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Safety authentication method of cell phone bank system

A technology of mobile banking and security authentication, which is applied in the field of security authentication to achieve the effect of convenient use and improved safety factor

Active Publication Date: 2008-04-16
HUNDSUN TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0008] The purpose of the present invention is to provide a security authentication method for the mobile banking system to solve the problem of directly transferring the bank account number and the corresponding user password together in the mobile communication network and the Internet when the mobile terminal and the mobile banking center perform data communication in the prior art. Security issues caused by transmission in media with unsafe factors such as

Method used

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  • Safety authentication method of cell phone bank system
  • Safety authentication method of cell phone bank system
  • Safety authentication method of cell phone bank system

Examples

Experimental program
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Effect test

Embodiment 1

[0047] see image 3 , which is a schematic flowchart of the first embodiment of security authentication in the mobile banking system of the present invention. It includes the following steps:

[0048] S210: Store the bank account number bound to each user identification code and the account alias corresponding to each bank account number in the identification code storage unit of the mobile banking center 14 . First, the user sends the authentication information including the bank account number bound with the user identification code to the mobile banking center 14 through the bank outlet or online banking; then, the mobile banking center 14 judges whether each bank account number in the received authentication information has a corresponding Account alias, if there is, save the binding relationship between the bank account number and the user identification code, the bank account number and the corresponding account alias, otherwise, automatically assign the default account...

Embodiment 2

[0066] In this embodiment, the user does not need to go to an outlet or use online banking to handle the business of binding the mobile phone and the bank account, which further improves the convenience of the user. see Figure 5 , which is a schematic flowchart of the second embodiment of performing security authentication in the mobile banking system of the present invention. It includes the following steps:

[0067] S310: Utilize the original mobile banking system to save the mobile phone number, user account and corresponding account alias and password in the identification code storage unit of the mobile banking center 14, which can be completed by the following steps:

[0068] When the user uses the mobile banking service for the first time, the mobile banking center 14 does not save the bank account number bound to the mobile phone number, or when the user performs the mobile banking service operation, he finds that the bank account number to be used is not set to be l...

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Abstract

Handset bank system includes mobile terminal, gateway, firewall, handset bank center and background of bank. Mobile terminal through network connects to gateway. Gateway through Internet or dedicated line and firewall is connected to handset bank center. In procedure of id authentication, id code of account number relevant to bank account is adopted to transmitted in media of having unsafe factor such as mobile communication network and Internet so as to raise safety factor in banking transaction. The said id code of account number can be individualized and easy memorized alias of account number.

Description

technical field [0001] The invention relates to a security authentication method, in particular to a security authentication method applied to a mobile banking system. Background technique [0002] The mobile banking system, also known as the mobile banking system, usually uses a mobile communication network to connect mobile terminals to the banking system, so that users can use mobile terminals to directly complete various financial management services. It is a channel for banks to realize electronic services, and it is also a service with good development prospects based on mobile communication networks. [0003] see figure 1 , which is a schematic diagram of a network topology of an existing mobile banking system. It includes a mobile terminal 11 , a gateway 12 , a firewall 13 , a mobile banking center 14 and a bank background 15 . Now the most widely used mobile terminal 11 is a mobile phone. The mobile terminal 11 communicates with the gateway 12 set by the operato...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): H04L9/32G06Q90/00
Inventor 严拥辉林华源蒋建圣
Owner HUNDSUN TECH