Methods for automatically loading internet bank security assembly and authenticating internet bank security

Abstract

The invention provides a method for automatically loading an internet bank security assembly, which comprises the following steps of: committing the security assembly relative to a security authentication memorizer to an operating system provider for authentication by a server of an operating system provider, and publishing the security assembly passing the authentication to an update server of the operating system by the operating system provider. When the security authentication memorizer is connected with an internet bank client side, the operating system of the internet bank client side detects the security assembly of the internet bank client side, and installs the security assembly on the internet bank client side according to detection results. In addition, the invention also provides a method for authenticating the internet bank security. The methods provided by the embodiment of the invention can simplify drive software and internet bank application software for installing and updating the security authentication memorizer, and can optimize the existing problems about digital certificate management, arrangement of browser security control, trusted sites, IE interception, popup warnings, and the like, thereby enhancing the security experience of clients.

Description

technical field [0001] The invention relates to the field of financial services, in particular to a method for automatically loading an online banking security component and an online banking security authentication method. Background technique [0002] As a convenient financial service channel, online banking is of great significance to customers, society and the bank itself. For banks, on the one hand, online banking has become a sharp weapon for banks to stabilize high-quality customers and compete for new customers, effectively enhancing the core competitiveness of banks. On the other hand, it effectively diverts the counter business and relieves the pressure of queuing at the counter of outlets. In addition, considerable operating costs are saved. [0003] At present, the domestic banking industry usually uses USB Key to ensure the security of online banking services. However, the existing USB Key security products have relatively large limitations on online banking ...

AI Technical Summary

Problems solved by technology

[0004] First, before using USB Key security products, customers usually have to find and correctly download and install USB Key driver software and related online banking application software

The entire opening process is complicated to operate and the customer experience is poor, which largely affects the expansion of online banking business

[0005] Second, the current online banking systems of various banks mainly run on the Microsoft Windows system and IE browser platform. However, the USB Key driver software and online banking application software are developed by each supplier or bank. In actual use, usually There is a problem that USB Key driver software and online banking application software are not compatible with Windows system and IE browser. When installing USB Key-related security components, it will cause various abnormal phenomena such as interception, pop-up warnings, and even failure to install, which reduces customer experience.

[0006] Third, if the USB Key driver software and online banking application software need to be upgraded, it is necessary to deploy the patches required for software update and upgrade services on the bank website. It is more difficult to upgrade the existing USB Key customers

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