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An authentication method, device and system for online payment of phone bank

A banking system and telephone technology, applied in the field of identity authentication, can solve problems such as inability to use telephone shopping, and achieve the effect of avoiding financial loss

Inactive Publication Date: 2008-03-19
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Basically, this method cannot be used for telephone shopping, because the account of the merchant is generally impossible to become the account of the customer's relatives and friends

Method used

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  • An authentication method, device and system for online payment of phone bank
  • An authentication method, device and system for online payment of phone bank
  • An authentication method, device and system for online payment of phone bank

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Embodiment Construction

[0017] The specific implementation manner of the present invention will be described below in conjunction with the accompanying drawings. This specific embodiment is to use the dynamic password card to realize the security authentication scheme of telephone online payment, wherein: 1) the dynamic password card is a coordinate card that is used for customer identity authentication to generate at random, and its coordinate value is to adopt random number generation algorithm Randomly generated to ensure randomness; 2) By adopting a secure identity authentication mechanism based on Challenge / Response (Challenge / Response), it is guaranteed that the challenge password used by customers for online payment every time is random, ensuring security.

[0018] Telephone banking customers can apply for a dynamic password card at the counter of the bank, and bind the card with the customer through the system. After receiving the card, every time the customer needs to use the password, the t...

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PUM

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Abstract

The invention provides an authentication method, a device and a system for realizing telephone banking on-line payment. The method includes: generate randomly a group of dynamic codes; generate and store the two-dimensional coordinate matrix table of the dynamic codes; print the two-dimensional coordinate matrix table on a coordinate card for client identity authentication. When the telephone banking on-line payment is performed, a telephone banking system selects randomly a group of coordinate data from the stored two-dimensional coordinate matrix table and prompts the coordinate data by voice; the dynamic code corresponding to the coordinate data is read out from the coordinate card for client identity authentication, and the dynamic code is transmitted to the telephone banking system; the bank system compares the dynamic code corresponding to the selected coordinate data with the dynamic code transmitted from the telephone terminal, and if the two dynamic codes match, identity authentication passes. The invention is used to overcome the hidden danger in the prior art when static codes are used in teleshopping.

Description

technical field [0001] The invention relates to identity authentication technology, in particular to a card-based identity authentication technology in a telephone bank online payment system, specifically an authentication method, device and system for realizing telephone bank online payment. Background technique [0002] With the rapid development of e-commerce, more and more people use the Internet and telephone to shop. At present, the technology in Internet shopping has been very mature, especially the online payment from business organizations to consumers (B2C), which has been widely used as a direct and fast payment mode. [0003] However, the current development of telephone shopping is still relatively slow, mainly because there is no breakthrough in the technology of telephone online payment. At present, the completion of telephone shopping is mainly the ordering process of goods, and the payment after ordering goods is basically through other methods, such as ATM...

Claims

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Application Information

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IPC IPC(8): H04L9/28H04L29/06G06Q40/00G07F19/00G06Q20/40
Inventor 王怡马铁军刘华军李琳杨乾
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA