Method, system and authentication terminal for accomplishing service by multi-factor identity authentication

Abstract

The embodiment of the invention provides a method, system and authentication terminal for accomplishing a service by multi-factor identity authentication, belonging to the technical filed of communication. The method comprises the steps of: receiving an authentication request message transmitted by a user side or a server, wherein the message includes user information and information of service application; forwarding the request message to the authentication terminal corresponding to the user information, wherein the authentication terminal carries out the multi-factor identity authentication on a user according to the received request message and the obtained identity information; after the authentication terminal acknowledges the identity of the user: (1) transmitting acknowledgement information which responds to the request message, receiving the acknowledgement information and accomplishing the service corresponding to the service information; or (2) forwarding the acknowledgement information to the server to enable the server to accomplish the service corresponding to the service information. Unlike the prior art, the method, system and authentication terminal disclosed by the invention are free from transmitting the authenticated identity information in a network, so that the security and reliability of authentication are greatly increased.

Description

technical field [0001] The embodiments of the present invention belong to the field of communication technologies, and in particular relate to a method, system and authentication terminal for completing services through multi-factor identity authentication. Background technique [0002] In order to improve service efficiency, various service agencies are scrambling to open electronic services, so that users do not need to queue up at the window of the service agency to complete various applications, transactions, transfers and other services through paper, but only need to input digital information through terminal equipment. information, you can log in to your own account through identity authentication to apply for various services. For example, you can log in to your account registered with the corresponding institution by entering your account number and password through a browser on a network computer, and complete the submission of fees by entering the amount and confi...

AI Technical Summary

Problems solved by technology

[0003] However, this identity authentication method in the prior art has certain security risks. Since the identity information (user account number, password, etc.) is to be sent to the server, once the terminal side or the data transmission channel is invaded, these identities The information may be stolen, and criminals who obtain these identity information can apply for various services through the stolen identity information, such as financial services, which will greatly destroy the social security environment, so those skilled in the art It has long been hoped that electronic services will be designed to be more secure and reliable

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