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Method, mobile terminal, server and system for identity authentication

A mobile terminal and identity authentication technology, applied in the field of technical communication, can solve problems such as limitations and complex operations

Inactive Publication Date: 2009-12-02
北京钱袋宝支付技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The invention provides an identity authentication method, a mobile terminal, a server and an identity authentication system, which are used to solve the defects in the prior art due to the limitation and complicated operation of online banking transactions due to the application of PC online banking encryption cards. Secure and reliable online banking transactions

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  • Method, mobile terminal, server and system for identity authentication
  • Method, mobile terminal, server and system for identity authentication
  • Method, mobile terminal, server and system for identity authentication

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Embodiment Construction

[0024] The technical solutions of the embodiments of the present invention will be further described below in conjunction with the accompanying drawings and specific embodiments.

[0025] With the continuous development of wireless network-based banking transaction business model technology, the identity authentication method of "USB Key" has become a commonly used online banking transaction authentication method. However, the application of the PC online banking encryption card based on the "USB Key" technology for identity authentication has certain limitations, and the operation is complicated. The present invention aims at the defects of the above-mentioned prior art, and provides a solution, that is, on the basis of ensuring the normal communication of the mobile phone, the Subscriber Identity Module (Subscriber Identity Module; hereinafter referred to as: SIM card) on the mobile phone and the mobile phone through patch technology A light and thin mobile terminal online b...

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Abstract

The invention provides a method, a mobile terminal, a server and a system for identity authentication. The method comprises the following steps of: identifying information transmitted by a mobile terminal to a user identity identification module by a mobile terminal network banking encryption card, if the identified information is an authentication character string transmitted by a far-end server and used for identity authentication, encrypting the authentication character string by the stored user digital certificate, and obtaining a first encryption character string; and returning the first encryption character string obtained by the mobile terminal network banking encryption card to the far-end server for identity authentication. Due to the arrangement of the mobile terminal network banking encryption card between the mobile phone and the SIM card, the network banking trade of the user by the mobile phone is safer and more convenient, and the operation is easy; moreover, as for the user, the user can make the network banking trade by the mobile phone at any time and in any place, so that the quality of service is improved.

Description

technical field [0001] The invention relates to the field of technical communication, in particular to an identity authentication method, a mobile terminal, a server and an identity authentication system. Background technique [0002] With the rapid development of wireless communication technology, banking transactions based on wireless networks have become an important business model of banking transactions. In order to ensure the reliability and security of such transactions, authentication based on user identity information has become a core issue in Internet banking transactions. The existing identity authentication method based on "USB Key" is a convenient and safe identity authentication technology developed in recent years. It adopts a strong two-factor authentication mode that combines software and hardware and one-time pad, which solves the contradiction between security and usability well. The existing personal computer (Personal Computer; hereinafter referred to...

Claims

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Application Information

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IPC IPC(8): H04W8/24H04W12/02H04W12/06H04W88/02H04W12/069
Inventor 魏中华孙江涛
Owner 北京钱袋宝支付技术有限公司
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