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Network transaction authentication method, system and smart card

A technology for network transactions and authentication methods, applied in digital data authentication, payment architecture, data processing applications, etc., can solve problems such as user property loss, and achieve the effect of improving security and reducing the risk of property loss.

Active Publication Date: 2019-04-26
江苏亨通金服数字科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In the prior art, the mobile phone token software is completely based on software to generate dynamic passwords, so there is a certain risk of cracking; then, due to the network transaction authentication method in the prior art, the payment of the fee in the user's bank card can be done without using the user's bank card. Bank card can be realized, so there is a risk of user property loss

Method used

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  • Network transaction authentication method, system and smart card
  • Network transaction authentication method, system and smart card
  • Network transaction authentication method, system and smart card

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Embodiment Construction

[0046] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only It is a part of embodiments of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0047] In the process of realizing online banking business, online transaction authentication is an important security guarantee measure; in the prior art, when the online transaction authentication method based on dynamic token technology is used for online transactions, there is a way to implement it. The authentication server at the bank end T...

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Abstract

The invention discloses a networked transaction authentication method and system and a smart card. The networked transaction authentication method comprises the steps that the smart card receives a challenge code forwarded by a mobile terminal; the challenge code is stored in a storage module in the smart card; a processing module in the smart card generates a dynamic password according to the challenge code; a display module in the smart card outputs the dynamic password. According to the embodiment of the invention, a user cannot perform networked transactions without the smart card, so that even though a transaction module and other networked transaction related software in the mobile terminal of the user are illegally cracked, the networked transactions and other online banking services of the smart card cannot be achieved without the entity smart card, the safety of the networked transactions is also effectively improved, and the risk of property loss of the user is reduced.

Description

technical field [0001] The invention relates to the field of information security, in particular to a network transaction authentication method, system and smart card. Background technique [0002] Online banking business means that the bank provides financial services to users through the information network. Since the service of online banking business is not limited by time and region, users can enjoy convenient, fast, efficient and reliable all-round services. [0003] As an important item in online banking business, network transaction has always been the focus of people's attention on its security; in the prior art, the network transaction authentication method based on dynamic token technology has high security, and its specific implementation method can be as follows: During network transactions, the authentication server on the bank side combines transactions and algorithms to generate a random number, which is sent to the user's mobile terminal as a challenge code;...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06F21/34G06F21/46G06Q20/32
CPCG06F21/34G06F21/46G06Q20/3223
Inventor 操明立
Owner 江苏亨通金服数字科技有限公司
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