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Two-factor dynamic cipher verification method and system

A dynamic password and two-factor technology, which is applied in business, instrumentation, data processing applications, etc., can solve the problems of RSA authentication token cost, inconvenient use of dynamic password, time drift between authentication token and central authentication server, etc. , to achieve the effect of strong confidentiality, high security and low cost

Inactive Publication Date: 2006-08-02
韩林 +3
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Problems solved by technology

[0016] The purpose of the present invention is to: aim at the deficiencies and problems existing in several methods for determining the client's identity during current online transactions, especially the time drift between the authentication token of the user end and the central end authentication server that the dynamic password mode exists, and must Frequent corrections, and RSA authentication tokens are difficult to promote due to cost issues, and it is inconvenient to provide a limited number of dynamic passwords at one time. A new two-factor dynamic password authentication for determining the identity of customers in online transactions is provided. method and system

Method used

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Embodiment Construction

[0033] The accompanying drawing discloses a specific system for realizing the two-factor dynamic password authentication method without limitation, and a structural principle block diagram of the login authentication server. The present invention will be further described below in conjunction with the accompanying drawings.

[0034] Depend on figure 1 It can be seen that the specific system for realizing the two-factor dynamic password authentication method is the same as the traditional online transaction system, including: user computer 1, network server 3, network customer information database server 5 and terminal 4, the difference is: also includes login authentication server 6, base station 8 and user's mobile phone, network server 3 is connected with network customer data database server 5 by data wire by login authentication server 6, and base station 8 sends the note data that contains random password that login authentication server 6 produces to user's mobile phone. ...

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Abstract

Present invention relates to a double-factor dynamical cryptographic certification method and system. It contains user applying accreditation on network service mechanism, storing customer identification code, user's message receiving number and client password on network client documentation data base, inputting customer identification code through subscriber computer and obtaining random cipher through message, user inputting client password and random cipher into subscriber computer to make single direction encryption operation, transmitting result to logging authenticating server, logging authenticating server also proceeding single direction encryption operation to client password and random cipher and comparing two results, confirming user identity and termination receiving user's operational order. Said system also includes subscriber computer, web server, network client documentation data base server and termination, logging authenticating server, base station, and user handset.

Description

technical field [0001] The invention relates to an authentication method and system for determining customer identity in online transactions, in particular to a method and system for authentication of two-factor dynamic passwords based on mobile phone short messages during online transactions. Background technique [0002] At present, with the rapid development of Internet technology, online transactions have penetrated into people's daily life and work, the most representative applications of which are "online banking" and "online securities". For example, "online banking" is a brand-new bank customer service submission channel. Customers can manage their own assets through the Internet, including inquiry, transfer, payment and other banking services, whether at home, in the office, or on the go. However, the security problem of online banking is also becoming more and more prominent. The customer's user identification code (such as account number) and passwords are easily ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/00
Inventor 韩林徐哲彭韬彭博
Owner 韩林
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