# US 8,751,404 B2 · Method and mobile terminal for realizing network payment

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- Number: US 8,751,404 B2
- Document ID: US8751404B2
- Status: Granted
- Kind: B2
- Application number: 13/575,429
- Filed: 2010-12-29
- Published: 2012-11-22
- Granted: 2014-06-10
- Earliest claimed: 2010-09-19
- Assignees: Zte Corporation
- Applicants: Yingbo Deng
- Inventors: Yingbo Deng
- Web page: https://patentgrep.com/patent/US8751404B2

## CPC

- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/22: Payment schemes or models
- G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer}
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/38215: {Use of certificates or encrypted proofs of transaction rights}
- G06Q 20/40: 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
- 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

## 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.

## Claims

### Claim 1

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.

### Claim 2 (depends on 1)

The method according to claim 1, wherein the logging, by the mobile terminal, on the selected network payment system further comprises:
when the mobile terminal determines that the digital certificate exists, sending, by the mobile terminal, a logon request to the selected network payment system;
after the mobile terminal receives a string of random numbers sent by the selected network payment system, performing, by the mobile terminal, an encryption operation on the received random numbers through a cipher key corresponding to the selected network payment system and an encryption algorithm corresponding to the selected network payment system to obtain a first character string and sending the first character string to the selected network payment system; and
according to a logon allowed message sent by the selected network payment, logging, by the mobile terminal, on the selected network payment system, wherein the logon allowed message is sent after the selected network payment system performs an encryption operation on the random numbers according to the cipher key corresponding to the selected network payment system itself and the encryption algorithm corresponding to the selected network payment system itself to obtain a second character string, compares the first character string with the second character string and confirms that the two are the same and that the user is legal.

### Claim 3 (depends on 1)

The method according to claim 1, further comprising implementing the network payment by the mobile terminal by connecting to a wired interface or in a wireless mode.

### Claim 4 (depends on 2)

The method according to claim 2, wherein the logging by the mobile terminal on the selected network payment system according to a logon allowed message sent by the selected network payment further comprises:
storing the logon allowed message sent by the selected network payment into the Flash memory and extracting the logon allowed message from the Flash memory to perform logon by the mobile terminal.

### Claim 5

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.

### Claim 6 (depends on 5)

The system mobile terminal according to claim 5, wherein the first memory further stores instructions that when executed by the processor cause the processor to perform steps further comprising, when determining that the digital certificate exists:
sending a logon request to the selected network payment system through a network;
receiving a string of random numbers sent by the selected network payment system;
performing an encryption operation on the received random numbers through a cipher key corresponding to the selected network payment system and an encryption algorithm corresponding to the selected network payment system to obtain a first character string;
sending the first character string to the selected network payment system; and
according to a logon allowed message sent by the selected network payment, logging on the selected network payment system, wherein the logon allowed message is sent after the selected network payment system performs an encryption operation on the random numbers according to the cipher key corresponding to the selected network payment system itself and the encryption algorithm corresponding to the selected network payment system itself to obtain a second character string, compares the first character string with the second character string and confirms that the two are the same and that the user is legal.

### Claim 7 (depends on 5)

The mobile terminal according to claim 5, wherein the first memory further stores instructions that when executed by the processor cause the processor to perform steps further comprising implementing the network payment by connecting to a wired interface or in a wireless mode.

### Claim 8 (depends on 6)

The mobile terminal according to claim 6, wherein the first memory further stores instructions that when executed by the processor cause the processor to perform steps further comprising storing the logon allowed message sent by the selected network payment into the Flash memory and extracting the logon allowed message from the Flash memory to perform logon.