Method, system and device for identifying user's identity

Abstract

The invention relates to a method and a system for identifying a user's identity, as well as a user terminal, an identification front end computer system and an identification server. According to the invention, the user terminal transmits identification indication containing identification information to the identification front end computer system; the identification front end computer system sends an identification request containing the identification information to a specific identification server; after receiving the identification request, the identification server identifies a user's identity according to the identification information; and preferably, the identification server sends an identification result to the identification front end computer system. When the user pays a certain amount of money to an operator, and after successful identification, the identification server pays a certain amount of money to a specific operator's account from a specific user's payment account.

Description

technical field [0001] The invention relates to the technical field of information security, in particular to a method and system for authenticating user identities. The invention also relates to a user terminal, an authentication server and an authentication front-end computer system used in said method and system. The invention also relates to a corresponding computer program product and computer readable medium. Background technique [0002] With the development of information technology, e-commerce has become more and more popular in people's life. The popularity of e-commerce is inseparable from the authentication of user identity. In the prior art, there are mainly two types of applications that need authentication of user identity: electronic payment mechanism and electronic ticketing (ticket authentication, such as: tickets and membership cards, work cards, passes, time cards for attendance clocks, student cards , library card and other certificates) mechanism. ...

AI Technical Summary

Problems solved by technology

This leads to the monopoly position of card operators and pushes up the charges of card operators; at the same time, for card operators that only operate in certain regions, there will be problems when card holders pay merchants in other regions

[0012] 2. The electronic payment mechanisms of the above a1 and a2 categories rely on the physical card owned by the user to identify the user, which is easy to be stolen and has low security

[0013] 3. The electronic payment mechanism of category a2 above can only be used for payment by physical merchants, and is generally not suitable for payment by online merchants

If the user needs to pay through different electronic payment mechanisms and / or different card operators under the same electronic payment mechanism, he / she needs to carry multiple corresponding physical cards with him / her, causing extreme inconvenience and / or risk of loss

[0015] 5. The above-mentioned electronic payment mechanisms of categories a3, a4 and a5 can only be used for payment of online transactions, and are generally not suitable for physical merchants

And these categories take a long time to operate

[0017] 7. For the above-mentioned electronic payment mechanisms in categories a2, a4 and a6, their operators are generally limited to individual regions, and their global versatility is low

The operation of category b4 takes a long time, is prone to errors, and the password is easy to be stolen by malicious software, etc.

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