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Online bank security protection method

A technology for security protection and online banking, which is applied to key distribution, can solve the problem of low security of online banking login, and achieve the effects of eliminating malicious operations, ensuring reliability, and ensuring security

Inactive Publication Date: 2013-07-17
上海金融云服务集团安全技术有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] The purpose of the present invention is to provide an online banking security protection method to solve the problem of low online banking login security in the prior art

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0046] Such as figure 1 As shown, the traditional online banking login method is that the online banking server is always open to the outside world. Any user can process the funds in the corresponding account as long as they enter the correct login information at any point in time. It is precisely because the online banking server is always open to the outside world. Therefore, in the prior art, online banking users are encouraged to set more complex passwords and use K treasure, U-shield, etc. The above online banking security protection methods can only improve the security of online banking to a limited extent, and cannot fundamentally solve the security problem of online banking .

[0047] Such as figure 2 As shown, based on the above-mentioned defects, the present invention abandons the online banking login method in the prior art that only treats symptoms but not the root cause, and establishes an online banking server that supervises the prohibited login status and al...

Embodiment 2

[0062] Such as Figure 6 As shown, the difference between this embodiment and Embodiment 1 is that the online banking login operation steps after obtaining the login authorization are as follows: When the user accesses the online banking login page, the user enters the online banking login account number and password in the browser, and the login The request is sent to the Internet Banking Server to verify whether the user is allowed to log in, so as to further ensure the legitimacy of the logged-in user, and when it is judged that the user who requested to log in is a verified user who is allowed to log in, it will reply that the online banking login has been authorized successfully, and log in here After the request is satisfied, the login information is sent to the online banking server for login authentication, and the online banking server deletes the allowed login user from the allowed login list, and refuses to log in if the user is not allowed to log in.

Embodiment 3

[0064] Such as Figure 7 As shown, the difference between this embodiment and Embodiment 1 is that the online banking login operation steps after obtaining the login authorization are as follows: When the user accesses the online banking login page, the user enters the online banking login account number and password in the browser of the user terminal and Submit a login request, and after receiving the login request, the online banking server sends the login request to the NetBank server to verify whether the user is a user allowed to log in, and when it is determined that the user requesting login is a verified user allowed to log in, the online banking server will directly perform regular login Authentication, the NetBank server deletes the allowed login user from the allowed login list to prevent others from using the gap to log in again, and refuses to log in if the user is not allowed to log in.

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Abstract

The invention discloses an online bank security protection method which mainly solves the problem of poor online bank login security in the prior art. The online banking security protection method includes downloading an online banking client side to a user terminal device and setting up an online banking server which is used for the supervision of a login prohibition state and a login permission state of an online bank account and the register and login authorization of the online banking client side; registering for the online banking client side on the online banking server through a user; and setting the user who logs in the online banking client side successfully and obtains login authorization as a login permitted user through the online banking server, wherein any online bank login is required to request login authorization authentication from the online banking server and only the online bank login passing through the authorization authentication is allowed. The online bank security protection method is good in security, intelligent and high in practical value and application value.

Description

technical field [0001] The invention relates to a safety protection method, in particular to an online banking safety protection method. Background technique [0002] Online banking, also known as online banking, refers to the financial services provided by banks through information networks, including both traditional banking services and emerging services brought about by the application of information technology. With the development of society, more and more users Information network for account opening, inquiry, account reconciliation, intra-bank transfer, inter-bank transfer, credit, online securities, investment and wealth management and other service items, followed by online banking insecurity has gradually emerged. In recent years, many users hackers used simple malicious software to steal online banking login information, and some users' bank cards were even copied, causing heavy losses to users' property, and seriously questioning the reliability of banks and se...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L29/06H04L9/08G06Q40/02
Inventor 胥寅况余让
Owner 上海金融云服务集团安全技术有限公司
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