Identity authentication method, device and system

A technology of identity authentication and background authentication, which is applied in the field of identity authentication and transaction authentication, to achieve the effect of improving ease of use, improving security, and reducing difficulty of use

Active Publication Date: 2010-08-11
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The embodiment of the present invention provides an identity authentication method, device and system to solve the problems of identity authentication and transaction authentication in financial transaction systems such as online banking

Method used

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  • Identity authentication method, device and system
  • Identity authentication method, device and system
  • Identity authentication method, device and system

Examples

Experimental program
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Embodiment

[0024]Taking online banking login as an example, the processing flow of the OTP working mode is introduced. The identity authentication system of the embodiment of the present invention includes: an identity authentication device and an online banking transaction terminal; the transaction terminal is connected to the background authentication server of the online bank, and is used to prompt the user with a multi-factor password input request through the transaction page, and transmit the data input by the user To the background authentication server.

[0025] Such as image 3 As shown, the identity authentication device in this embodiment includes: a display screen, input keys and a casing. The input keys can be divided into function keys and numeric keypads. The display screen is used to display the dynamic password generated by the prompt, and echo the functions such as customer input; the numeric keypad is mainly used to input information such as PIN code and transaction ...

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PUM

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Abstract

The embodiment of the invention provides an identity authentication method, a device and a system. The device comprises a boot command input unit, an PIN input unit, a cryptogram mode selection unit, a storage unit, an interference unit, a cryptogram generation unit and a display unit, wherein the boot command input unit receives a boot command which is input by a user according to the external transaction page demands in order to generate a multi-element cryptogram, and executes the boot motion; the PIN input unit reminds the user of the PIN input request and receives the PIN input by the user; the cryptogram mode selection unit reminds the user of a multi-element cryptogram generation mode selection request and receives a multi-element cryptogram generation mode input by the user; the storage unit stores a user key and a cryptographic algorithm; the interference unit acquires an interference factor; the cryptogram generation unit generates a multi-element cryptogram according to the interference factor, the user key and the corresponding cryptographic algorithm; and the display unit displays the multi-element cryptogram which is to be input to the external transaction page. The invention is used for solving the problems in identity authentication and transaction authentication of internet banks and other financial transaction systems.

Description

technical field [0001] The present invention relates to identity authentication and transaction authentication technology, in particular to the identity authentication and transaction authentication technology of financial transaction systems such as online banking, and specifically an identity authentication method, device and system. Background technique [0002] In the prior art, there are several schemes for identity authentication and transaction authorization authentication as follows: (1) Static passwords: users often set weak passwords when using them, such as birthdays, phone numbers, etc.; they are easy to be stolen and monitored, such as through Trojan horses Stealing and network sniffing, etc. (2) Scratch cards and dynamic password cards: realize one-time encryption, but the security of transaction data cannot be guaranteed, and there is a risk of transaction data being tampered with. (3) Time-based dynamic token: a time-based one-time password generator that ca...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L9/32G06Q30/00
Inventor 谭路远伊劲松闫记东张安龙付新丽曾凯李丹王静媛
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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