Method and device for verifying reliability of identity of financial card user

Abstract

The invention provides a method and device for verifying reliability of an identity of a financial card user. The method comprises the steps that response data required by a financial card is sent to the financial card; interactions are implemented to the financial card, so that card number information and ciphertext response information of first application ciphertext are obtained; transaction password information input by the user is received; the ciphertext response information, the transaction password information and the response data are sent to a card issuer server; interactions are carried out to the card issuer server, so that a first authentication result and first authentication data are obtained; the first authentication data is sent to the financial card; a second authentication result is obtained after verification of the financial card based on the first authentication data; and legality of the user identity is determined according to the first authentication result and the second authentication result. The scheme provided by the embodiment of the invention has the advantages that the verification of the user identity and issuance can be carried out conveniently, rapidly and reliability without use of extra hardware equipment; safety ricks caused by frauds are avoided; and information safety is protected.

Description

technical field [0001] The invention relates to the field of information security, in particular to a method for verifying the reliability of a financial card user identity and a device for verifying the reliability of a financial card user identity. Background technique [0002] With the continuous improvement of computer networks and the maturity of the Internet data service industry chain, the number of mobile phone Internet users continues to increase, and the verification of user identity reliability is also facing severe challenges. For example, in the financial field, transactions such as mobile banking login, transfer, inquiry, and wealth management all face identity verification. At present, some banks use the U-Shield additionally issued by the bank to verify the legality of the user's identity when transferring money through mobile banking. Not only The cost is increased, and the U-shield needs to be carried around, which is easy to lose, which increases the diffi...

AI Technical Summary

Problems solved by technology

For example, in the financial field, transactions such as mobile banking login, transfer, inquiry, and wealth management all face identity verification. At present, some banks use the U-Shield additionally issued by the bank to verify the legality of the user's identity when transferring money through mobile banking. Not only It increases the cost, and the U-shield needs to be carried with you, which is easy to lose, which increases the difficulty for users to use

There are also other fields, such as personal credit information platforms, which require bank cards, USB-shields and mobile phones to verify the legitimacy of user identities. If users do not apply for USB-shields, there will be a certain risk of leakage

In addition, in the field of mobile payment, it also faces the problem of verifying the legality of user identity

[0003] For mobile devices, transactions such as mobile online banking, shopping payment, and transfers all face the problem of user identity verification. Some only use user names and passwords to verify, and some use SMS to send verification codes. These methods are very easy. It is intercepted, and the mobile phone is also easy to be stolen. Some users verify the legitimacy of the user's identity through the bank's U-shield or the issuance of an encryption module, which not only increases the difficulty of carrying the user, but also increases the cost of the user.

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