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Safe internet bank implementation method

An implementation method and safety net technology, applied in the payment system, user identity/authority verification, etc., can solve the problems of theft and embezzlement of private keys and digital certificates in USBKEY, and achieve the effect of ensuring transaction security and ensuring security

Inactive Publication Date: 2013-05-22
涂国坚
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, with the advancement of network and hacker technology, the private key and digital certificate in the USBKEY may still be stolen during the operation

Method used

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  • Safe internet bank implementation method

Examples

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Effect test

Embodiment Construction

[0018] Such as figure 1 As shown, a method for implementing a secure online bank with dual dynamic passwords, the specific implementation steps are as follows:

[0019] Before using online banking, the user first presets a self-defined transaction verification code in the online banking system;

[0020] 101: The user logs in to the online banking system through the Internet, and the online banking system sends a dynamic login password to the user after receiving the login request, and the user enters the received dynamic login password into the online banking system through the Internet;

[0021] 102: After the verification of the dynamic login password is correct, the online banking system will pop up a prompt, and the content of the prompt is the transaction verification code preset by the user. After the user checks the transaction verification code, click OK to enter step 103; Go to step 101;

[0022] 103: The online banking system sends the dynamic transaction password ...

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PUM

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Abstract

The invention provides a double dynamic password implementation method. Steps comprises that a user can preinstall a trade identifying code in a internet bank system before using the internet bank, wherein the trade identifying code is defined by the user; the user can login the internet bank system through the internet, the internet bank system sends a dynamic login password to the user after the internet bank receives a login requirement and the user inputs the received dynamic login password to the internet bank system though the internet; the internet bank system jumps out to prompt after the trade identifying password is inerrable, prompt content is the trade identifying code, wherein the trade identifying code is preinstalled by the user and the user click and confirm after the user check the trade identifying code inerrably; the internet bank system sends a dynamic trade password to the user after the internet bank system receives the information of confirming the trade identifying code; the user input the received dynamic trade password to the internet bank system through the internet and the user can login a internet bank transactional interface to trade successfully.

Description

technical field [0001] The invention relates to the field of information security, and is suitable for a safe transfer system of network banks and an e-commerce payment method. Background technique [0002] With the rapid development of e-commerce and the Internet, the amount of online transactions in Internet banking (referred to as Internet banking) continues to expand, and the problem of network transaction security has become increasingly prominent. At present, in the process of online banking transactions, dynamic password locks and USBKEYs are generally used as user identity authentication technologies at home and abroad. [0003] The dynamic password lock includes two elements: one is the static PIN code (identification code), which is set and kept by the user; the other is the dynamic password, which is randomly generated by the dynamic password card, is unpredictable, and is synchronized with the access control of the background server After the dynamic password is...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L9/32G06Q20/38
Inventor 涂国坚
Owner 涂国坚
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