Financial information interaction method and device, equipment and storage medium

An interaction method and financial transaction technology, applied in the field of devices, equipment and storage media, and financial information interaction methods, and can solve problems such as inability to solve network security problems

Active Publication Date: 2019-09-24
上海方付通科技服务股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

When remotely applying for bank electronic accounts, especially credit card accounts, the "three relatives principle" cannot be satisfied, so how to remotely verify the user's identity information will become increasin

Method used

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  • Financial information interaction method and device, equipment and storage medium
  • Financial information interaction method and device, equipment and storage medium
  • Financial information interaction method and device, equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0040] This embodiment provides a method for interacting with financial information, which is applicable to the situation where a user handles financial business remotely through a mobile terminal, especially the situation where the user is authenticated when remotely handling financial business. This method can be provided by the embodiment of the present invention. The financial information interaction device applied to the mobile terminal installed with the SIMeID card can be implemented by means of software and / or hardware, and can generally be integrated in the mobile terminal.

[0041] eID (electronic Identity) is based on cryptographic technology, with smart chips as the carrier, and is issued to citizens by the "Ministry of Public Security Citizen Network Identity Identification System". A universal network electronic identity that remotely identifies identities. eID is actually the binding of people and security equipment, which belongs to the agency of electronic sig...

Embodiment 2

[0068] On the basis of the above technical solution, a financial information interaction method provided by this embodiment can establish a secure transmission channel between the mobile terminal and the financial server based on the SIMeID card in the mobile terminal. Specifically, the above financial information interaction method It also includes: if the secure transmission channel establishment request is obtained, sending request data related to the secure transmission channel establishment request to the financial server;

[0069] receiving the server certificate information returned by the financial server and the negotiation data matching the request data;

[0070] If the security verification of the server certificate information is successful, then request the SIMeID card to sign a randomly generated random number, read the public key information of the SIMeID card, and combine the public key information of the SIMeID card with the The signed random number is sent to...

Embodiment 3

[0075] On the basis of the above technical solution, a financial information interaction method provided by this embodiment can sign and / or encrypt and decrypt the interaction data based on the SIMeID card in the mobile terminal during the financial transaction process, so as to improve the remote handling of financial information. Security of information exchanged during business processes. Specifically, the interaction method of the above-mentioned financial information also includes:

[0076] During the financial transaction, requesting the SIMeID card to perform signature processing and / or encryption processing on the financial transaction data according to preset protocol rules, and sending the signed and / or encrypted financial transaction data to the financial server, so that the financial server requests the eID service provider to perform signature verification processing and / or decryption processing on the financial transaction data according to preset protocol rules ...

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Abstract

The invention discloses a financial information interaction method and device, equipment and a storage medium. The method comprises: if business association authentication information matched with a financial business handling request is obtained, sending the business association authentication information to a financial server to enable the financial server to generate to-be-signed information, sending the to-be-signed information to an eID service provider, and the to-be-signed information being used for the eID service provider to generate a signature instruction; when a signature instruction is received, obtaining and sending a password input by a user to the SIMeID card to be matched with the eID signature password, and after matching is passed, signing the to-be-signed information; sending the to-be-authenticated information matched with the signature result to an eID service provider, so that the eID service provider generates an authentication result and sends the authentication result to a financial server, and then the financial server executes subsequent financial operation; and receiving a processing result fed back by the financial server. The method optimizes the identity verification scheme when the user remotely handles the financial business in the prior art, and is more convenient, simpler and safer.

Description

technical field [0001] The embodiments of the present invention relate to the field of financial technology, and in particular, relate to a financial information interaction method, device, device, and storage medium. Background technique [0002] With the advancement of science and technology, the banking service model is also undergoing a new transformation. It is integrating the convenience of remote channels and the face-to-face service of counter channels. Remote channels are not only a beneficial supplement to the service resources of physical outlets, but also the main reason for diverting customers from outlets. carrier. [0003] When opening a bank electronic account, especially a credit card account, through the counter channel, it is necessary to abide by the "three-in-person principle", that is, to see the person, the signature, and the original application materials to verify the authenticity. I take pictures and record. When remotely applying for bank electro...

Claims

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Application Information

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IPC IPC(8): H04L29/06H04L9/32
CPCH04L9/3247H04L63/08H04L63/0853
Inventor 闵晓琼
Owner 上海方付通科技服务股份有限公司
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