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

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

Inactive Publication Date: 2008-01-09
SHANGHAI JIAO TONG UNIV +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

but this is more tedious and expensive

Method used

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

Examples

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Embodiment Construction

[0027] FIG. 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] As shown in Figure 3, 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 card...

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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

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Application Information

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IPC IPC(8): G07F7/12G07F19/00
Inventor 曹珍富董晓蕾周渊郑志彬位继伟
Owner SHANGHAI JIAO TONG UNIV