Safe E-bank implementation method

An implementation method and technology of a safety net, applied in the field of secure transfer system and e-commerce payment, can solve the problems of stealing and misappropriating private keys and digital certificates in USBKEY, and achieve the effects of improving security, small changes and easy operation.

Inactive Publication Date: 2014-06-11
吴伟峰
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, with the advancement of network and hacker technology, the private key and digital certificate in the USBKEY may still be stolen during the operation

Method used

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  • Safe E-bank implementation method

Examples

Experimental program
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Embodiment Construction

[0017] Such as figure 1 As shown, an implementation method of secure online banking combined with a mobile terminal, the specific implementation steps are as follows:

[0018] 101: The user presets the network login password and mobile phone login password of the online banking. When logging in to the online banking, the user first enters the personal account number and the preset network login password (or dynamic password) through the Internet;

[0019] 102: After receiving the user's input of the network login password, the online banking system randomly generates a serial number, and automatically sends confirmation information to the mobile phone number registered by the user;

[0020] 103: The user replies the serial number and mobile phone login password to the online banking system according to the prompt of the confirmation message, and the system verifies that the serial number, mobile phone login password and the mobile phone number sending the mobile phone login pa...

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Abstract

The invention provides a mobile terminal combined safe E-bank implementation method which comprises the following implementation steps: a cellphone login password authentification step is additionally added based on original dynamic coded lock and USB KEY, and a user can successfully log in an E-bank transactional interface for E-bank operation by sending a correct cellphone login password through a specific cellphone number. The principle of the safe E-bank implementation method provided by the invention is that mobile communications and the world-wide-web adopt different and individual networks for login. Thus, the possibility that a relative secret key is disclosed or stolen is reduced greatly, and E-bank operation safety is raised.

Description

technical field [0001] The invention relates to the field of information security, and is suitable for a safe transfer system of network banks and an e-commerce payment method. Background technique [0002] With the rapid development of e-commerce and the Internet, the amount of online transactions in Internet banking (referred to as Internet banking) continues to expand, and the problem of network transaction security has become increasingly prominent. At present, in the process of online banking transactions, dynamic password locks and USBKEYs are generally used as user identity authentication technologies at home and abroad. [0003] The dynamic password lock includes two elements: one is the static PIN code (identification code), which is set and kept by the user; the other is the dynamic password, which is randomly generated by the dynamic password card, is unpredictable, and is synchronized with the access control of the background server After the dynamic password is...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L29/06G06Q20/40G06Q20/42
CPCH04L9/32H04L9/3226H04L63/083H04L63/0853H04L63/18H04L2209/56H04L2209/80H04W12/069
Inventor 吴伟峰
Owner 吴伟峰
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