System and method based on user behavior authentication, and storage medium

Abstract

The invention provides a system and a method based on user behavior authentication, and a storage medium. The system comprises a behavior file module, a behavior data acquisition module, a behavior authentication arbitration module and a behavior authentication module, wherein the behavior file module is used for storing the data discrete set of user common device information, transaction common geographical location information, and user transaction habit behavior information; the behavior data acquisition module is used for collecting and monitoring user behavior data in real time through webpage plug-ins or an application program client; the behavior authentication arbitration module is used to carry out arbitration processing on data factors provided by the behavior file module and the behavior data acquisition module so as to obtain an authentication factor; and the behavior authentication module is used to match the current behavior data of the user with the authentication factor, and if matching is successful, the authentication is passed. In the invention, the matching result of the current behavior data of the user and a user behavior file is taken as the basis of a usersafety certification management and control strategy, and the authentication mode of a dynamic distribution strategy and a full-order comparison method is adopted to realize authentication processingbased on a user behavior.

Description

Technical field [0001] The present invention relates to the field of data processing, in particular to a system and method based on user behavior authentication, and a storage medium. Background technique [0002] Online finance is an integral part of the contemporary financial industry. Through online financial transactions, it can effectively reduce transaction costs, provide users with better financial services, and at the same time create broader business development space for financial institutions and enhance the competitiveness of financial institutions. [0003] But at the same time, with the rapid development of network technology, there are many security risks in the processing of online financial services, such as Trojan horse attacks, man-in-the-middle attacks, phishing attacks, and malicious code attacks. [0004] In order to cope with the various risks in online banking, various methods are generally adopted in China to ensure the security of online financial clients, s...

AI Technical Summary

Problems solved by technology

It can be seen from this that traditional security authentication methods require user intervention during the security authentication process, and user intervention means that password errors may occur, resulting in waste of time, inconvenient transaction processes, and poor user experience.

[0009] 4) In order to ensure the timeliness and certification strength of security certification methods, financial institutions need to spend a lot of energy and financial resources on issuing or replacing security certification hardware, resulting in a large expenditure on operating costs

[0010] 5) Once the security authentication method is breached, financial institutions generally further improve it by urgently replacing the security authentication method, temporarily notifying users of relevant risk information, or using composite security authentication methods, etc. big impact

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