Online bank identity authentication method and apparatus thereof

A technology of identity authentication and online banking, applied in user identity/authority verification, equipment, finance, etc., to achieve the effect of ensuring security

Inactive Publication Date: 2012-10-17
SHENZHEN ZHENGTONG ELECTRONICS
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0012] To sum up, in the existing identity authentication method, since the user enters the authorization code and account password on the online banking client 2, and then the online banking client 2 sends it to the identity authentication device 1, the authorization code and / or account password will be displayed in plain text Appears on the keyboard and in the memory of the online banking client 2 in a way, and the online banking client 2 is a part of the open network environment, it is easy for an attacker to attack it, intercept the authorization code and / or account password, and complete the forged signature. trade

Method used

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  • Online bank identity authentication method and apparatus thereof
  • Online bank identity authentication method and apparatus thereof
  • Online bank identity authentication method and apparatus thereof

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Embodiment Construction

[0030] In order to further illustrate the principle and structure of the present invention, preferred embodiments of the present invention will now be described in detail with reference to the accompanying drawings.

[0031] The flow process of the method for online banking identity authentication of the present invention is as follows: figure 2 As shown, it generally includes:

[0032] Step 201: When the user is required to input an authorization code to start the identity authentication process, the input of the authorization code is realized through a keyboard embedded in the identity authentication device 1, and the identity authentication device 1 compares the authorization code and matches If successful, the identity authentication device 1 can be used for identity authentication.

[0033] Step 202: When the identity authentication device 1 needs account password information, the input of the account password is also realized directly through the keyboard on the identi...

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Abstract

An online bank identity authentication method and an apparatus thereof are disclosed. The method comprises the following steps: setting an apparatus, wherein the apparatus comprises a processor, an interface connected with the processor and a keyboard; inputting an authorization code via the keyboard, wherein after the authorization code is verified to be qualified, the processor carries out digital signature processing on external equipment via data provided by the interface and the processed data is returned to the external equipment via the interface. Through inputting the authorization code and an account password on the apparatus which is independent of an online bank client, the authorization code and the account password can be ensured not to be stolen so as to effectively guarantee safety of an identity authentication process.

Description

technical field [0001] The invention relates to a network bank, in particular to the realization of identity online authentication in the network bank. Background technique [0002] With the rapid development of the Internet and e-commerce, the amount of online transactions in online banking (hereinafter referred to as online banking) continues to increase, and the problem of network information security has become increasingly prominent. Consumers are paying more and more attention to the security of online banking. In order to ensure the security of online banking, identity authentication technology is required for online banking operations. [0003] At present, there are two widely used identity authentication hardware products that can realize relatively secure online banking system login, namely dynamic password lock and USB Key. [0004] Dynamic password (Dynamic Password) is also called one-time password, which means that the user's password is constantly changing dy...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L9/32G06Q40/02
Inventor 李肯立肖德贵宋丹刘彦唐卓秦云川
Owner SHENZHEN ZHENGTONG ELECTRONICS
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