Method and system for online payment and identity confirmation with setting authentication formula

摘要

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 and a user mobile telephone and so on. The method includes: the step for certification between the certification system(1) and the user's 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 bythe 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).