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Safety certificate method and system for Internet banking

A technology of security authentication and online banking, which is applied in the field of online banking security authentication, can solve problems such as threatening the safety of customers' funds and inability to solve the complete problem of online banking, so as to improve security and realize the effect of secondary security authentication

Inactive Publication Date: 2010-01-06
CHINA CONSTRUCTION BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] Online banking cannot solve the complete problem of online banking by using a single Internet channel. Hackers can implement remote control and transaction tampering by using Trojan horse virus programs, etc., threatening the security of customer funds

Method used

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  • Safety certificate method and system for Internet banking
  • Safety certificate method and system for Internet banking
  • Safety certificate method and system for Internet banking

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Embodiment Construction

[0023] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention.

[0024] refer to figure 1 , which illustrates a security authentication method for online banking, the security authentication method includes:

[0025] 101. Confirm that the customer login password information is correct.

[0026] The login password information includes: user name password information, password password information, verification code password information and customer USB Key password information.

[0027] 102. Receive transfer payment transaction information.

[0028] The transfer payment includes: transfer and remittance, agent payment and online payment.

[0029] The transfer payment transaction information includes: payer account number,...

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PUM

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Abstract

The invention discloses a safety certificate method for Internet banking, comprising the following steps: confirming correctness of the password information for a client to login, receiving transaction information of transferring payment, generating dynamic password information according to the received transaction information, and transmitting the dynamic password information and transaction information to a client terminal for clients to check the transaction information. The invention also discloses a safety certificate system for Internet banking. By adopting the invention, the password information for a client to login is certificated, dynamic password information is generated according to the transaction information, the dynamic password information and transaction information are transmitted to the client terminal for clients to check the transaction information, thereby realizing twice safety certificate and improving the safety of capital for clients.

Description

technical field [0001] The invention relates to the field of security authentication of online banking, in particular to a security authentication method and system for online banking. Background technique [0002] As a brand-new financial service channel, online banking is of great significance to customers, society and the bank itself. For the bank itself, online banking has become a sharp weapon for the bank to stabilize high-quality customers and compete for new customers. Substantial operating costs. With the continuous development of network attack technology, the operation of online banking business is also facing many security risks. [0003] At present, online banking uses the USB Key digital certificate security authentication mechanism to authenticate customer identities. Among them, USB is the English abbreviation of Universal Serial Bus, and USB Key refers to a hardware device with a USB interface, with a built-in smart chip and a certain storage space. , can...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/00H04L9/32G06Q40/02
Inventor 徐捷李彬张鹏臧桂鹏苏林
Owner CHINA CONSTRUCTION BANK