Dynamic password certification system and method and dynamic password device

Abstract

The invention provides a dynamic password certification system and method and a dynamic password device, wherein the device comprises a user interaction module for a user to input information and display the information for the user, a photosensitive information collecting module for collecting the displayed photosensitive information on a client end in a photosensitive mode, a photosensitive information processing module for processing the photosensitive information collected by the photosensitive information collecting module to obtain transaction information and a data processing module for performing operation on the transaction information and a seed secret key according to a password generating algorithm to obtain a dynamic password. By the interaction mode of an online bank system and a token, the transaction information input mode of the user can be faster and more convenient, meanwhile, the user transaction information is checked and confirmed by the user after being displayed on a token screen, so the transaction function of what the you see is what you sign is realized, and the safety and accuracy of the online bank truncation are effectively improved.

Description

technical field [0001] The invention relates to the field of data processing, in particular to a dynamic password authentication system and method, and a dynamic password device. Background technique [0002] In recent years, as a brand-new financial service channel, online banking is of great significance to social progress, to customers, and to the bank itself. But at the same time, with the rapid development of network technology, the processing of online banking business is faced with many security risks, such as Trojan horse attacks, man-in-the-middle attacks, phishing attacks, malicious code attacks, etc. [0003] In response to various risks in online banking, domestic banks have adopted various methods to ensure the security of online banking clients, such as static passwords, SMS dynamic passwords, and digital certificate authentication. There are still security risks and limitations in the transaction process, and transaction security cannot be guaranteed. In add...

AI Technical Summary

Problems solved by technology

[0003] In response to various risks in online banking, domestic banks have adopted various methods to ensure the security of online banking clients, such as static passwords, SMS dynamic passwords, and digital certificate authentication. There are still hidden dangers and limitations in the transaction process, and the transaction security cannot be guaranteed

In addition, the transaction input process of online banking is cumbersome and error-prone, which greatly reduces the user experience

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