Secure network transaction method

Abstract

The invention relates to a secure network transaction method. The secure network transaction method comprises the following steps that S1, a user logs into a transaction interface of a client host computer and executes account transfer operation; S2, an operation mode is selected for a bank terminal randomly; S3, the bank terminal generates a numeric string randomly and conducts operation; S4, the bank terminal sends an operation result and the serial number of the operation mode to a mobile phone of the user; S5, the user extracts the category of the operation mode from a received message and conducts inverse operation on the operation result of the bank terminal; S6, an operation result of the mobile phone of the user is sent to the bank terminal in a short message mode; S7, the bank terminal checks information fed back by the user, a transaction is completed if the information is accurate, and the transaction is canceled if the information is inaccurate. A network and the mobile phone are simultaneously used for conducting the transaction, so that the secure network transaction method is safer and rapider to implement.

Description

technical field [0001] The invention relates to the communication field, in particular to a network security transaction method. Background technique [0002] With the vigorous development of the network, the online banking business has also penetrated into the Internet in every corner of the world by using the rapidly developing computer and computer network and communication technology. So far, most domestic banks have launched their own online banking business. During the development of online banking, the security of online transactions has also become the focus of attention. [0003] At present, the security measures taken by most banks are to provide users with USB Key or dynamic password authentication methods. Among them, the digital certificate representing the unique identity of the user and the private key of the user are stored in the USB Key. In this overall solution based on the PKI system, the user's private key is generated in a high-security USB Key, and c...

AI Technical Summary

Problems solved by technology

Both scratch cards and two-dimensional matrix cards are provided in the form of paper cards, but they all have inherent defects. Scratch cards have a strict limit on the number of times they can be used, generally only 30 times, while two-dimensional matrix cards Although the card can be used unlimited times, it is easy to be copied. Compared with the dynamic password, the scratch card and the two-dimensional matrix card are not time-sensitive.

[0005] However, users must use USB Key or dynamic password during transaction operations, which is cumbersome to operate

Since the USB Key or dynamic password may be lost or stolen by others, this seriously affects the security of online transactions

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