Safety guarantee method based on cloud service for network bank transfer

Abstract

The invention discloses a safety guarantee method based on cloud service for network bank transfer. The safety guarantee method comprises the following steps: (11) setting a certain value group to generate a transfer protection password; (12) for any request of entering a transfer service function, automatically jumping to a cloud service side by a plug-in, decoding according to an original set value group, and transferring after verification; and (13) if the verification is not passed or exceeds set times, freezing the transfer function by a system, increasing a secondary protection measure for the transfer service independently on the basis of original network bank password protection, wherein the secondary protection does not involve a user bank account and other information, and is only associated with the transfer service function of the user account. By setting the value group through a user personalized behaviour, code cracking difficulty is greatly improved compared with that of common simple password setting, thus fundamentally guaranteeing the safety of an individual account.

Description

technical field [0001] The invention relates to a method for ensuring security of network bank transfer based on cloud services. Background technique [0002] In the era of the Internet and mobile Internet, smart terminals such as computers, Pads, and mobile phones are not only computer tools and voice communication tools, but also network interaction centers for various personal data. The online payment that has emerged in recent years is bringing convenience to people. At the same time, it also brings certain security issues. In some specific cases, a third party can steal account deposits without the user's knowledge, causing property losses, and may also cause disputes. [0003] Existing payment methods such as Alipay, WeChat, UnionPay and various online banks all use the mode of binding personal accounts on mobile phones. Due to the leakage of personal information, in many cases, the mobile phone number can be found. ID number, after the mobile phone is lost, The p...

AI Technical Summary

Problems solved by technology

[0002] In the era of the Internet and mobile Internet, smart terminals such as computers, Pads, and mobile phones are not only computer tools and voice communication tools, but also network interaction centers for various personal data. The online payment that has emerged in recent years is bringing convenience to people. At the same time, it also brings certain security issues. In some specific cases, a third party can steal account deposits without the user's knowledge, causing property losses and possibly causing disputes.

[0003] Existing payment methods such as Alipay, WeChat, UnionPay and various online banks all use the mode of binding personal accounts on mobile phones. Due to the leakage of personal information, in many cases, the mobile phone number can be found. ID number, after the mobile phone is lost, The password will be changed, and the funds in the account cannot be guaranteed to be absolutely safe. Even if you call to freeze and call the police at the first time, it may have created opportunities for bad actors in time, and your hard-earned money will be easily stolen

[0004] The current payment protection mainly relies on payment passwords and mobile phone verification codes. Some, such as Alipay, have also opened small-amount password-free payments for users. Although there are digital passwords and graphic passwords, many applications will remember the account after logging in. After losing the mobile phone, Whether it is to retrieve the password through the bound mobile phone or by entering the ID number, the password can be changed quickly, and the user cannot guarantee the safety of the account funds

If you encounter a Trojan horse virus, your account number and password may be stolen at the same time