Transaction security method, acceptance device and submission software

Abstract

A transaction confidentiality method, acceptance device and submission software relate to the technical fields of finance, electronics, communication, software and information security. Trading institutions, especially banks' trading terminal equipment (such as ATM, POS) are equipped with wireless transaction acceptance devices. Customers use mobile phones to input transaction information (password and / or amount), and use short-range wireless communication (such as Bluetooth) to establish a confidential channel to send and submit; transaction acceptance The device is configured to automatically identify the HID keyboard, convert the transaction information to generate a key character code sequence, and transmit the simulated keyboard keys to the host of the transaction terminal device, which is equivalent to inputting from a physical keyboard; the key negotiation process bilaterally generates and exchanges random keys, and the transaction acceptance device Randomly generate or transform the exported key, and finally use it to encrypt and decrypt transaction information; limit the valid value range of the character code of the verification key, and shield and not pass invalid character codes; the mobile phone submission software also encrypts and transforms to prevent peeping, effectively protecting the account password; device system No changes to business processes are required.

Description

technical field [0001] The invention relates to the technical fields of finance, electronics, communication, software and information security. Background technique [0002] The electronicization of financial services has penetrated into all aspects of social life. Transaction terminal equipment such as ATMs (automated teller machines) and POS machines can be seen everywhere. Withdraw cash and pay for purchases. However, such convenient financial services have always had security problems, and incidents of criminals stealing bank cards have occurred from time to time, seriously infringing on financial order and customers' money. The basic method of card theft is picking up, stealing, and cloning bank cards, and the key link is to steal customer Mima. The main ways to steal passwords are guessing passwords, recording keystrokes and peeping input. Some lawbreakers even use technological means to cover and arrange fake keyloggers, and secretly install micro-cameras to record...

AI Technical Summary

Problems solved by technology

Among the above-mentioned technical solutions, the physical barrier method is too mechanical, and its reliability is questionable; the effect of the visual interference method must be discounted; while the biometric, system integration and mobile phone methods all involve changes in the software and hardware systems of transaction equipment and even bank cards and business process reengineering , high cost and difficult to implement

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