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Bank card password generation method, verification method, device and system

A banking system and bank card technology, which is applied in the verification of financial systems, the generation and verification method of bank card passwords and the system field, can solve the problems of poor customer experience, insufficient coordination of bank back-end systems, and restriction of customer service diversity, etc. achieve the effect of improving the security level

Active Publication Date: 2021-06-04
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0017] 1. Customers can only set a correct password for the certificate, which restricts the diversity of customer services
[0018] 2. Insufficient cooperation between the bank's background systems and poor customer experience
The current situation that only one correct password can be set for the certificate has become the biggest technical obstacle for banks to provide customers with diversified services

Method used

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  • Bank card password generation method, verification method, device and system
  • Bank card password generation method, verification method, device and system
  • Bank card password generation method, verification method, device and system

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Embodiment Construction

[0069] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. 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.

[0070] Those skilled in the art know that the embodiments of the present invention can be implemented as a system, device, device, method or computer program product. Therefore, the present disclosure may be embodied in the form of complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0071] The principle and spirit of the present invention will be explained in detail below w...

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PUM

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Abstract

The invention provides a bank card password generation method, verification method, equipment and system, and relates to the technical field of financial security. The generating method includes: obtaining the client's voucher number and a password block, the voucher number being the number of a voucher, the voucher being a debit card or a credit card or a bankbook, and the password block being the input of the client through a terminal. The password of the credential is obtained after being encrypted with the first key, and the number of the password is greater than 1; the preset second key is obtained; according to the number of the password, the second key, and the credential number and the cipher block outputs verification data corresponding to multiple ciphers of the credential. Realized the function of setting multiple correct passwords for one credential, providing customers with personalized passwords.

Description

technical field [0001] The present invention relates to the security field of the financial system, in particular to the verification technology and application of the financial system, specifically a method and system for generating and verifying bank card passwords. Background technique [0002] This section is intended to provide a background or context for implementations of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] At present, banks have the same verification process for their issued vouchers (such as debit cards, credit cards, passbooks, etc.). The following takes debit cards as an example to introduce in detail: [0004] 1. Debit card password generation process [0005] Such as figure 1 As shown, the input elements include: the debit card number PAN, the password block PINBLOCK input by the customer, the key PVK used to generate and verify the customer password, and...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): H04L9/32H04L9/08
CPCH04L9/0863H04L9/3226H04L2209/56
Inventor 王天石
Owner BANK OF CHINA