Dynamic cipher method, system and dynamic cipher card

A dynamic password and password card technology, applied in the field of identity authentication, can solve problems such as customer fund loss, achieve security assurance, a good development environment, and avoid fund loss

Inactive Publication Date: 2007-06-27
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

It can be seen that in the authentication of this static payment password, as long as the six-digit password is stolen, it means the loss of customer funds

Method used

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  • Dynamic cipher method, system and dynamic cipher card
  • Dynamic cipher method, system and dynamic cipher card
  • Dynamic cipher method, system and dynamic cipher card

Examples

Experimental program
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Embodiment Construction

[0027] The present invention is a kind of security authentication method that realizes online online payment by using a dynamic password card, and it includes two aspects:

[0028] 1) The dynamic password card is a randomly generated card for customer identity authentication, and its coordinate value is guaranteed uniqueness and randomness through a certain random number generation algorithm;

[0029] SHA1PRNG: It is a random number generation (PRNG) algorithm, which conforms to the IEEEEP1363 standard, uses SHA1 as the basis of PRNG, and calculates the SHA1 hash on a true random seed value, which is combined with a 64-bit counter Connected together, the value is increased by 1 every time the operation is performed. After calculating the SHA1 hash for the true random seed value, only 64 bits are used from the 160-bit SHA1 output.

[0030] 2) By adopting a secure identity authentication mechanism based on Challenge / Response (Challenge / Response), it is guaranteed that the challe...

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PUM

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Abstract

The invention provides a method and system of dynamic PIN and dynamic PIN card, the referred dynamic PIN method includes that a group of dynamic PIN is random generated, each dynamic PIN has the character of uniqueness. The dynamic PIN is stored and the corresponding relation between the each dynamic PIN and a coordinate data is established. When in the course of dynamic PIN confirmation: prompting the coordinate data; inputting the PIN corresponding to the coordinate data; judging whether the referred coordinate data is consistent with the dynamic PIN. If they are identical, then the input dynamic PIN passes the security qualification. The cost of this invention lower than the certification qualification, but the security, operationality is between the certification qualification and static PIN qualification, the security guarantee of payment is fulfilled.

Description

technical field [0001] The invention relates to an identity authentication technology, in particular to a card-based identity authentication technology in a bank system, specifically a dynamic password method, a system and a dynamic password card. Background technique [0002] With the rapid development of banking business, due to the continuous development of network technology, it is possible to use technical means to illegally obtain other people's online banking passwords, for example: using fake websites, fake payment pages, etc. to defraud customers' passwords and other information to steal customer funds the goal of. Therefore, the security of online banking business has attracted people's attention, so it is necessary to introduce a password authentication mechanism with higher security to protect the safety of customers' funds. [0003] In the prior art, two authentication methods are provided for external payment services of personal online banking customers, one ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F7/10G07F7/12G06K19/067G06Q20/00G06Q40/00
Inventor 陈昭旭陈琪马亮张琦丽李秀媛昝星伍宏卫付新丽彭琳曾凯袁丽欧
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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