Data Transfer Verification Using Card-Binding Time Validity
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Solution Overview
Problem
Existing methods for online data transfer verification, such as payment password and SMS verification, increase processing complexity and affect the operating efficiency of terminals, leading to slower performance and increased complexity in security verification processes.
Innovation Solution
A method and system that utilize a data transfer server to verify a user's card identifier and password, determining if the current time is within the valid card-binding period, allowing the terminal to skip a second verification interface and directly enter a data transfer confirmation interface if valid, thereby simplifying the verification process and enhancing efficiency.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If payment password verification and SMS verification code verification are both performed during data transfer, then security verification is improved, but processing complexity and terminal operating efficiency deteriorate
Solution Approach 1:
The patent applies preliminary action by performing SMS verification during the card binding process in advance, so that when data transfer is needed later, the verification has already been completed. This eliminates the need for repeated verification steps during data transfer operations.
Solution Approach 2:
The patent implements the skipping principle by allowing the system to bypass the second verification interface when the current time is within the valid period of card-binding time. This enables rapid data transfer without redundant verification steps while maintaining security.
2Reliability
If payment password verification and SMS verification code verification are both performed during data transfer, then security verification is improved, but terminal operating efficiency deteriorates
Solution Approach 1:
The patent applies preliminary action by performing SMS verification during the card binding process in advance, so that when data transfer is needed later, the verification has already been completed. This eliminates the need for repeated verification steps during data transfer operations.
Solution Approach 2:
The patent implements the skipping principle by allowing the system to bypass the second verification interface when the current time is within the valid period of card-binding time. This enables rapid data transfer without redundant verification steps while maintaining security.
3Speed
If card-binding time valid period is implemented, then verification speed is improved, but security verification completeness may deteriorate
Solution Approach 1:
The patent applies preliminary action by performing SMS verification during the card binding process in advance, so that when data transfer is needed later, the verification has already been completed. This eliminates the need for repeated verification steps during data transfer operations.
Solution Approach 2:
The patent implements feedback by establishing a valid period for card-binding time that provides feedback on when verification is still needed. The system uses this time-based feedback to determine whether to skip verification or require it, balancing speed and security.
Data Source
AI summary
A method and system for implementing verification within data transfer are provided. The method includes obtaining a user card identifier and a data transfer password of a selected user card through a data transfer request interface. A data transfer verification request to a data transfer server is initiated, the data transfer verification request being generated according to the user card identifier, the data transfer password and a data transfer user identifier. A current time valid identifier that is returned by the data transfer server is received when the data transfer verification is passed, the current time valid identifier being issued when the data transfer server determines that the current time does not exceed a valid period of card-binding time of the selected user card. A secondary verification interface is skipped according to the current time valid identifier. A data transfer confirmation interface is entered.