Dynamic password generating device and method and transaction system with dynamic password generating device

Abstract

The invention provides a dynamic password generating device, a dynamic password generating method and a transaction system with the dynamic password generating device. The dynamic password generating device comprises an audio interface, a loudspeaker, a receiving module, a converting module and a password generating module. The audio interface is used for receiving the challenge code of the analog signal transmitted by the a transaction terminal, wherein the challenge code comprises at least one part of the transaction information; the loudspeaker is used for playing at least one part of the transaction information according to the challenge code of the analog signal so as to be convenient for the user to confirm whether the transaction information is correct or not; the receiving module is sued for receiving the confirmation instruction inputted by the user after the user confirms that the transaction information is correct; the converting module is used for converting the challenge code of the analog signal into the challenge code of the digital signal; and the password generating module is used for generating the dynamic password according to the challenge code of the digital signal after the confirmation instruction is received. Because the audio interface is used for receiving the challenge code of the analog signal transmitted by the a transaction terminal, the user can judge whether the transaction information is correct or not according to the voice information, the security of the information of the user is guaranteed, and the user can use the network conveniently.

Description

technical field [0001] The invention relates to the technical field of information security, in particular to a dynamic password generation device, method and transaction system with the dynamic password generation device. Background technique [0002] In recent years, with the rapid development of the Internet and financial informatization, online banking has been widely praised by users and the banking industry because of its convenience and high efficiency. In order to overcome the security defects of the static password-based authentication methods, banks and various large-scale e-commerce websites mostly adopt dynamic password technology to strengthen the security of network identity authentication. [0003] Dynamic password technology, also known as one-time password technology, is characterized in that the user enters a dynamic password according to the displayed number of the dynamic password token provided by the service provider, that is, a dynamic password. The d...

AI Technical Summary

Problems solved by technology

Therefore, the existing time-based dynamic password technology has a relatively large security risk

[0008] (2) When the dynamic password technology based on challenge / response is adopted, the dynamic password generating device needs to generate a dynamic password according to the challenge code, and the user needs to input the challenge code into the dynamic password generating device, but sometimes the user does not know the input value of the dynamic password. The meaning of the challenge code, and when the user enters a challenge code with a large number of digits, it is easy to enter an error

Therefore, the existing dynamic password technology based on challenge / response is inconvenient to confirm whether it is the transaction required by the user when generating the dynamic password, thus causing security risks, and it is not convenient for the user to input the challenge code

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