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Disposable identity file identification method and its application

An identity authentication, one-time technology, applied in the field of identity authentication, can solve the problem that the security of user identity data has not been fundamentally solved.

Inactive Publication Date: 2007-02-14
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0034] In short, in many application systems that use the "unchanging account number + (relatively) fixed password" mode for identity authentication, the security of user identity data has not been fundamentally resolved. One of the essential reasons is that users always is using the same account number and the same password for a considerable period of time

Method used

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  • Disposable identity file identification method and its application

Examples

Experimental program
Comparison scheme
Effect test

Embodiment approach 1

[0114] Implementation Mode 1: The banking system uses a one-time account number to represent the real account number

[0115] For a certain banking application system, a customer can apply for several (or one) disposable account numbers (or disposable card numbers) at a time for a certain account number (or bank card number). card number), make the following provisions:

[0116] (1) The latest one-time account number (or one-time card number) is valid until it is used. After the customer applies for a one-time account number (or one-time card number), all the one-time account numbers (or one-time card numbers) previously used will become invalid;

[0117] (2) In the entire banking application system, at any time, all valid one-time account numbers (or one-time card numbers) are all different;

[0118] (3) When the account number (or bank card number) is needed to handle the existing banking business, unless there are special requirements for the business (such as loss report...

Embodiment approach 2

[0127] Implementation Mode 2: The banking system uses a one-time password instead of a (relatively) fixed password

[0128] For the banking application system of a certain bank, the customer can apply for several (or one) one-time passwords for a certain account number (or bank card number) at a time. For these one-time passwords, the following regulations are made:

[0129] (1) The latest one-time passwords are valid before use. After the customer applies for a one-time password, all the one-time passwords previously used will become invalid;

[0130] (2) All valid one-time passwords of the same account (or bank card number) are different;

[0131] (3) When it is necessary to use a (relatively) fixed password for the existing banking business, unless there are special requirements for the business (such as loss reporting), customers are allowed to use a one-time password instead of a (relatively) fixed password;

[0132] (4) Each one-time password can only be used once with...

Embodiment approach 3

[0138] Implementation Mode 3: The banking system uses a one-time account number instead of a real account number, and uses a one-time password instead of a (relatively) fixed password

[0139] For the banking application system of a certain bank, the customer can apply for several (or one) one-time account numbers and several (or one) one-time passwords for one account number (or bank card number) at a time. account number and one-time password, make the following provisions:

[0140] (1) The latest unused one-time account or one-time password is valid. After the customer applies for a one-time account number or one-time password, correspondingly, all the one-time account numbers or one-time passwords used before will become invalid;

[0141] (2) Within the entire banking application system, all valid one-time account numbers are different. All valid one-time passwords for the same account (or bank card number) are different;

[0142] (3) When dealing with existing banking ...

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Abstract

This invention discloses a method for certificating identities, a cipher paper product and its application, in which, the method applies one-shot identity materials, which is only effective for one time of use, namely, one-shot account or ciphers, or designed by the authenticated person with the short message of cell phone or generated by the application system to design it on cipher paper.

Description

technical field [0001] The present invention relates to an identity authentication method used in an account business application system, in particular to an identity authentication method using one-time identity data, which can be widely applied to various needs of banks, securities, futures, websites, etc. Identity authentication business application system. Background technique [0002] At present, in the bank's external business, the method of authenticating the identity of the customer is in addition to the method of the salesman asking the customer to show the passbook (or bank card), ID card, seal, signature, etc. The above are all using the "unchangeable account number + (relatively) fixed password" mode. Under the above-mentioned identity authentication mode, existing business application systems (including banking business application systems) require customers to enter a password, which can be changed by customers, but in fact customers often do not take the init...

Claims

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Application Information

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IPC IPC(8): G07F7/00
Inventor 颜立新
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