Banking mobile terminal data signature device, banking mobile terminal data signature method and safety authentication system

Abstract

The invention discloses a banking mobile terminal data signature device, a banking mobile terminal data signature method and a safety authentication system. The banking mobile terminal data signature device comprises an audio converter and a signature module, wherein the audio converter is used for decoding a received transaction data audio signal comprising banking mobile terminal transaction data and generating the transaction data of a banking mobile terminal; the signature module is used for signing the transaction data of the banking mobile terminal generated by a protocol converter and generating signature transaction data; and after the signature module generates the signature transaction data, the audio converter encodes the signature transaction data to generate the signature transaction data audio signal and transmits the signature transaction data audio signal to the banking mobile terminal.

Description

technical field [0001] The present invention relates to the technical field of security authentication, in particular to the security authentication technology of mobile terminals for application, and specifically relates to a bank mobile terminal data signature device, method and security authentication system. Background technique [0002] At present, mobile terminals such as mobile phones and tablet computers are increasingly widely used, and mobile client banking applications applied to mobile terminals are also increasing. Domestic commercial banks have successively launched mobile client banking systems that support Apple iOS, Android and Windows Phone systems. It mainly includes mobile banking and mobile terminal online banking. [0003] In the existing technology, the security mechanism of mobile client banking mainly includes: binding of payment account and mobile phone number, use of transparent transmission of mobile phone number, static password, OTP (SMS dynamic...

AI Technical Summary

Problems solved by technology

[0003] In the existing technology, the security mechanism of mobile client banking mainly includes: binding of payment account and mobile phone number, use of transparent transmission of mobile phone number, static password, OTP (SMS dynamic password or dynamic token TOKEN), etc., but the existing mobile The overall security situation of the security mechanism of the client bank is not perfect, and the existing security mechanism has the following deficiencies: the customer's mobile phone is highly coupled with the security authentication method, and once the mobile phone is lost, the security protection of the binding mechanism and SMS dynamic password is weak; the current mobile terminal Trojan horse It can monitor keyboard events and remotely hijack data, so static passwords also have certain risks

However, for smart terminals, the data interfaces of different manufacturers, or even different models of smart terminals of the same manufacturer, are very different, so it is impossible to promote the use of existing USB Keys.

Images