Banking transaction authentication method and system based on image authentication

Abstract

The invention provides a banking transaction authentication method and system based on image authentication. According to the banking transaction authentication method, a network server obtains reference image information of a user and processes the reference image information to be digital reference image information, wherein feature information of the digital reference image information can be extracted easily; in the process of banking transaction conducted by a user, user equipment requests the user to provide image information for authentication, the image information for authentication is converted to an image sequence, encryption and endorsement are conducted on banking transaction information and the image sequence, and user transaction information is formed; the network server conducts attestation and decoding on the received user transaction information and obtains the image sequence, the image sequence is restored to be analog image information, the analog image information is processed to be digital image information confirming to characteristics of the user, the digital image information is compared with the digital reference image information of the user to enable the identity of the user is confirmed, therefore, security vulnerabilities existing in electronic banking are plugged, and transaction security is improved.

Description

technical field [0001] The invention relates to the field of transaction authentication, in particular to an image verification-based banking transaction authentication method and system. Background technique [0002] With the rapid development of e-commerce, more and more users begin to shop through the Internet. Since the Internet is an open and public network, there is no special organization to manage it. Therefore, the security of Internet-based transactions become the focus of attention of all parties. [0003] For example, in the Chinese patent document with the application number 201210059410.4, a system and method for ensuring the security of network transactions is provided, which displays the user transaction information on the encryption device connected to the network transaction terminal, and the user confirms after checking, and Set up a short message channel between the online trading platform and the online trading terminal, and match the user transaction i...

AI Technical Summary

Problems solved by technology

[0007] 1. Once the user's password is stolen, it is difficult to effectively protect the fund security of the user account;

[0008] 2. Once the Trojan horse virus records or videotapes the user's transaction operations, the security of the user's account is difficult to be guaranteed;

[0009] 3. Since it is impossible to determine whether the operator who provided the password information of the user account is the owner of the account during the transaction process, it is difficult to confirm whether the party responsible for the handling of the account is the bank or the merchant or the user himself

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