Unlock instant, AI-driven research and patent intelligence for your innovation.

Electronic bank identification method, system and intelligent card adopting the method

An electronic banking and authentication method technology, applied in the fields of electronic banking authentication, electronic banking authentication system and smart card, can solve the problems of cumbersome overhead and high cost, and achieve the effect of omitting the construction of public key infrastructure

Inactive Publication Date: 2009-07-08
SHANGHAI JIAOTONG UNIV +1
View PDF4 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

but this is more tedious and expensive

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Electronic bank identification method, system and intelligent card adopting the method
  • Electronic bank identification method, system and intelligent card adopting the method
  • Electronic bank identification method, system and intelligent card adopting the method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0027] image 3 is a flowchart of electronic bank authentication according to an embodiment of the present invention. It should be noted that, before implementing the electronic bank authentication method of the present invention, the user needs to register with the bank, and store the original biometric features in the smart card and the background server. In addition, there is a system private key mk in the credit card machine.

[0028] Such as image 3 As shown, the electronic banking system includes a smart card, a credit card machine with a front terminal, and a background server. The background server and the credit card machine are connected through the network.

[0029] In step 1, the user enters the account information by swiping the card.

[0030] In step 2, the user enters the smart card personal identification number (PIN code) from the front keyboard, and enters the biometric feature, and the smart card can only be activated if both match.

[0031] In step 3,...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

This electronic bank authentication system includes: (1) intelligent cards (IC), (2) the card reader (CR), with a terminal, reads and writes on IC and (3) the server connects to CR via the net. CR (1) receives the biological feature info (BFI) via the terminal; (2) uses the system private key to secretly signs on the first function value which input is BFI; (3) generates the user private key (UPK) and stores it into IC. IC (1) uses UPK to signs on the second function value which input is the message to be signed; (2) sends the signed message to the server via CR. The server uses the pre-stored BFI and the system public key to authenticate the signature.

Description

technical field [0001] The present invention relates to secure communication, in particular to an electronic bank authentication method, an electronic bank authentication system using the method and a smart card. Background technique [0002] With the establishment and improvement of the global information network, the development of electronic banking has become an irresistible trend. Provide customers with multi-channel and multi-form online financial services, greatly breaking through and extending the traditional bank counter business. Compared with traditional banking, electronic banking has great advantages. Firstly, electronic banking adopts a brand-new operation mode; secondly, electronic banking has low cost and high efficiency. Therefore, it is developing very rapidly in the world. However, since the two sides of the electronic banking transaction——the bank and the customer do not meet each other, this transaction is convenient but also has certain security risk...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Patents(China)
IPC IPC(8): G07F7/12G07F19/00
Inventor 曹珍富董晓蕾周渊郑志彬位继伟
Owner SHANGHAI JIAOTONG UNIV