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Method and system for enhancing internet bank trade security

A technology for online banking and network enhancement, applied in the field of communication security, can solve the problems of reduced security and tampering of information security devices, and achieve the effect of uniqueness and non-repudiation

Active Publication Date: 2008-07-30
FEITIAN TECHNOLOGIES
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0009] In view of the deficiencies in the prior art, the present invention provides an audio replay of the transaction data input by the user using an information security device for final confirmation by the legal user to realize the safe transmission of data at the user end, so as to solve the problem in the prior art. Encrypted or signed transaction data may be tampered with before sending, resulting in a decrease in the security of the information security device. The present invention also uses the voiceprint recognition function of the information security device to identify the legitimacy of the user's identity

Method used

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  • Method and system for enhancing internet bank trade security
  • Method and system for enhancing internet bank trade security
  • Method and system for enhancing internet bank trade security

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0052] As shown in Figure 1, a system to enhance the security of online banking transactions includes:

[0053] Earphone 100, microphone 200, USB Key300, computer 400, online banking server 500, wherein USB Key300 includes: USB interface unit 301, first storage unit 302, conversion unit 303, earphone interface unit 304, microphone unit 305, voiceprint recognition unit 306 , voice-activated operation unit 307 , encryption unit 308 ; the online banking server 500 includes: a data receiving unit 501 , a second storage unit 502 , a decryption unit 503 , and a transaction execution unit 504 .

[0054] In this embodiment, the user inputs transaction data through the computer 400, the USB Key300 receives the transaction data input by the user through the USB interface unit 301, and stores it in the first storage unit 302, and the conversion unit 303 converts the transaction data input by the user into audio signal, and transmit the audio signal converted and output by the conversion ...

Embodiment 2

[0062] Referring to Figure 2, one approach to enhancing the security of online banking transactions includes:

[0063] Step 201, USB Key establishes connection with computer;

[0064] Step 202, the user inputs the transaction data to be executed into the USB Key through the computer;

[0065] Step 203, after the USB Key receives the data transmitted from the client computer, it performs analog-to-digital conversion and outputs it through audio playback;

[0066] In this embodiment, the transaction data input by the user includes: user name, bank account number, transaction date, transaction category and transaction amount;

[0067] Step 204, the user judges whether the transaction data output in the form of audio playback in step 203 is the data to be operated, if yes, execute step 206, otherwise, execute step 205;

[0068] Step 205, the user judges that the transaction data output in the form of audio playback in step 203 is not the data to be operated, and inputs the "canc...

Embodiment 3

[0076] Referring to Figure 3, one approach to enhancing the security of online banking transactions includes:

[0077] Step 301, USB Key establishes connection with computer;

[0078] Step 302, the user inputs transaction data into the USB Key through the computer;

[0079] Step 303, after the USB Key receives the data transmitted from the client computer, it performs analog-to-digital conversion and outputs it through audio playback;

[0080] In this embodiment, the transaction data input by the user includes: user name, bank account number, transaction date, transaction category and transaction amount;

[0081] Step 304, after the user receives the transaction data output by the USB Key in the form of audio playback in step 303, the user inputs the "repeat" audio signal to the USB Key in the form of audio input, and requests the USB Key to output in step 302 again by audio playback transaction data;

[0082] Step 305, the user judges whether in step 303 and step 304, whet...

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Abstract

The invention relates to the field of communication security, in particular to a system for tightening the security of on-line banking transactions and a method thereof. The system comprises a signal input and output device, a client-side information security device which supports audio processing, a computer terminal connected with an on-line bank server. The method adopted by the invention comprises the following steps: a computer is connected through the information security device; the transaction data input by a user is output in the form of audio through the information security device; an audio acknowledgement message is input to the information security device by means of audio input for voiceprint recognition; after the identity is confirmed to be legal, the client-side information security device encrypts or digitally signs all information input by users, and sends the information to the on-line bank server terminal in the form of cipher text. Certification information, as executing and confirming order, is stored in the form of audio, is unique and can not be repudiated. By adopting the method, the on-line banking transaction security can be tightened.

Description

technical field [0001] The invention relates to the field of communication security, in particular to a system and method for enhancing the security of online banking transactions by performing audio processing and voiceprint recognition on data information in an information security device. Background technique [0002] With the rapid development of computer technology, information network has become an important guarantee for social development. Under this trend, online banking business is becoming more and more popular, and has become the most potential network application field today. "Online banking" is an electronic banking product that provides financial services to customers through the Internet as a medium. Online banking is a product of the information age. With its birth, customers who had to go to the bank counter to handle business can directly enter the bank through the Internet, and conduct account inquiries, transfers, foreign exchange transactions, bank tra...

Claims

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Application Information

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IPC IPC(8): G06Q40/00G06Q40/02
Inventor 陆舟于华章
Owner FEITIAN TECHNOLOGIES
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