System and method for verifying by entering cipher code after putting through and hearing cipher code

Abstract

The invention provides a system and a method for verifying by entering a cipher code after putting through and hearing the cipher code. When receiving an account logon or transaction request, a service system verifies whether the account is bound with a telephone for putting through and hearing the dynamic cipher code. If the account is bound with or receives the new telephone for putting through and hearing the dynamic cipher code, the service system validates whether the account locks the mode for putting through and hearing the dynamic cipher code. If the account locks the mode for putting through and hearing the dynamic cipher code or the system receives a request to select the mode for hearing the dynamic cipher code, a server transmits the dynamic cipher code and the designated telephone to a designated cipher code prompting system and commands to prompt the dynamic cipher code to the designated telephone by voice. A service terminal receives the entered cipher code and then transmits the cipher code to the server in time, and the server system verifies whether the received data transmitted by the service terminal is the same as the dynamic cipher code prompted by the command designated cipher code prompting system; if the received data transmitted by the service terminal is the same as the dynamic cipher code prompted by the command designated cipher code prompting system, the server system enters the request operation step.

Description

technical field [0001] The present invention relates to a system and a method that can only be operated by typing the password for checking after answering the dynamic password, especially relates to a system and method for realizing the operation by answering the dynamic password and typing the password for checking when logging into an account or before a transaction. Background technique [0002] In order to steal the amount of user accounts, thieves resort to various tricks. like: [0003] You can often see the news of the loss of funds in the user's bank account. The method of peeping is commonly used by thieves. When the user uses the transaction at the ATM terminal, if the account number and password have been peeped, the criminals will use various methods. Bad ideas, to exchange the user's bank card or use the user's account number to copy a fake card to steal the amount in the user's account. For example, the bank card is obviously by your side, but suddenly the b...

AI Technical Summary

Problems solved by technology

If the thief dares to use his own phone to listen to the dynamic password, it is impossible to confirm that the user account must be locked. Only by connecting the call, listening to the transaction password and typing it in for verification can the transaction be realized. If the user chooses to key in and If you agree on the password of the bank, then it will be a waste of time

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