MOBILE PHONE PAYMENT SECURITY CONTROL METHOD AND SYSTEM

摘要

A mobile phone payment security control method and system. The method includes: logging onto a transaction platform via a mobile phone and accessing a security token via the voice channel of the mobile phone; the transaction platform and the security token performing bidirectional authentication; after the bidirectional authentication is passed, the mobile phone importing user payment data, and transmitting the user payment data to the security token via the voice channel; the security token invoking an encryption algorithm and key data embedded therein, encrypting the user payment data, and returning to the mobile phone the encrypted user payment data and the corresponding digital signature information; and the mobile phone transmitting to the transaction platform the encrypted user payment data and the corresponding digital signature information. Applying the embodiments of the present invention can reduce the risks that the user identity is forged, the transaction information is tampered and the account fund is stolen, improving the security of mobile phone payment.