METHOD AND SYSTEM FOR ONLINE PAYMENT AND IDENTITY CONFIRMATION WITH SELF-SETTING AUTHENTICATION FOMULA
First Claim
1. A method for certification when paying online and/or confirming a user'"'"'s identity using a communication network, the method comprising the following steps:
- certificating between a certification system (1) and a user mobile telephone (5) through a mobile telephone network (3);
calculating a certification code (8) using a certification formula (7) defined by the user (6);
certificating by the user (6) by sending the certification formula (7) defined by the user (6) to the certification system (1) or a bank website (2) wherein the certification formula (7) being stored and the certification code (8) being calculated.
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Abstract
A system and a method are used for certification when paying online or confirming the user'"'"'s identity using the communication network. The system mainly includes a certification system (1), a bank website (2), a mobile telephone network (3), a user terminal (4) and a user mobile telephone (5) and so on. The method includes: the step for certification between the certification system (1) and the user mobile telephone (5) using the mobile telephone network (3), the step for calculating the certification code (8) using a certification formula (7) defined by the user (6), the step for certification by sending the certification formula (7) defined by the user (6) to the certification system (1) and storing it therein, then calculating the certification code (8) in the certification system (1) or by sending the certification formula (7) defined by the user (6) to the bank website (2) and storing it therein, then calculating the certification code (8) in the bank website (2). The present invention may efficiently prevent any hacker from hacking the certification code (8), and thus the use of the method and system provides high security for online payment.
28 Citations
10 Claims
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1. A method for certification when paying online and/or confirming a user'"'"'s identity using a communication network, the method comprising the following steps:
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certificating between a certification system (1) and a user mobile telephone (5) through a mobile telephone network (3); calculating a certification code (8) using a certification formula (7) defined by the user (6); certificating by the user (6) by sending the certification formula (7) defined by the user (6) to the certification system (1) or a bank website (2) wherein the certification formula (7) being stored and the certification code (8) being calculated. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A communication network certification system for online payment and/or identity confirmation using a communication network comprising:
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a certification system (1), which is a communication device having a computer, mainly including a random dynamic code generator (1-1) and a dialer (1-2), wherein the random dynamic code generator (1-1) is a computer server, having a random code generation program installed therein for generating a random numeric string code of specified length, in accordance with predetermined procedures;
the dialer (1-2) is a telephone exchange device connected to a mobile telephone network directly or through a fixed telephone network, wherein a number of a user mobile telephone may be dialed in accordance with predetermined procedures using the line of the telephone number provided by the mobile telephone network or fixed telephone network operator, or the random dynamic code may be sent to the user by means of SMS or MMS in accordance with the predetermined procedures;a bank website (2), which is an online transaction website for financial institutions or a website that requires certification of the user'"'"'s identity; a mobile telephone network (3), which is a common mobile telephone network; a user terminal (4) selected from the group consisting of a computer and an electronic device that can be connected to the network and be capable of online payment;
a user mobile telephone (5); anda certification formula (7), defined by the user (6) wherein the certification code (8) is calculated by the user sending the certification formula (7) to the certification system (1) or to the bank website (2), storing it therein, and the certification system (1) or the bank website (2) calculating the certification code (8).
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Specification