Browser Online Banking Login NPAPI Certificate Management
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Solution Overview
Problem
Online banking security is compromised by Trojan horse viruses, hacker attacks, and phishing websites, requiring users to perform complex and insecure login processes through web navigation websites.
Innovation Solution
A browser-based method and system that pre-stores online banking website addresses and manages certificates/plugins using NPAPI, automatically identifying online banking websites and performing login with corresponding certificates/plugins, thereby simplifying and securing the login process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users manually access online banking through web navigation websites, then they can reach the banking site, but the login process becomes complex and time-consuming with additional operation steps
Solution Approach 1:
The patent pre-stores online banking website addresses in the browser, allowing users to directly access banking sites without manually navigating through web navigation websites. This preliminary preparation of banking URL addresses eliminates the need for users to search and click through multiple pages, significantly reducing login steps and time
Solution Approach 2:
The patent extracts and isolates the essential function of online banking access from the complex web navigation process. By creating a dedicated quick access entry that directly points to banking websites, it removes the unnecessary intermediate steps of browsing navigation sites, leaving only the essential banking login function
2Reliability
If users manually install certificates and plugins for online banking, then they can access banking functions, but security vulnerabilities remain and the process is complex
Solution Approach 1:
The patent implements automatic detection and installation of certificates and plugins through the browser itself. When users access online banking websites, the browser automatically detects what components are needed and installs them without requiring user intervention in the complex installation process, while maintaining security through automatic verification
Solution Approach 2:
The patent introduces the browser as an intermediary that manages the installation and configuration of certificates and plugins between the user and the banking website. This intermediary automatically handles the complex installation process, verifies security requirements, and configures components appropriately, reducing both complexity and security risks
3Ease of operation
If users access online banking through web navigation websites, then they can reach banking sites, but they may accidentally access phishing websites
Solution Approach 1:
The patent pre-stores verified online banking website addresses in the browser, establishing a trusted list of legitimate banking sites before users need to access them. This preliminary verification and storage of authentic banking URLs eliminates the risk of users being redirected to phishing websites through untrusted navigation sites
Solution Approach 2:
The patent takes preliminary anti-action by pre-configuring the browser with authentic banking website addresses and security certificates before users attempt to access banking sites. This advance preparation creates a security barrier that prevents phishing attacks, as the browser will only allow access to pre-verified legitimate banking websites rather than any site the user might click on
Data Source
AI summary
The present disclosure discloses method and browser for online banking login, solving the problems of complex and trivial steps and insecurity of online banking login via web navigation websites. The method comprises: pre-storing and managing online banking website addresses on a browser side and managing the certificates and/or online banking plugins corresponding to the online banking in the form of NPAPI; judging whether the current website address accessed by a user in the browser is an online banking website address, based on the stored online banking website addresses; when it is one of the stored online banking website addresses, using the NPAPI to call the corresponding online banking certificate and/or online banking plugin to perform online banking login. The embodiments of the present disclosure decrease steps and enhance security to log in to online banking.