Internet bank security authentication method and system

A technology for online banking and security authentication, applied in the field of online banking security authentication, can solve the problems of smart phones being invaded by viruses and hackers, increase bank operating costs, endanger the security of online transactions, etc., and achieve the effect of a safe and convenient transaction method.

Active Publication Date: 2012-10-17
FUJIAN LANDI COMML EQUIP CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] Disadvantages of Method 1 and Method 2: Since smartphones may be invaded by viruses and hackers, the file certificate or SMS code in Method 1 and Method 2 may be obtained by malicious software, thus endangering the security of network transactions
[0008] Disadvantage of method 3: the bank needs to issue U-key specially, and this U-key is usually only used for online transactions of one bank
This increases the operating cost of the bank, and also makes the user need to carry a variety

Method used

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  • Internet bank security authentication method and system
  • Internet bank security authentication method and system
  • Internet bank security authentication method and system

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Embodiment Construction

[0035] In order to describe in detail the technical content, structural features, achieved objectives and effects of the present invention, the following is a detailed description in conjunction with the embodiments and accompanying drawings.

[0036] In the following embodiments, the mobile terminal uses a mobile phone as an example, but it is not limited to this, and may also include a tablet computer, a POS machine, etc., to describe in detail the online banking security authentication method.

[0037] See figure 1 , Is a flowchart of an embodiment of a security authentication method for network banking of the present invention, and the method includes the following steps:

[0038] Provide a mobile terminal with a function of reading a smart card, the mobile terminal stores a U-key component program;

[0039] Provide a smart card storing a digital certificate and a private key for identifying a user's identity, and the smart card is a bank card storing user account information;

[00...

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Abstract

The invention discloses an internet bank security authentication method which comprises the steps of: providing a mobile terminal with a card reading function, wherein U-key assembly program is stored in the mobile terminal; providing an intelligent card stored with a digital certificate and a private key, wherein the digital certificate and the private key are used for identifying user identity, and the intelligent card is also used as a bank card for storing information of a user account; reading the intelligent card for storing the digital certificate and the private key by the mobile terminal, conducting identity authentication on a user between the intelligent card and an internet bank server side, wherein internet bank server side is used for storing a server certificate and a server private key; and after the identity authentication is passed, forming a safety data link between the internet bank server side and the intelligent card so as to conduct networked transaction. According to the invention, the safety information is stored in the intelligent card, safety and convenient transaction can be realized by the mobile terminal and user identity authentication between the intelligent card and the internet bank server side. The invention further discloses an internet bank security authentication system.

Description

Technical field [0001] The invention relates to a network bank safety authentication method and system using a smart card as a data carrier. Background technique [0002] With the development of e-commerce, online transactions have become more and more popular. In addition, as the price of smart phones has fallen, their sales have increased day by day. This has made the demand for online payments via mobile phones increasingly obvious, and major banks have also launched their own mobile banking. Currently, the common mobile phone-based mobile payment methods are: [0003] Method 1: Provide security authentication for remote payment through local file certificate. [0004] Method 2: Provide security authentication for remote payment through SMS code. [0005] Method 3: For some mobile phones that provide USB-OTG interface, a specific U-key is already available. Through this U-key to ensure the security of remote payment. [0006] Disadvantages of the above method: [0007] Disadvanta...

Claims

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Application Information

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IPC IPC(8): G06Q20/38G06Q20/42G06Q20/34
Inventor 吴旋苏龙
Owner FUJIAN LANDI COMML EQUIP CO LTD
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