Security authentication method and device based on instant messaging software

Abstract

The invention provides a security authentication method and device based on instant messaging software. The method comprises the steps of acquiring client information uploaded by a client through theinstant messaging software and a unique OPENID corresponding to the client on the instant messaging software respectively; verifying the customer information, and storing a corresponding relationshipbetween the customer and the OPENID after the verification is passed; receiving a request of a client for obtaining the verification code, and determining the OPENID corresponding to the client obtaining the request of the verification code according to the corresponding relationship between the client and the OPENID; and sending the verification code and the OPENID corresponding to the client acquiring the request of the verification code to the instant messaging software, so that the instant messaging software sends the verification code to the request client acquiring the verification codeaccording to the OPENID corresponding to the client acquiring the request of the verification code. Verification of related financial transactions can be completed, the customer experience is improved, and the convenience of mobile banking transactions is expanded by means of the universality of instant messaging software.

Description

technical field [0001] The invention relates to the field of security authentication, in particular to a security authentication method and device based on instant messaging software. Background technique [0002] As a convenient financial service channel, electronic banking is of great significance to customers, society or the bank itself. For banks, on the one hand, e-banking has become a sharp weapon for banks to stabilize high-quality customers and compete for new customers, which can effectively enhance the core competitiveness of banks. On the other hand, e-banking has effectively diverted the counter business and relieved the pressure of queuing at the counters of outlets. In addition, electronic banking also saves a lot of operating costs. [0003] At present, electronic banking usually includes online banking, mobile banking, and telephone banking. For online banking, most financial transactions in banks only support SMS or SMS + token for security authentication,...

AI Technical Summary

Problems solved by technology

[0003] At present, electronic banking usually includes online banking, mobile banking, and telephone banking. For online banking, most financial transactions in banks only support SMS or SMS + token for security authentication, but it is inconvenient to carry physical tokens with you, and if you are abroad If you can’t receive SMS verification codes when traveling, you can’t carry out related financial transactions (such as transfers). Therefore, the existing security authentication methods still have shortcomings

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