Mobile banking security authentication method

A technology of security authentication and mobile banking, applied in electronic vouchers, instruments, payment systems, etc., can solve problems such as increasing links and ensuring fund security

Inactive Publication Date: 2015-05-27
ZHENGZHOU UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] However, although it is very convenient to use mobile banking, compared with traditional online banking, mobile banking has more payment links, and the payment environment is more open and complex. Users are more concerned about the security of mobile banking. It is not possible to fully guarantee the safety of funds

Method used

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  • Mobile banking security authentication method

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Embodiment Construction

[0024] The basic idea of ​​the dynamic password is to save the common key information (as a constant for calculating the dynamic password) and the encryption algorithm in the authentication server and the dynamic password token hardware at the same time, and then select a variable that can be used by both the authentication server and the dynamic token ( For example, the number of times a dynamic password is generated or the current time or a challenge code) is used to calculate the dynamic password. When authentication is required, the dynamic password is first calculated by the dynamic password token, and then transmitted to the authentication server. The authentication server uses the corresponding information to calculate the dynamic password, and judges whether the input dynamic password is correct by comparing whether the two passwords are the same. .

[0025] Such as figure 1 As shown, the mobile banking dynamic two-dimensional code password token of the present invent...

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Abstract

The invention discloses a mobile banking security authentication method. The mobile banking security authentication method comprises the following steps: A, a client uses a client terminal to request for access to an application server; B, the application server requests an authentication server to authenticate the client identity; C, the authentication server requires authentication information from the client terminal; D, a dynamic two-dimension code password token generates a dynamic two-dimension code containing own account and password information; E, the dynamic two-dimension code on a token screen is scanned and transmitted to the authentication server through the network; F, the authentication server invokes corresponding client information, generates a random sequence relevant to client information and events, analyzes the two-dimension code password for comparison in order to distinguish the legitimacy and authenticity of the client identity, and reports the authentication result to the application server; G, the application server feeds back the authentication result to the client terminal, and determines provision of service or denial of service. The mobile banking security authentication method combines the dynamic password token and the two-dimension code, provides double-factor strong identity authentication, and provides guarantee for mobile banking security.

Description

technical field [0001] The invention relates to the technical field of mobile banking transaction security assurance, in particular to a mobile banking security authentication method based on a dynamic two-dimensional code. Background technique [0002] With the rapid development of smart phones and their application software, mobile banking, as a brand-new banking service, is welcomed by customers. Due to the great convenience and cost-effectiveness it brings to customers, more and more customers are using mobile banking services. Therefore, while mobile banking provides convenience, its security has also attracted great attention from banks and customers. Since mobile banking is built on the mobile internet platform, its security mainly depends on the security of the mobile internet. General mobile banking adopts multiple security mechanisms, mainly including some basic measures: 1. Mobile phone number verification or SMS verification; 2. Double password verification of ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/36G06Q20/32
CPCG06Q20/3276G06Q20/3821G06Q20/4014
Inventor 王国卿刘涛涛阮春阳卢耀恩王瑞民庄雷宋玉
Owner ZHENGZHOU UNIV
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