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

An identity authentication, mobile terminal technology, applied in the field of technical communication, can solve the problems of limited operation and complicated operation, achieve the effect of online banking transaction safety and convenience, improve service quality, and simple operation

Active Publication Date: 2009-12-16
BEIJING SANKUAI ONLINE TECH CO LTD
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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

Method used

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

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Embodiment Construction

[0022] The technical solutions of the embodiments of the present invention will be further described below in conjunction with the accompanying drawings and specific embodiments.

[0023] 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, by storing the user's digital certificate in a mobile terminal such as a data storage card in the mobile phone, when performing online banking transactions, you can pass The bank's remote server interacts ...

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Abstract

The invention provides a method for identity authentication, a mobile terminal, a server and an identity authentication system. A data storage card arranged in the mobile terminal receives an authentication character string for identity authentication, which is forwarded by the mobile terminal and sent by a remote server; the data storage card applies a stored user digital certificate to encrypt the authentication character string to obtain a first encrypted character string; and the data storage card returns the obtained first encrypted character string to the remote server through the mobile terminal to facilitate the identity authentication of the remote server. The data storage card of the mobile terminal stores the user digital certificate used for the user identity authentication to realize the identity authentication of a user, so that ebanking service carried out by the user through a mobile phone is more safe and convenient, and has simple operation; and for the user, the user can carry out the ebanking service at all times and places through the mobile phone, and the service quality 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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Patent Type & Authority Applications(China)
IPC IPC(8): H04W12/02H04W12/06H04W80/12H04W88/02H04W88/18H04L29/06H04L9/32H04W12/03H04W12/069
Inventor 魏中华孙江涛
Owner BEIJING SANKUAI ONLINE TECH CO LTD
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