US 8,751,404 B2Granted

Method and mobile terminal for realizing network payment

AssigneeZte Corporation

InventorYingbo Deng

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Abstract

For solving the problem that multiple Universal Serial Bus (USB) Keys are required to be taken to realize multiple network payments in the conventional art, the provides a method and a mobile terminal for realizing network payment. The method includes: a mobile terminal selects a network payment system which is needed to implement current network payment from a plurality of network payment systems according to an instruction input by a user; when the user is confirmed to be a legal user according to the digital certificate, the mobile terminal logs on the selected network payment system and implements the network payment. The selects a network payment system which is needed to implement the current network payment from a plurality of network payment systems, thus it is not needed to take multiple USB Keys.

Claims8

Dependent claims

A method for authenticating network payment through a mobile terminal, wherein the mobile terminal includes a Flash memory storing a plurality of digital certificates for a user, each corresponding to one of a plurality of network payment systems, and correspondence between the plurality of network payment systems and the plurality of digital certificates, the method comprising:

selecting, by the mobile terminal, a network payment system which is needed to implement current network payment from the plurality of network payment systems according to an instruction input by the user;
reading, by the mobile terminal, from the Flash memory the correspondence between the plurality of selected network payment systems and the plurality of digital certificates;
selecting, by the mobile terminal, from the plurality of digital certificates for the user stored in the Flash memory one of the digital certificates corresponding to the selected network payment system based on the correspondence between the selected network payment system and the corresponding digital certificate;
sending, by the mobile terminal, the corresponding digital certificate needed for authentication to the selected network payment system;
and
when the user is confirmed by the selected network payment system to be a legal user according to the corresponding digital certificate, logging, by the mobile terminal, on the selected network payment system.

3 more elements

A mobile terminal for authenticating network payment, comprising a first memory storing instructions that when executed by a processor cause the processor to perform steps comprising:

storing a plurality of digital certificates for a user into a Flash memory;
selecting a network payment system which is needed to implement current network payment from a plurality of network payment systems according to an instruction input by the user;
selecting one of the plurality of digital certificates for the user corresponding to the selected network payment system and which is needed for authentication to the selected network payment system from the Flash memory;
sending the corresponding digital certificate needed for authentication to the selected network payment system;
and
when the user is confirmed to be a legal user according to the digital certificate, logging on the selected network payment system.

3 more elements

Dependencies are inferred from the claim text.

Facts

Application: 13/575,429Filed 29 Dec 2010
Priority: CN 20101028894719 Sep 2010
Published: US 2012/0296830 A122 Nov 2012
Granted: 10 Jun 2014
Term ends: Not estimatedThe source records don’t support an estimate.

Classification7 codes

G06Q 20/02
Payment architectures, schemes or protocols: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/22
Payment architectures, schemes or protocols: payment schemes or models
G06Q 20/227
Payment schemes or models: characterised in that multiple accounts are available, e.g. to the payer
G06Q 20/322
Using wireless devices: aspects of commerce using mobile devices [M-devices]

Family

US 2012/0296830 A1Pre-grant publication · published 22 Nov 2012
US 8,751,404 B2This patent

From the US filing history. Foreign family members aren’t listed.

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