking payment.
If the available balance abundance (at step S120 be " be "), mobile communication service provider server 50 just uses SMS, the Verification Number that is made of random digit is sent to the portable terminal 20 (step S130) of asking the user that supermarket on the net pays by mails, then the code of an expression available balance abundance is sent to payment authentication server 40.After this, payment authentication server 40 receives the Verification Number (step S150) of the portable terminal 20 that sends to the user by a Verification Number input of online supermarket's server 30 outputs webpage.If available balance not enough (be at step S120 " deny "), mobile communication service provider server 50 just sends an error code, notifies owing to Sorry, your ticket has not enough value and can not pay.Export a piece of news by online supermarket's server 30 to mobile communication subscriber computing machine 10 then, notice user balance deficiency, the authentication of can not paying.
After the step S130, if the user has received the Verification Number of the portable terminal 20 of oneself by SMS, just import webpage input authentication number by the Verification Number of online supermarket's server 30, like this, Verification Number just can be sent to payment authentication server 40 (step S160) by communication network 60.Subsequently, payment authentication server 40 is with reference to Verification Number distribution details database 40d, identify once more the Verification Number there received from the user whether with the Verification Number that sends to the user by SMS consistent (step S180).
If the Verification Number unanimity (at step S180 be " be "), payment authentication server 40 is just by communication network 60, and request mobile communication service provider server 50 deducts the amount of money (step S190) that request is paid in the available balance of the SIM card 20a of customer mobile terminal 20.At this moment, be sent to mobile communication service provider server 50 to the trade name of the commodity ID of the number of the portable terminal 20 of payment authentication sequence number, payment authentication (or telephone number of SIM card 20a), the payment authentication amount of money, payment authentication, payment authentication, the ID of online supermarket of payment authentication and the information such as time of payment authentication.Mobile communication service provider server 50 (with the mobile terminal number in the SIM card information database 50b as index) subsequently deducts the amount of money (step S210) of request payment in the current available balance of (user's that request is paid by mails) portable terminal 20.If successfully upgraded SIM card information database 50b (in step S220 for " be ").Mobile communication service provider server 50 just is sent to payment authentication server 40 (step S235) to the code of expression database update success.
After step S235, payment authentication server 40 is saved in payment authentication details database 40c (step S230) to the authentication details of the E-Payment of user's request.Pay number (or telephone number of SIM card 20a) that authentication details comprises the portable terminal of using in payment authentication sequence number, the transaction 20, the payment authentication amount of money, the commodity ID of payment authentication, the trade name of payment authentication, the ID of online supermarket and the payment authentication time of payment authentication by mails.Subsequently, payment authentication server 40 to mobile communication subscriber computing machine 10 output a piece of news, is told the user authentication (step S250) by paying by mails by online supermarket's server 30.After step S250, payment authentication server 40 is sent to online supermarket's server 30 (step S260) to the payment authentication details by communication network 60.The payment authentication details comprises the number of the portable terminal 20 of payment authentication sequence number, payment authentication, the amount of money of payment authentication, the commodity ID of payment authentication, the trade name of payment authentication and the time of payment authentication.If online supermarket's server 30 has received the payment authentication details, just preserve marketing information (step S270) according to the payment authentication information in the sale database 30b.
The information that sale database 30b preserves comprises: message, emergency contact information (such as telephone number), payment authentication sequence number, payment authentication time and the payment authentication amount of money that commodity transaction serial number, buyer's information (such as the member ID or the name of mobile communication subscriber), commodity ID, the quantity of selling commodity, commodity purchasing price, commodity purchasing time, commodity delivery information, user send when buying commodity.
Passed through authentication if pay by mails, the user has also just finished shopping process.Online supermarket's server 30 is according to payout status, gives user's deliver goods (if material goods), the commodity (if words of digital content) (step S280) that perhaps allow the user to use to be bought.
Second embodiment
In aforesaid first kind of embodiment, the user uses the auth key supervisory routine to generate an auth key, online supermarket and 40 links of payment authentication server, and the user during supermarket shopping, only needs the input payment cipher on the net, just can conveniently pay by mails.
We discuss second kind of embodiment hereinafter, and this moment, the user need not use the auth key supervisory routine to comprise the Preliminary Identification information of the number and the payment cipher of portable terminal 20 to 40 registrations of payment authentication server.In second kind of embodiment, the step of carrying out by the back from Preliminary Identification in running program and the first kind of embodiment (from payment authentication server 40 distribution Verification Numbers) is identical.Therefore, first kind of identical step of embodiment of second kind of embodiment neutralization just repeated no more at this.
Fig. 3 is a process flow diagram, and it has been described in the E-Payment authentication method of second kind of embodiment of the present invention, to the process of payment authentication server 40 registration Preliminary Identification information and supermarket server 30 shopping on the net.
We are in conjunction with Fig. 1 Fig. 3, and at first, mobile communication subscriber uses a computer 10, by the website (step S290) of communication network 60 visit payment authentication servers.After this, the user is executable operations on website, is member (step S300) to payment authentication server 40 request registration.Payment authentication server 40 provides member registration webpage (step S310) to the user.The user can import member registration information by the interface of member registration webpage, comprises member ID, login password.PIN (Personal Identification Number), address, telephone number be Preliminary Identification information (being the number and the payment cipher of portable terminal 20).After the user obtains the member registration webpage, import corresponding information, and, these information are sent to payment authentication server 40 (step S320) by communication network 60.
After payment authentication server 40 receives member registration information, these information are saved in member information database 40a, and Preliminary Identification information is saved in auth key database 40b.Subsequently, payment authentication server 40 is to mobile communication subscriber computing machine 10 output a piece of news, tells the user to complete successfully member registration and generated auth key information (step S330).Payment cipher in the Preliminary Identification information can substitute with member's login password or PIN (Personal Identification Number).If this is the case, the user just need not specify payment cipher separately in the member registration webpage, when member registration, the payment authentication server is chosen one as payment cipher from member's login password and PIN (Personal Identification Number), and the number of selected payment cipher together with portable terminal 20, as Preliminary Identification information, be saved in auth key database 40b.
If the user successfully is registered as the member, and registered Preliminary Identification information to payment authentication server 40, in online supermarket that his visit and payment authentication server 40 link and when doing shopping, the just E-Payment that can ask the present invention to support.
Particularly, mobile communication subscriber uses a computer 10, by the website (step S340) of communication network 60 visit online supermarket servers 30, and supermarket server 30 shopping (step S360) on the net.The user can import the number and the payment cipher of webpage input portable terminal 20, i.e. the Preliminary Identification information of registering by payment information in the auth key database 40b of payment authentication server 40.
The user obtains payment information input webpage, and after having imported corresponding information, just can ask the commodity that will buy are paid by mails.Online supermarket's server 30 by communication network 60, is sent to payment authentication server 40 (step S370) to Preliminary Identification information together with commodity transaction information after receiving the payment authentication request.Supermarket ID, commodity ID, commodity transaction quantity, trade name, commodity transaction price etc. on the commodity transaction packets of information purse rope.Subsequently, do as first embodiment, the E-Payment verification process of 40 pairs of users' requests of payment authentication server carries out Preliminary Identification and (being undertaken by closed cycle) secondary is identified.Relevant ins and outs are identical with first kind of embodiment, no longer describe in detail herein.
In order to use E-Payment authentication method of the present invention, the user preferably buys the prepaid card 20b of mobile communication service provider distribution, and in time supplements with money for portable terminal 20, so that use the mobile communication service continuously.
In the present invention, mobile communication service provider server 50 uses trade detail database 50c regularly to calculate payment details.And deducting the SMS expense and paying the service provider that cooperation expenses dealing money afterwards is given to payment authentication server 40.The service provider of payment authentication server 40 from network in the turnover in supermarket deduction pay certification fee by mails, the remaining amount of money is given to the service provider of each online supermarket.
Sometimes, carry out the distribution of dealing money possibly by mobile communication service provider.In other words, mobile communication service provider regularly calculates payment details according to trade detail database 50c.Subsequently, mobile communication service provider extracts from total dealing money pays certification fee by mails, transfers the service provider to payment authentication server 40.Then, deduction SMS takes and pays the cooperation expense from total dealing money again, and the remaining amount of money is transferred service provider to each online supermarket.
As mentioned above, we have carried out detailed argumentation to the present invention.But recognize, we have provided detailed description and instantiation (and having pointed out first-selected embodiment of the present invention) in the mode of illustrating, because for those are familiar with personage that this detailed description relates to, various modifications or improvements are all obviously arranged for thought of the present invention and range of application.
Claims (12)
1, a kind of method of using short message service to pay authentication by mails, this method is characterized in that comprising the steps: according to by interconnected online service device, payment authentication server and the mobile communication server of communication network
(a) network terminal sends solicited message to the payment authentication server;
(b) the payment authentication server receives Preliminary Identification information from the network terminal, carries out Preliminary Identification, judges whether described Preliminary Identification information is consistent with the preliminary authentication information of authenticate key database storing;
(c) after Preliminary Identification was passed through, the payment authentication server generated Verification Number, utilizes short message service to send to portable terminal, and provides the Verification Number inputting interface by the online service device to the network terminal;
(d) carry out re-authentication: whether the payment authentication server receives the Verification Number of the network terminal, check consistent with the Verification Number that sends to portable terminal;
(e) after re-authentication passed through, mobile communication server was according to the request of payment authentication server, handle mobile terminal information.
2, the method paid by mails of use short message service according to claim 1 is characterized in that:
Described step (a) further is: the mobile communication subscriber of portable terminal is connected to online supermarket's server by the computing machine of the network terminal, by communication network, to the fund of the payment authentication server requests payment commodity of buying;
Described step (b) further is: the payment authentication server receives Preliminary Identification information from the network terminal computing machine of mobile communication subscriber, be mobile terminal number and payment cipher, carry out Preliminary Identification, its searched in advance stores the authenticate key database of preliminary authentication information, and whether check the preliminary authentication information that is received then consistent with the preliminary authentication information that stores;
Described step (c) further is: after Preliminary Identification is passed through, the payment authentication server adopts the random number sequences generating algorithm to generate Verification Number, utilize this number short message service to issue the portable terminal of mobile communication subscriber then, and provide the Verification Number inputting interface to the network terminal computing machine of mobile communication subscriber by online supermarket's server;
Described step (d) further is: the payment authentication server receives Verification Number by the Verification Number inputting interface there from mobile communication subscriber, and whether with the Verification Number that by short message service send consistent, carry out re-authentication if checking the Verification Number that is received;
Described step (e) further is: after re-authentication passed through, mobile communication service provider just according to the request of payment authentication server, deducted the payment that has authenticated from the available balance of portable terminal.
3, the method for authentication is paid in use short message service according to claim 2 by mails, it is characterized in that described step (a) also comprises the steps: before
Mobile communication subscriber is installed the auth key supervisory routine by the issue of payment authentication server;
The auth key supervisory routine provides the auth key information input interface for mobile communication subscriber, so that receive Preliminary Identification information, utilize Preliminary Identification information to generate an auth key, then auth key is kept in the storage medium of computing machine of mobile communication subscriber;
The auth key supervisory routine is registered to the auth key database to the Preliminary Identification information of preserving in the auth key, and like this, in step (b), the auth key supervisory routine auth key of just can decoding provides Preliminary Identification information.
4, the method for authentication is paid in use short message service according to claim 3 by mails, it is characterized in that: before Preliminary Identification information is sent to the payment authentication server, the auth key supervisory routine is to payment cipher of mobile communication subscriber request, and whether check the payment cipher that mobile communication subscriber provides consistent with the payment cipher in the auth key.
5, the method for authentication is paid in use short message service according to claim 2 by mails, it is characterized in that described step (b) further comprises:
Preliminary Identification information is by online supermarket's server, receives from the payment information of payment authentication server input webpage.
6, the method for authentication is paid in use short message service according to claim 5 by mails, it is characterized in that described step (a) also comprises before:
Mobile communication subscriber will be logined the website of payment authentication server, uses member registration, and Preliminary Identification information is registered to the auth key database.
7, the method for authentication is paid in use short message service according to claim 2 by mails, it is characterized in that described step (b) further comprises:
The payment authentication server also can receive the commodity identification code that will pay by mails except receiving the Preliminary Identification information of paying by mails from the computing machine of mobile communication subscriber, trade name, commodity price, commodity amount, and information such as online supermarket's identification code.
8, the method for authentication is paid in use short message service according to claim 7 by mails, it is characterized in that described step (e) also will comprise the steps: afterwards
Mobile communication service provider server notification payment authentication server has deducted the payment that has authenticated from the available balance of portable terminal;
The payment authentication server is preserved the payment authentication details in the payment authentication details database, comprise the mobile terminal number that receives payment authentication, payment authentication sequence number, the payment authentication amount of money, payment authentication time, and the identification code of online supermarket.
9, the method for authentication is paid in use short message service according to claim 2 by mails, it is characterized in that:
Payment cipher is character string or the numeric string that is defined at random by mobile communication subscriber, or PIN (Personal Identification Number).
10, the method for authentication is paid in use short message service according to claim 2 by mails, it is characterized in that described step (d) further comprises:
The payment authentication server is kept at the distribution details database to the Verification Number that sends to the portable terminal of mobile communication subscriber.
11, the method for authentication is paid in use short message service according to claim 2 by mails, it is characterized in that:
Portable terminal has been installed subscriber identify module card, and the pre-payment portable terminal has been assigned with a telephone number.
12, the method for authentication is paid in use short message service according to claim 11 by mails, it is characterized in that:
Use prepaid card, can supplement with money continuously for the pre-payment portable terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN03157412.2A CN1598830A (en) | 2003-09-19 | 2003-09-19 | Recognition method for electronic payment by short message service |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN03157412.2A CN1598830A (en) | 2003-09-19 | 2003-09-19 | Recognition method for electronic payment by short message service |
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| Publication Number | Publication Date |
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| CN1598830A true CN1598830A (en) | 2005-03-23 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN03157412.2A Pending CN1598830A (en) | 2003-09-19 | 2003-09-19 | Recognition method for electronic payment by short message service |
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Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2007071157A1 (en) * | 2005-12-22 | 2007-06-28 | Yan Han | A recognition method for electronic payment and id authentication terminal and atm |
| CN102546408A (en) * | 2011-12-30 | 2012-07-04 | 重庆拉土拉现代农业有限公司 | Remote visual method for base agricultural products |
| CN103905194A (en) * | 2012-12-26 | 2014-07-02 | 中国电信股份有限公司 | Identity traceability authentication method and system |
| CN105745677A (en) * | 2013-12-06 | 2016-07-06 | Bc卡有限公司 | Method and system for providing payment service |
| CN107077668A (en) * | 2014-10-20 | 2017-08-18 | 哈瑞克思信息科技公司 | System and method for providing payment services |
| CN111325542A (en) * | 2018-12-14 | 2020-06-23 | 现代自动车株式会社 | System and method for multiple authentication and payment using eSIM |
| CN113841184A (en) * | 2019-05-21 | 2021-12-24 | 索尼集团公司 | Information processing device, information processing terminal, information processing method, and program |
-
2003
- 2003-09-19 CN CN03157412.2A patent/CN1598830A/en active Pending
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2007071157A1 (en) * | 2005-12-22 | 2007-06-28 | Yan Han | A recognition method for electronic payment and id authentication terminal and atm |
| CN102546408A (en) * | 2011-12-30 | 2012-07-04 | 重庆拉土拉现代农业有限公司 | Remote visual method for base agricultural products |
| CN103905194A (en) * | 2012-12-26 | 2014-07-02 | 中国电信股份有限公司 | Identity traceability authentication method and system |
| CN103905194B (en) * | 2012-12-26 | 2017-05-24 | 中国电信股份有限公司 | Identity traceability authentication method and system |
| CN105745677A (en) * | 2013-12-06 | 2016-07-06 | Bc卡有限公司 | Method and system for providing payment service |
| CN107077668A (en) * | 2014-10-20 | 2017-08-18 | 哈瑞克思信息科技公司 | System and method for providing payment services |
| CN111325542A (en) * | 2018-12-14 | 2020-06-23 | 现代自动车株式会社 | System and method for multiple authentication and payment using eSIM |
| CN111325542B (en) * | 2018-12-14 | 2024-02-09 | 现代自动车株式会社 | System and method for multiple authentication and payment with eSIM |
| CN113841184A (en) * | 2019-05-21 | 2021-12-24 | 索尼集团公司 | Information processing device, information processing terminal, information processing method, and program |
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