Identity authentication method, device and system

Abstract

The invention relates to an identity authentication method, a device and a system. The method comprises steps: a virtual resource data processing request sent by a mobile terminal is acquired, the virtual resource data processing request carries a pre-stored digital fingerprint, and the digital fingerprint is generated by using equipment information and user information; according to a prebuilt user numerical value transfer behavior model, virtual resource data processing authentication is carried out on the virtual resource data processing request; after the virtual resource data processing authentication is passed, according to the digital fingerprint, a numerical value transfer token is generated, and the numerical value transfer token is returned to the mobile terminal; a numerical value transfer request sent by the mobile terminal is received, and the numerical value transfer request carries the numerical value transfer token; and whether the numerical value transfer token is legal is checked, if yes, the identity authentication is passed, and if not, the identity authentication is not passed. Numerical value transfer safety can be improved, and numerical value transfer convenience is ensured.

Description

technical field [0001] The present invention relates to the field of network technology, in particular to an identity authentication method, device and system. Background technique [0002] As a kind of value transfer, mobile payment refers to payment activities such as the purchase of virtual goods or physical objects, the transfer of cash and virtual currency through mobile devices. [0003] In the traditional mobile value transfer process, identity authentication is generally required, and most value transfers are based on user passwords, user fingerprints, and geographic location information where users often perform value transfers as the basis for identity authentication. Specifically, the traditional technical solution uses the user password and the commonly used geographical location information corresponding to the password obtained on the basis of obtaining the user's permission, and after matching the corresponding numerical value transfer password with the geogra...

AI Technical Summary

Problems solved by technology

[0004] However, although this solution solves the problem of user value transfer security and off-site fraud to a certain extent, it limits users to transfer value only in known locations. (such as business trip) usage scenarios cannot meet the convenience; in addition, when the mobile device and account are stolen, it is easy to use the victim account to transfer value within the range of the account's usual location, and the security cannot be guaranteed

Images