Method achieving computer Internet banking authentication by utilization of mobile phone

Abstract

The invention discloses a method achieving computer Internet banking authentication by utilization of a mobile phone. The method comprises the following steps: firstly, a computer provides encryption transaction information; secondly, the computer requests a network bank server to carry out authentication, and the network bank server carries out authentication of the transaction information; thirdly, a near field communication mobile phone is connected with the network bank server through a wireless network, and the network bank server carries out primary authentication of the near field communication mobile phone; fourthly, after a double-interface intelligent bank card is connected with the near field communication mobile phone, encryption, decryption and digital signature are carried out, and the transaction information is transmitted; fifthly, the near field communication mobile phone displays the transaction information, confirmation is carried out in the computer or the near field communication mobile phone and the transaction is completed. A USB Key can be replaced, the cost for distributing USB Keys is saved, and the method has security, security, authenticity, integrity and non-repudiation when transaction is carried out in the Internet banking. The structure is simple, the hardware and software development cost is low, and the method has good social economic benefits.

Description

technical field [0001] The invention relates to a safety authentication method, in particular to a safety authentication method for realizing computer online bank remote payment by using a mobile phone plus a dual-interface intelligent bank card. Background technique [0002] Bank cards refer to credit payment tools issued by commercial banks (including postal financial institutions) to the public upon approval, which have all or part of the functions of consumer credit, transfer settlement, deposit and withdrawal of cash, etc. Since the 1970s, due to the rapid development of science and technology, especially the use of electronic computers, the scope of use of bank cards has continued to expand. The use of bank cards not only reduces the circulation of cash and checks, but also fundamentally changes the banking business due to the breakthrough of time and space constraints. The application of the bank card automatic settlement system makes a check-free and cashless societ...

AI Technical Summary

Problems solved by technology

[0007] Chinese patent, patent name: security authentication method for online banking remote payment based on dual-interface security smart card, patent application number: 20111024656.3, patent application date: January 24, 2011, in this patent, a dual-interface With the support of a secure smart card, a security authentication method for online banking remote payment based on a dual-interface security smart card based on a public key certificate is realized. However, in the computer online banking authentication process, a non-contact smart card reader needs to be connected to the computer. When using computer online banking and mobile phone online banking, two types of dual-interface card and non-contact smart card reader are required. Hardware, which also brings large hardware and software development costs, the social and economic benefits are not significant, and there is no special advantage compared with the popular mobile digital certificates in the market

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