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Online banking transaction method

A transaction method and online banking technology, applied in the field of online banking, can solve the problem that the security of the transaction process cannot be well guaranteed, and achieve the effect of improving transaction security and providing security

Inactive Publication Date: 2016-07-27
WATCHDATA SYST
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, this kind of transaction needs to rely on dynamic tokens to complete, and the use of this online banking transaction method relies on the interaction process between the PC operating system and the background server, and the security of the transaction process cannot be well guaranteed.

Method used

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Embodiment Construction

[0023] The present invention will be further described in detail below in conjunction with the accompanying drawings and specific embodiments.

[0024] figure 1 It shows a flow chart of an online banking transaction method provided in an embodiment of the present invention, and the method may include the following steps:

[0025] Step S100: the online banking background server generates a QR code according to the transaction data and sends the QR code to the PC for display;

[0026] In this embodiment, the user first logs in the online banking on the personal computer PC through the online banking page, and after logging in, sends an online banking transaction request to the online banking background server through the PC according to his own needs, wherein the online banking transaction request includes transaction data, and the transaction data mainly includes the transaction name (such as online transfer or online payment, etc.), transaction amount and transaction account ...

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Abstract

The present invention discloses an online banking transaction method, belonging to the field of online banking transactions. The method comprises the steps that an online banking background server generates a two-dimensional code according to the transaction data sent by a PC and sends the two-dimensional code to the PC for displaying; a mobile intelligent terminal scans the two-dimensional code, analyzes the two-dimensional code through the trusted execution environment (TEE), and obtains the analyzed transaction data; then the mobile intelligent terminal prompts a user to input a safety login code, the transaction data is displayed to be confirmed by a user after the verification approval, a first dynamic password OTP is generated by the TEE according to the transaction data after user confirmation, then the first dynamic password OTP is sent to the online banking background server, and the online banking background server verifies the password and then carries out online banking transaction. According to the method, the analysis of the transaction information and the generation of the dynamic password are completed through the TEE of the mobile intelligent terminal, and the safety of the transaction is greatly improved.

Description

technical field [0001] The invention relates to the technical field of online banking, in particular to an online banking transaction method. Background technique [0002] Online banking refers to the financial services provided by banks through information networks, including traditional banking services and emerging services brought about by the application of information technology. With the rapid development of the network and the needs of people's lives, online banking has become an indispensable part of people's daily life and work. Through online banking applications, users can conveniently complete various transactions they need without leaving home, such as online payment. , Transfer, etc. [0003] In order to better ensure the security of online banking transactions, the dynamic password OTP came into being. The process of traditional OTP-based online banking transactions is generally that when the browser of the PC is connected to the background server of the on...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q20/38G06Q20/40
Inventor 刘建新汪雪林
Owner WATCHDATA SYST