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, and a result is stored in the bank terminal; S4, the bank terminal sends the numeric string 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 operation on the numeric string; S6, the user sends an operation result to the bank terminal through the mobile phone 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 field of communications, in particular to a network security transaction method. Background technique [0002] With the vigorous development of the Internet, online banking 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 services. 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 USB Key stores the digital certificate representing the user's unique identity and the user's private key. In this overall solution based on the PKI system, the user's private key is generated in the high-security USB Key, and cannot be exported to th...

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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