Identity authentication, number storage and sending, number binding method, device and equipment

Abstract

This specification discloses a method, device and equipment for identity authentication, number storage and transmission, and number binding. The method includes: receiving a user identity authentication request sent by a data authentication platform client, wherein the user identity authentication request includes user authentication information and user identification information, and the data authentication platform server pre-stores the user authentication information and the registration number and password corresponding to the user identification information; obtaining the user authentication information pre-stored in the data authentication platform server according to the user identification information; matching the user authentication information in the obtained user identity authentication request with the user authentication information pre-stored in the obtained data authentication platform server; in the case of successful matching, receiving the result of the user's confirmation of obtaining the registration number sent by the data platform client; obtaining the user's registration number and the corresponding password according to the received confirmation result; and sending the obtained user's registration number and the corresponding password to a third-party agency server.

Description

Technical Field

[0001] The present invention relates to the field of Internet financial technology, and in particular to a method, device and equipment for identity authentication, number storage and sending, and number binding. Background Art

[0002] With the development and application of Internet financial technology, more and more users choose to use quick payment when shopping, which improves the user's payment experience. To achieve quick payment, the user's bank card or bank account can be pre-bound to the electronic wallet or the online merchant's cashier server, so that when the user pays for the purchase of goods, there is no need to log in to the online banking, and the bank does not need to do any verification, making online payment extremely simplified and fast. Usually, when binding the user's bank card or bank account to the electronic wallet or the online merchant's cashier server, the user himself needs to be authenticated to verify that the operator is the legal holder of the bank card or bank account.

[0003] There are many ways to authenticate the identity of users. However, in some countries overseas that do not have a central unified ID card system, or in countries where users often change their mobile phone numbers and do not register their real names, or in other similar scenarios, the authentication methods are limited. For example, in these scenarios, commonly used authentication methods such as face recognition and SMS verification codes may not be used. Taking the above-mentioned overseas market scenario as an example, the method of saving the credit card number and expiration date in the e-wallet or the cashier of the online merchant and using 3DS (3 Domain Securety) for identity authentication is more commonly used, although this method can also achieve identity authentication and complete quick payment. However, since this identity authentication method charges fees at each link of the payment path through the acquiring bank, card organization, and issuing bank, the cost of using this identity authentication method is relatively high. Furthermore, the security verification of 3DS is often used by the black industry to deceive the user's security verification code through fraud and other means, causing damage to the user's funds. Therefore, the security of using this identity authentication method is not strong. In addition, this identity authentication method involves many intermediate links, which is troublesome for users to make quick payments, and users will actively give up payment. Therefore, the success rate of payment using this identity authentication method is relatively low. Summary of the invention

[0004] The embodiments of this specification provide a method, device and equipment for identity authentication, number storage and sending, and number binding, which solve or improve the problems of high cost, weak security and low payment success rate caused by the 3DS identity authentication method in the prior art.

[0005] To solve the above technical problems, the embodiments of this specification are implemented as follows:

[0006] An identity authentication method provided in an embodiment of the present specification includes:

[0007] Receiving a user identity authentication request sent by a data authentication platform client, wherein the user identity authentication request includes user authentication information and user identification information, and the data authentication platform server pre-stores the user authentication information and a registration number and a password corresponding to the user identification information;

[0008] Acquire user authentication information pre-stored in the data authentication platform server according to the user identification information;

[0009] Matching the user authentication information in the received user identity authentication request with the user authentication information pre-stored in the acquired data authentication platform server;

[0010] In case of successful matching, receiving the result of the user confirming the acquisition of the registration number sent by the data authentication platform client;

[0011] According to the received confirmation result, obtaining the user's registration number and corresponding password;

[0012] The obtained registration number and corresponding password of the user are sent to the server of a third-party organization.

[0013] An embodiment of the present specification provides a method for storing and sending a number, the method comprising:

[0014] Receive the user's registration number and corresponding password sent by the data authentication platform server;

[0015] Matching the received secret code corresponding to the user's registration number with the pre-stored secret codes sent in batches by the data authentication platform server; wherein the secret codes sent in batches are associated with the pre-stored user identification information;

[0016] In case of successful matching, the received registration number of the user is saved; wherein the saved registration number of the user is associated with the pre-stored user identification information of the user;

[0017] Receiving a user number binding request sent by a third-party institution client, wherein the user number binding request includes user authentication information and user identification information;

[0018] Acquire user authentication information pre-stored in a third-party institution server according to the user identification information;

[0019] Matching the user authentication information in the received user number binding request with the user authentication information pre-stored in the acquired third-party institution server;

[0020] If the match is successful, the user's registration number is obtained based on the user identification information;

[0021] The obtained user registration number is sent to the third-party agency client.

[0022] An embodiment of the present invention provides a method for binding a number, the method comprising:

[0023] Receiving a user number binding request and sending the user number binding request to a third-party agency server; wherein the user number binding request includes user authentication information and user identification information;

[0024] When the third-party server successfully matches the user authentication information, receiving the user's registration number sent by the third-party server;

[0025] The result of the user confirming the button for confirming the bound number is obtained, and the number is bound successfully.

[0026] An embodiment of this specification provides an identity authentication device, which includes:

[0027] Request receiving module, information acquiring module, information matching module, result receiving module, number and password acquiring module and number and password sending module;

[0028] The request receiving module is used to receive a user identity authentication request sent by a data authentication platform client, wherein the user identity authentication request includes user authentication information and user identification information, and the data authentication platform server pre-stores the user authentication information and a registration number and a password corresponding to the user identification information;

[0029] The information acquisition module is used to acquire user authentication information pre-stored in the data authentication platform server according to the user identification information;

[0030] The information matching module is used to match the user authentication information obtained in the user identity authentication request with the user authentication information pre-stored in the obtained data authentication platform server;

[0031] The result receiving module is used to receive the result of the user confirming the acquisition of the registration number sent by the data authentication platform client when the match is successful;

[0032] The number and password acquisition module is used to obtain the user's registration number and corresponding password according to the received confirmation result;

[0033] The number and password sending module is used to send the obtained registration number of the user and the corresponding password to a third-party agency server.

[0034] The embodiment of this specification provides a number storage and sending device, which includes:

[0035] Number and secret code receiving module, secret code matching module, number storage module, request receiving module, information acquisition module, information matching module, number acquisition module and number sending module;

[0036] The number and password receiving module is used to receive the user's registration number and corresponding password sent by the data authentication platform server;

[0037] The password matching module is used to match the password corresponding to the user's registration number received with the pre-stored passwords sent in batches by the data authentication platform server; wherein the passwords sent in batches are associated with the pre-stored user identification information;

[0038] The number saving module is used to save the received registration number of the user in case of successful matching; wherein the saved registration number of the user is associated with the pre-stored user identification information of the user;

[0039] The request receiving module is used to receive a user number binding request sent by a third-party institution client, wherein the user number binding request includes user authentication information and user identification information;

[0040] The information acquisition module is used to acquire user authentication information pre-stored in a third-party institution server according to the user identification information;

[0041] The information matching module is used to match the user authentication information in the received user number binding request with the user authentication information pre-stored in the acquired third-party institution server;

[0042] The number acquisition module is used to acquire the user's registration number according to the user identification information when the match is successful;

[0043] The number sending module is used to send the acquired user registration number to a third-party agency client.

[0044] An embodiment of the present specification provides a device for binding a number, the device comprising:

[0045] Request receiving module, request sending module, number receiving module and result receiving module;

[0046] The request receiving module is used to receive a user's request to bind a number;

[0047] The request sending module is used to send the user number binding request to a third-party agency server; wherein the user number binding request includes user authentication information and user identification information;

[0048] The number receiving module is used to receive the user's registration number sent by the third-party agency server when the third-party agency server successfully matches the user authentication information;

[0049] The result receiving module is used to receive the result of the user confirming the determined binding number, indicating that the binding number is successful.

[0050] An identity authentication device provided in an embodiment of the present specification includes: a memory and a processor, wherein the memory stores a program and is configured such that the processor executes the above-mentioned identity authentication method.

[0051] An embodiment of the present specification provides a number storage and sending device, including: a memory and a processor, wherein the memory stores a program and is configured such that the processor executes the above number storage and sending method.

[0052] An embodiment of the present specification provides a number binding device, including: a memory and a processor, wherein the memory stores a program and is configured such that the processor executes the above-mentioned number binding method.

[0053] The embodiments of this specification provide a system for identity authentication, number storage and sending, and number binding, and the system includes the above-mentioned identity authentication device, number storage and sending device, and number binding device.

[0054] At least one of the above technical solutions adopted in the embodiments of this specification can achieve the following beneficial effects: the data authentication platform and the third-party institution are directly connected, there is no need to participate in the 3DS system of the card organization, no fees are charged for the intermediate transaction links, and the transaction cost is low; there are fewer intermediate transaction links, the transaction path is short, the security is strong, and the payment success rate is high; it solves the pain point of quickly binding cards for identity authentication in countries without a central unified ID card system. BRIEF DESCRIPTION OF THE DRAWINGS

[0055] In order to more clearly illustrate the embodiments of this specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0056] Figure 1 A flowchart of an identity authentication method provided in an embodiment of this specification;

[0057] Figure 2 A flowchart of a method for storing and sending numbers provided in an embodiment of this specification;

[0058] Figure 3 A flowchart of a method for binding a number provided in an embodiment of this specification;

[0059] Figure 4 A schematic diagram of the structure of an identity authentication device provided in an embodiment of this specification;

[0060] Figure 5 A schematic diagram of the structure of a number storage and sending device provided in an embodiment of this specification;

[0061] Figure 6 A schematic diagram of the structure of a number binding device provided in an embodiment of this specification;

[0062] Figure 7 A schematic diagram of the structure of a system for identity authentication, number storage and sending, and number binding provided in an embodiment of this specification. DETAILED DESCRIPTION

[0063] The embodiments of this specification provide a method, device and equipment for identity authentication, number storage and sending, and number binding.

[0064] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the drawings in the embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this application, not all of them. Based on the embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this application.

[0065] In some overseas countries that do not have a central unified ID card system, and in countries where users often change their mobile phone numbers without real-name registration, it is impossible to use the commonly used domestic identity authentication methods such as face recognition and SMS verification codes. In order to solve the above pain points of identity authentication and card binding, this solution makes full use of the bank's channels with trusted identity authentication capabilities, such as bank branches, ATMs, online banking, mobile banking, etc., and turns the card binding operation from a third-party institution into a reverse activation operation from a bank channel with trusted identity authentication capabilities.

[0066] In the following embodiments of this specification, the data authentication platform takes the quick payment partner bank as an example, the third-party institution takes Alipay as an example, and the registration number is the bank card number and / or bank account number.

[0067] Implementation example of quick payment partner bank side:

[0068] Figure 1 A flowchart of an identity authentication method provided in an embodiment of this specification includes:

[0069] Step 105, receiving a user identity authentication request sent by the data authentication platform client, wherein the user identity authentication request includes user authentication information and user identification information, and the data authentication platform server pre-stores the user authentication information and a registration number and a password corresponding to the user identification information;

[0070] In the embodiments of this specification, the user is a customer of a quick payment partner bank or a customer of a third-party institution.

[0071] In the embodiments of this specification, identity authentication using the mobile banking of China Merchants Bank is taken as an example. User Zhang San logs in to the mobile banking of China Merchants Bank and initiates an identity authentication request. The above identity authentication request includes the user authentication information and user identification information of Zhang San logging in to the mobile banking, and the user identification information includes: ID card number, mobile phone number, bank card number or bank account number, and the user authentication information includes password and / or verification code.

[0072] In the embodiment of the present specification, after obtaining the user authentication information and the user identification information, the China Merchants Bank mobile banking client sends the user authentication information and the user identification information to the China Merchants Bank server.

[0073] As an optional implementation method, in the embodiment of this specification, the user Zhang San is a pre-registered user before the data authentication platform client initiates a user identity authentication request. In order to increase the number of users who use the identity authentication method in this technical solution to bind cards, the bank issues red envelopes to pre-registered users. In the embodiment of this specification, before executing step 105, the quick payment partner bank generates a unique and irreversible secret code for one or more bank card numbers and / or bank account numbers of one or more pre-registered users, and sends the generated secret code to the Alipay server in batches. In the embodiment of this specification, China Merchants Bank generates a unique and irreversible secret code for Zhang San's bank card number 6225999878762456 and 6225999878762457 and Li Si's bank card number 6224890999097890, and sends the generated secret code to the Alipay server as an example. The secret code is invisible to the outside world, and neither the user nor anyone else can obtain the content of the secret code. The secret code is encrypted and transmitted to the Alipay server through a dedicated secure network connection (VPN or dedicated line).

[0074] Step 110, obtaining user authentication information pre-stored in the data authentication platform server according to the user identification information;

[0075] In the embodiment of the present specification, the user authentication information of Zhang San, such as a password and / or a verification code, pre-stored in the server of China Merchants Bank is obtained according to the user identification information of Zhang San obtained in step 105.

[0076] As an optional implementation, in the embodiments of this specification, the quick payment partner bank pre-assigns a unique ID corresponding to the user identification information to each customer, and each ID is associated with several bank card numbers and / or several bank account numbers of the customer and the corresponding passwords. Zhang San's ID on the China Merchants Bank server side is 00000000; Zhang San's China Merchants Bank card numbers are 6225999878762456 and 6225999878762457. The above IDs are associated with bank card numbers and corresponding passwords. After step 105, the user authentication information pre-stored in the data authentication platform server is obtained according to the unique ID.

[0077] Step 115, matching the user authentication information in the received user identity authentication request with the user authentication information pre-stored in the acquired data authentication platform server;

[0078] In the embodiment of the present specification, the password and / or verification code obtained in step 105 is matched with the user authentication information of Zhang San obtained in the server of China Merchants Bank in step 110 according to the user identification information of Zhang San.

[0079] Step 120, when the match is successful, receiving the result of the user confirming the acquisition of the registration number sent by the data authentication platform client;

[0080] In the embodiment of the present specification, when the matching operation in step 115 is successful and the user clicks the "Register Number" button, the data authentication platform server obtains the result of the user clicking the "Register Number" button.

[0081] Step 125, obtaining the user's registration number and corresponding password according to the received confirmation result;

[0082] As an optional implementation, each registration number and the corresponding password of the user are obtained; or each registration number of the user is sent to the data authentication platform client and the result of the user selecting the registration number and the password corresponding to the registration number selected by the user are obtained. In the embodiments of this specification, obtaining each registration number and the corresponding password of the user is taken as an example.

[0083] Step 130, sending the obtained registration number of the user and the corresponding password to a third-party agency server.

[0084] In the embodiment of this specification, the quick payment partner bank automatically sends the bank card number and corresponding password and / or bank account number and corresponding password of the pre-registered user that needs to be saved on the third-party institution server to the third-party institution server. Further, in the embodiment of this specification, the bank card number 6225999878762456 and corresponding password of Zhang San and the bank card number 6225999878762457 and corresponding password are sent to the Alipay server.

[0085] Compared with the prior art, the technical solution adopted in the embodiments of this specification can achieve the following beneficial effects: banks and Alipay are directly connected, there is no need to participate in the 3DS system of the card organization, no fees are required for intermediate transaction links, and the transaction cost is low; there are fewer intermediate transaction links, the transaction path is short, the security is strong, and the payment success rate is high; it solves the pain point of quick card binding for identity authentication in countries without a central unified ID card system; pre-registered users can receive red envelopes, and both banks and Alipay can make full use of their respective channel advantages to ensure that quick payment has a relatively high guarantee for customer acquisition promotion, customer conversion rate and card binding success rate.

[0086] Implementation example on the server side of a third-party organization:

[0087] Figure 2 A flowchart of a method for storing and sending a number provided in an embodiment of this specification includes:

[0088] Step 205, receiving the user's registration number and corresponding password sent by the data authentication platform server;

[0089] In the embodiment of the present specification, the China Merchants Bank server receives Zhang San's bank card numbers 6225999878762456 and 6225999878762457, and also receives the secret codes corresponding to Zhang San's two bank card numbers.

[0090] As an optional implementation, before step 205, the China Merchants Bank server receives the secret codes generated by the data authentication platform server according to one or more registration numbers of one or more of the users. In the embodiment of this specification, secret codes generated by Zhang San's bank card numbers 6225999878762456 and 6225999878762457 and secret codes generated by Li Si's bank card number 6224890999097890 are received.

[0091] Step 210, matching the received secret code corresponding to the user's registration number with the secret codes sent in batches by the pre-stored data authentication platform server; wherein the secret codes sent in batches are associated with the pre-stored user identification information;

[0092] In the embodiment of the present specification, the secret code corresponding to Zhang San's bank card number 6225999878762456 and the secret code corresponding to bank card number 6225999878762457 received in step 205 are matched with the secret codes sent in batches by the data authentication platform server pre-stored in the Alipay server.

[0093] Step 215, if the match is successful, saving the received registration number of the user; wherein the saved registration number of the user is associated with the pre-stored user identification information of the user;

[0094] In the embodiment of the present specification, when the matching operation in step 210 is successful, the received bank card numbers 6225999878762456 and 6225999878762457 of Zhang San are saved under the user identification information of Zhang San.

[0095] Step 220, receiving a user number binding request sent by a third-party institution client, wherein the user number binding request includes user authentication information and user identification information;

[0096] In the embodiment of this specification, Zhang San logs in to the Alipay client and initiates a number binding request. The above number binding request includes the user authentication information and user identification information of Zhang San logging in to the Alipay client, and the user identification information includes: mobile phone number or ID card number, and the user authentication information includes password and / or verification code.

[0097] Step 225, obtaining user authentication information pre-stored in a third-party institution server according to the user identification information;

[0098] In the embodiment of the present specification, based on the user identification information of Zhang San who logs into the Alipay client, such as the mobile phone number or the ID card number, the user authentication information registered by Zhang San in the Alipay server is obtained.

[0099] As an optional implementation, in the embodiment of this specification, the Alipay server pre-stores a unique ID corresponding to Zhang San's user identification information; and the user authentication information of Zhang San pre-stored in the Alipay server is obtained according to the unique ID.

[0100] Step 230, matching the user authentication information in the received user number binding request with the user authentication information pre-stored in the acquired third-party institution server;

[0101] In the embodiment of the present specification, the mobile phone number or ID number and password and / or verification code in the binding number request received in step 210 are matched with the mobile phone number or ID number and password and / or verification code of Zhang San pre-stored in the Alipay server.

[0102] Step 235, if the match is successful, obtain the user's registration number based on the user identification information;

[0103] In the embodiment of the present specification, when the user authentication information matches successfully, the bank card numbers of Zhang San are obtained as 6225999878762456 and 6225999878762457 according to Zhang San's user identification information, such as mobile phone number or ID card number.

[0104] As an optional implementation, in the embodiment of this specification, Zhang San's ID in the Alipay server is 000000. According to Zhang San's ID, Zhang San's bank card numbers are 6225999878762456 and 6225999878762457.

[0105] Step 240: Send the acquired user registration number to a third-party agency client.

[0106] In the embodiment of this specification, the bank card numbers 6225999878762456 and 6225999878762457 of Zhang San obtained in step 235 are sent to the Alipay client.

[0107] Implementation example on the client side of a third-party organization:

[0108] Figure 3 A flowchart of a method for binding a number provided in an embodiment of this specification includes:

[0109] Step 305, receiving a user number binding request and sending the user number binding request to a third-party agency server; wherein the user number binding request includes user authentication information and user identification information;

[0110] In the embodiment of this specification, the user initiates a number binding request in the Alipay client. The above number binding request includes user authentication information and user identification information, and the user identification information includes a mobile phone number or an ID card number, and the user authentication information includes a password and / or a verification code. The Alipay client sends the above user authentication information and user identification information to the Alipay server.

[0111] Step 310, when the third-party server successfully matches the user authentication information, receiving the user registration number sent by the third-party server;

[0112] As an optional implementation, a registration number selected by a user is received from a third-party server; or each registration number of a user is received from a third-party server and a result of the user selecting the registration number is obtained.

[0113] In the embodiment of the present specification, when the Alipay server successfully matches the user authentication information, the Alipay server receives Zhang San's bank card numbers 6225999878762456 and 6225999878762457. The bank card numbers 6225999878762456 and 6225999878762457 are displayed on the Alipay client interface.

[0114] As an optional implementation, in the embodiment of this specification, when Zhang San selects the bank card number 6225999878762456, the Alipay client receives the result of Zhang San's selection of the bank card number 6225999878762456.

[0115] Step 315, receiving the result of the user confirming the binding number, and the number is bound successfully.

[0116] In the embodiment of the present specification, when Zhang San clicks the "Confirm Binding Number" button, the Alipay client receives the result of Zhang San clicking the "Confirm Binding Number" button, and the number is successfully bound.

[0117] As an optional implementation, when Zhang San clicks the "Cancel Binding Number" button, the Alipay client receives the result of Zhang San clicking the "Cancel Binding Number", and the binding of the number is unsuccessful.

[0118] Figure 4 A schematic diagram of the structure of an identity authentication device provided in an embodiment of the present specification, the schematic diagram of the structure includes: a request receiving module 405, an information obtaining module 410, an information matching module 415, a result confirmation module 420, a number and password obtaining module 425 and a number and password sending module 430;

[0119] The request receiving module 405 is used to receive a user identity authentication request sent by a data authentication platform client, wherein the user identity authentication request includes user authentication information and user identification information, and the data authentication platform server pre-stores the user authentication information and a registration number and a password corresponding to the user identification information;

[0120] The information acquisition module 410 is used to acquire user authentication information pre-stored in the data authentication platform server according to the user identification information;

[0121] The information matching module 415 is used to match the user authentication information obtained in the user identity authentication request with the user authentication information pre-stored in the obtained data authentication platform server;

[0122] The result confirmation module 420 is used to receive the result of the user confirming the acquisition of the registration number sent by the data authentication platform client when the match is successful;

[0123] The number and password acquisition module 425 is used to acquire the user's registration number and corresponding password according to the received confirmation result;

[0124] The number and password sending module 430 is used to send the obtained registration number of the user and the corresponding password to a third-party agency server.

[0125] Optionally, the number and password acquisition module is specifically used to obtain each registration number and the corresponding password of the user; or to send each registration number of the user obtained to the data authentication platform client and obtain the result of the user's selection of the registration number and the password corresponding to the registration number selected by the user.

[0126] Optionally, the user is a pre-registered user; the device further comprises: a secret code generation module and a secret code sending module; the secret code generation module is used to generate a unique and irreversible secret code from one or more registration numbers of one or more pre-registered users before the request receiving module receives the user identity authentication request sent by the data authentication platform client;

[0127] The secret command sending module is used to send the generated secret commands in batches to the third-party organization server.

[0128] Optionally, the data authentication platform server pre-stores a unique ID corresponding to the user identification information; the information acquisition module is also used to obtain the user authentication information pre-stored in the data authentication platform server according to the unique ID after the request receiving module receives the user identity authentication request sent by the data authentication platform client.

[0129] Figure 5 A schematic diagram of the structure of a number storage and sending device provided in an embodiment of the present specification, the schematic diagram of the structure includes: a number and secret code receiving module 505, a secret code matching module 510, a number storage module 515, a request receiving module 520, an information acquisition module 525, an information matching module 530, a number acquisition module 535 and a number sending module 540;

[0130] The number and password receiving module 505 is used to receive the user's registration number and corresponding password sent by the data authentication platform server;

[0131] The password matching module 510 is used to match the password corresponding to the user's registration number received with the pre-stored passwords sent in batches by the data authentication platform server; wherein the batch sent passwords are associated with the pre-stored user identification information;

[0132] The number saving module 515 is used to save the received registration number of the user in case of successful matching; wherein the saved registration number of the user is associated with the pre-stored user identification information of the user;

[0133] The request receiving module 520 is used to receive a user number binding request sent by a third-party institution client, wherein the user number binding request includes user authentication information and user identification information;

[0134] The information acquisition module 525 is used to acquire user authentication information pre-stored in a third-party institution server according to the user identification information;

[0135] The information matching module 530 is used to match the user authentication information in the received user number binding request with the user authentication information pre-stored in the acquired third-party institution server;

[0136] The number acquisition module 535 is used to acquire the user's registration number according to the user identification information when the match is successful;

[0137] The number sending module 540 is used to send the acquired user registration number to a third-party agency client.

[0138] Optionally, the third-party agency server pre-stores a unique ID corresponding to the user identification information;

[0139] The information acquisition module 525 is also used to obtain the user authentication information pre-stored in the third-party agency server according to the unique ID after the request receiving module receives the user number binding request sent by the third-party agency client.

[0140] Optionally, the number and password receiving module 505, before receiving the user's registration number and corresponding password sent by the data authentication platform server, is also used to receive the password generated by the data authentication platform server according to one or more registration numbers of one or more users.

[0141] Figure 6 A schematic diagram of the structure of a number binding device provided in an embodiment of the present specification, the schematic diagram of the structure includes: a request receiving module 605, a request sending module 610, a number receiving module 615 and a result confirmation module 620;

[0142] The request receiving module 605 is used to receive a user's request to bind a number;

[0143] The request sending module 610 is used to send the user number binding request to a third-party agency server; wherein the user number binding request includes user authentication information and user identification information;

[0144] The number receiving module 615 is used to receive the user's registration number sent by the third-party agency server when the third-party agency server successfully matches the user authentication information;

[0145] The result confirmation module 620 is used to receive the result of the user confirming the binding number, and the binding number is successful.

[0146] Optionally, the number receiving module 615 is specifically used to receive a registration number selected by a user sent by a third-party agency server; or receive each registration number of a user sent by a third-party agency server and obtain a result of the user selecting the registration number.

[0147] Optionally, the device further comprises: a result confirmation module, configured to receive a result of the user confirming the cancellation of the binding number after the number receiving module receives the user's registration number sent by the third-party agency server, and the binding number is unsuccessful.

[0148] An identity authentication device provided by an embodiment of the present specification includes: a memory and a processor, the memory stores a program, and is configured to be executed by the processor to receive a user identity authentication request sent by a data authentication platform client, wherein the user identity authentication request includes user authentication information and user identification information, and the data authentication platform server pre-stores the user authentication information and a registration number and a password corresponding to the user identification information; obtains the user authentication information pre-stored in the data authentication platform server according to the user identification information; matches the user authentication information in the obtained user identity authentication request with the obtained user authentication information pre-stored in the data authentication platform server; in case of successful matching, receives the result of the user's confirmation of the obtained registration number sent by the data authentication platform client; obtains the user's registration number and the corresponding password according to the received confirmation result; and sends the obtained registration number and the corresponding password of the user to a third-party agency server.

[0149] A number storage and sending device provided in an embodiment of the present specification includes: a memory and a processor, wherein the memory stores a program and is configured to be executed by the processor to receive a user's registration number and a corresponding password sent by a data authentication platform server; match the password corresponding to the received registration number of the user with the pre-stored password sent in batches by the data authentication platform server; wherein the batch-sent password is associated with the pre-stored user identification information; in case of successful matching, save the received registration number of the user; wherein the saved registration number of the user is associated with the pre-stored user identification information of the user; receive a user number binding request sent by a third-party agency client, wherein the user number binding request includes user authentication information and user identification information; obtain the user authentication information pre-stored in the third-party agency server according to the user identification information; match the user authentication information in the received user number binding request with the obtained user authentication information pre-stored in the third-party agency server; in case of successful matching, obtain the user's registration number according to the user identification information; and send the obtained user registration number to the third-party agency client.

[0150] A number binding device provided in an embodiment of the present specification includes: a memory and a processor, wherein the memory stores a program and is configured to receive a user number binding request and send the user number binding request to a third-party agency server by the processor; wherein the user number binding request includes user authentication information and user identification information; when the third-party agency server successfully matches the user authentication information, receiving the user's registration number sent by the third-party agency server; receiving the result of the user's confirmation of the determined binding number, and the number binding is successful.

[0151] Figure 7 The present invention provides a structural diagram of a system for identity authentication, number storage and sending, and number binding according to an embodiment of the present specification. The structural diagram includes: an identity authentication device 705, a number storage and sending device 710, and a number binding device 715.

[0152] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0153] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0154] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0155] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0156] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0157] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0158] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0159] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0160] The above are only embodiments of this specification and are not intended to limit this specification. For those skilled in the art, this specification may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this specification should be included in the scope of the claims of this specification.

Claims

1. An identity authentication method, the method comprising: Generate a unique and irreversible secret code from one or more registration numbers of one or more pre-registered users; Sending the generated secret codes in batches to a third-party agency server via a dedicated secure network connection; Receiving a user identity authentication request sent by a data authentication platform client, wherein the user identity authentication request includes user authentication information and user identification information; Acquire user authentication information pre-stored in the data authentication platform server according to the user identification information; Matching the user authentication information in the user identity authentication request with the user authentication information in the data authentication platform server; When the match is successful, receiving the result of the user confirming the acquisition of the registration number sent by the data authentication platform client; the user is the pre-registered user; According to the received confirmation result, obtaining a registration number and a secret code corresponding to the user identification information; The obtained registration number and password are sent to the third-party agency server; the third-party agency server is used to match the password corresponding to the received registration number of the user with the pre-stored password sent in batches by the data authentication platform server, and after a successful match, the registration number of the user is associated with the pre-stored user identification information of the user and saved; wherein the batch-sent password is associated with the pre-stored user identification information of the user.

2. According to the method of claim 1, before receiving the user identity authentication request sent by the data authentication platform client, the method further comprises: Receiving a secret code generated by the data authentication platform server according to one or more bank card numbers and / or bank account numbers of one or more users; The data authentication platform server also pre-assigns a unique ID corresponding to the user identification information of each user, and each unique ID is associated with one or more bank card numbers and / or bank account numbers and corresponding passwords of the user.

3. According to the method of claim 1, the step of obtaining a registration number and a password corresponding to the user identification information comprises: Obtaining each registration number and password corresponding to the user identification information of the user; or Each of the obtained registration numbers of the user is sent to the data authentication platform client, and the result of the user's selection of the registration number and the secret code corresponding to the registration number selected by the user are obtained.

4. According to the method of claim 1, the data authentication platform server pre-stores a unique ID corresponding to the user identification information; After receiving the user identity authentication request sent by the data authentication platform client, the method further includes: The user authentication information pre-stored in the data authentication platform server is obtained according to the unique ID.

5. A method for storing and sending a number, the method comprising: Receive the user's registration number and corresponding password sent by the data authentication platform server; Matching the received secret code corresponding to the user's registration number with the pre-stored secret codes sent in batches by the data authentication platform server; When the match is successful, the received registration number of the user is saved; Receiving a user number binding request sent by a third-party institution client, wherein the user number binding request includes user authentication information and user identification information; Matching the user authentication information in the received user number binding request with the user authentication information pre-stored in the acquired third-party institution server; When the match is successful, the user's registration number is obtained according to the user identification information; The obtained user registration number is sent to the third-party agency client.

6. The method according to claim 5, wherein the third-party agency server pre-stores a unique ID corresponding to the user identification information; After receiving the user number binding request sent by the third-party organization client, the method further includes: The user authentication information pre-stored in the third-party organization server is obtained according to the unique ID.

7. According to the method of claim 6, before receiving the user's registration number and the corresponding password sent by the data authentication platform server, the method further comprises: The receiving data authentication platform server generates secret codes respectively according to one or more registration numbers of one or more users.

8. A method for binding a number, the method comprising: Receiving a user number binding request and sending the user number binding request to a third-party organization server, wherein the user number binding request includes user authentication information and user identification information; When the third-party server successfully matches the user authentication information, the registration number of the user sent by the third-party server is received; the third-party server is used to match the secret code corresponding to the received registration number of the user with the secret code sent in batches by the pre-stored data authentication platform server; The result of the user confirming the determined binding number is received, and the number is bound successfully.

9. The method according to claim 8, wherein receiving the user's registration number sent by the third-party organization server comprises: Receive the registration number selected by the user from the server of the third-party organization; or Receive each registration number of the user sent by the third-party organization server and obtain the result of the user selecting the registration number.

10. The method according to claim 8, after receiving the user's registration number sent by the third-party organization server, the method further comprises: A result of the user confirming the cancellation of the binding number is received, indicating that the binding number is unsuccessful.

11. An identity authentication device, comprising: A secret code generation module, used to generate a unique and irreversible secret code from one or more registration numbers of one or more pre-registered users; A secret command sending module, used to send the generated secret commands in batches to a third-party agency server via a dedicated secure network connection; A request receiving module, used to receive a user identity authentication request sent by a data authentication platform client, wherein the user identity authentication request includes user authentication information and user identification information; An information acquisition module, used to acquire user authentication information pre-stored in a data authentication platform server according to the user identification information; An information matching module, used to match the user authentication information in the user identity authentication request with the user authentication information in the data authentication platform server; A result receiving module, used for receiving the result of the user confirming the acquisition of the registration number sent by the data authentication platform client after the match is successful; the user is the pre-registered user; A number and password acquisition module, used to acquire the registration number and password corresponding to the user identification information according to the received confirmation result; A number and password sending module is used to send the obtained registration number and password to the third-party agency server; the third-party agency server is used to match the password corresponding to the registration number of the user received with the password sent in batches by the pre-stored data authentication platform server, and after a successful match, the registration number of the user is associated with the pre-stored user identification information of the user and saved; wherein the batch-sent password is associated with the pre-stored user identification information of the user.

12. The device according to claim 11, wherein the request receiving module is further configured to: Before receiving the user identity authentication request sent by the data authentication platform client, receiving a secret code generated by the data authentication platform server according to one or more bank card numbers and / or bank account numbers of one or more users; The data authentication platform server also pre-assigns a unique ID corresponding to the user identification information of each user, and each unique ID is associated with one or more bank card numbers and / or bank account numbers and corresponding passwords of the user.

13. The device according to claim 11, wherein the number and password acquisition module is specifically used for: Obtaining each registration number and password corresponding to the user identification information of the user; or Each of the obtained registration numbers of the user is sent to the data authentication platform client, and the result of the user's selection of the registration number and the secret code corresponding to the registration number selected by the user are obtained.

14. A number storage and sending device, the device comprising: The number and password receiving module is used to receive the user's registration number and corresponding password sent by the data authentication platform server; A password matching module, used to match the password corresponding to the user's registration number received with the pre-stored passwords sent in batches by the data authentication platform server; A number saving module, used to save the received registration number of the user when the match is successful; A request receiving module, used to receive a user number binding request sent by a third-party institution client, wherein the user number binding request includes user authentication information and user identification information; An information matching module, used to match the user authentication information in the received user number binding request with the user authentication information pre-stored in the acquired third-party institution server; The number acquisition module is used to obtain the user's registration number according to the user identification information when the match is successful; The number sending module is used to send the acquired user's registration number to the third-party agency client.

15. According to the device of claim 14, the number and password receiving module, before receiving the user's registration number and corresponding password sent by the data authentication platform server, is also used to receive the password generated by the data authentication platform server according to one or more registration numbers of one or more of the users.

16. A number binding device, the device comprising: A request receiving module, used to receive a user's request to bind a number; A request sending module, used to send the user number binding request to a third-party agency server, wherein the user number binding request includes user authentication information and user identification information; The number receiving module is used to receive the user's registration number sent by the third-party agency server after the third-party agency server successfully matches the user authentication information; the third-party agency server is used to match the secret code corresponding to the received user's registration number with the secret code sent in batches by the pre-stored data authentication platform server; The result receiving module is used to receive the result of the user confirming the determined binding number, indicating that the binding number is successful.

17. The device according to claim 16, wherein the number receiving module is specifically configured to: Receive the user's selected registration number from a third-party server; or Receive each registration number of the user sent by the third-party organization server and obtain the result of the user selecting the registration number.

18. The device according to claim 16, wherein the result receiving module is further configured to: After receiving the user's registration number sent by the third-party organization server, the result of the user's confirmation on canceling the binding number is received, and the binding number is unsuccessful.

19. A system for identity authentication, number storage and sending, and number binding, the system comprising the identity authentication device described in any one of claims 11 to 13, the number storage and sending device described in any one of claims 14-15, and the number binding device described in any one of claims 16 to 18.

20. An identity authentication device, comprising: A memory and a processor, wherein the memory stores a program and is configured such that the processor executes the identity authentication method according to any one of claims 1 to 4.

21. A number storage and sending device, comprising: A memory and a processor, wherein the memory stores a program and is configured such that the processor executes the number storage and sending method according to any one of claims 5 to 7.

22. A number binding device, comprising: A memory and a processor, wherein the memory stores a program and is configured such that the processor executes the number binding method according to any one of claims 8 to 10.

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