CN102567914A - System for realizing bank secure transaction by mobile communication terminal and method thereof - Google Patents

System for realizing bank secure transaction by mobile communication terminal and method thereof Download PDF

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Publication number
CN102567914A
CN102567914A CN201010580499XA CN201010580499A CN102567914A CN 102567914 A CN102567914 A CN 102567914A CN 201010580499X A CN201010580499X A CN 201010580499XA CN 201010580499 A CN201010580499 A CN 201010580499A CN 102567914 A CN102567914 A CN 102567914A
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China
Prior art keywords
server
dynamic password
transaction
website server
client terminal
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CN201010580499XA
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Chinese (zh)
Inventor
邹勇
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Tsinghua Tongfang Co Ltd
Tongfang Co Ltd
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Tongfang Co Ltd
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Priority to CN201010580499XA priority Critical patent/CN102567914A/en
Publication of CN102567914A publication Critical patent/CN102567914A/en
Pending legal-status Critical Current

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Abstract

The invention discloses a system for realizing bank secure transaction by a mobile communication terminal and a method thereof. A client terminal is used for initiating a transaction request to a website server, and the transaction request comprises a dynamic password used for validity authentication and user ID. The website server is used for forwarding the dynamic password and the user ID sent by the client terminal to an authentication server, sending service operation data to a transaction server, and providing an operation interface, an error page or other pages for the client terminal according to information sent by the authentication server or the transaction server. The authentication server is used for determining the validity of a client according to a dynamic password seed corresponding to the client and feeding back an authentication result to the website server. The transaction server carries out transaction processing according to the service operation data forwarded by the website server and sends a transaction result to the client terminal through the website server after the transaction processing is finished. According to a scheme of the invention, the security of user transaction is substantially raised.

Description

A kind of mobile communication terminal is realized the system and method for bank safety transaction
Technical field
The present invention relates to bank safety transaction field, relate in particular to the system and method that a kind of mobile communication terminal is realized the bank safety transaction.
Background technology
At present, the transaction payment mode is various, pays in cash; Network payment, bank cable transfer, postal remittance; Payment of cheque or the like has made things convenient for the form of money flow, and wherein network payment is main with fixed network mainly; Utilize computer to land payment or the page of transferring accounts is paid, the nonetheless abundant modes of payments still can not satisfy people to the demand of the modes of payments more easily.Emerge many portable terminals that utilize in the prior art; For example mobile phone carries out the technology of network payment; But people worry more is whether the security performance of this modes of payments can be protected; At the Chinese patent publication number be: put down in writing a kind of safety certifying method of cell phone bank system in the patent publication us of CN1601960A, the cell phone bank system in the method comprises portable terminal, gateway, fire wall, Mobile banking center and bank backstage, wherein; Portable terminal connects gateway through the mobile network; Gateway is connected with the Mobile banking center through said fire wall through the Internet or special line, in the authentication process employing and Bank Account Number one to one the number of the account identification code in there is the media of unsafe factor in mobile communications network or the Internet etc., transmit, improve the safety coefficient of bank transaction with this.But; This scheme is not encrypted the packet of submitting to and receive in authentication and process of exchange; Password in the packet is to exist with mode expressly; It is very big by the possibility of unauthorized theft to cause the important safety information of Mobile banking website to exist, and for example illegal person takes to send on the intercept page means such as package informatin to steal client's security information.
To above-mentioned unsafe problems; The system and method that has occurred another kind of security control in the prior art; For example the Chinese patent publication number is: the system and method for having put down in writing the security control of a kind of WAP of realization (WAP) mobile banking transaction in the patent documentation of CN101448001A; With reference to Fig. 1, this system comprises: client terminal; The WEB server is used to provide the domain name addresses service, and the transaction request that is received from client terminal is forwarded to the WAP portal server; The WAP portal server is used for through obtaining the phone number of client terminal with the communication of mobile communications operator's system equipment; Generate handset token according to operator of bank phone number binding relationship, this handset token and transaction request are sent to the WAP trading server; The WAP trading server is used to verify the legitimacy of handset token, and whether the inspection client is consistent with the binding information and the token information of operator of bank, if consistent, then continuous business, otherwise refusal transaction.But this trade mode, because handset token produces at pilot process, as easy as rolling off a log by the dummy terminal utilization, the account that causes the client is brought irreparable damage for client and bank by illegal operation.
Summary of the invention
In view of the above problems, fundamental purpose of the present invention is to provide a kind of safer bank transaction system and method for utilizing mobile communication terminal to realize.
In order to address the above problem, the invention provides the system that a kind of mobile communication terminal is realized the bank safety transaction, this system comprises: client terminal 1, Website server 2, certificate server 3 and trading server 4; Wherein:
Client terminal 1; Be removable communicating terminal; Be used for initiating transaction request and sending the business operation data, and comprise dynamic password and the ID that is used for the legitimacy authentication in the transaction request according to the operation interface that provides from said Website server 2 to said Website server 2;
Website server 2 is used to transmit dynamic password that said client terminal 1 sends and ID to said certificate server 3, and sends the business operation data to said trading server 4; And the information of sending according to certificate server or trading server is that said client terminal provides operation interface, the mistake page or other page;
Certificate server 3 is used for basis and client's corresponding dynamic password seed, judges client's legitimacy and feeds back authentication results to said Website server 2;
Trading server 4 carries out transaction processing according to the business operation data that said Website server 2 is transmitted, and the back that finishes is sent transaction results through said Website server 2 to client terminal 1.
As another preferred version, said client terminal 1 also can send dynamic password simultaneously and carry out authentication when sending the business operation data.
As another preferred version; Said certificate server 3 is after the said client terminal of checking is validated user; Send the challenge number through said Website server 2 to said client terminal 1; Said client terminal 1 utilizes the dynamic password that sends when challenging number and transaction request to generate new dynamic password after receiving said challenge number, sends to said certificate server 3 through said Website server and carries out the authentication second time.
As another preferred version, said client terminal 1 also sends dynamic password and carries out authentication when sending the business operation data.
As another preferred version, said other page is a browsing pages.
As another preferred version; Said dynamic password; Be to carry out after the Hash HASH computing utilizing the computing of dynamic password algorithm to obtain as seed all or part of according to one or more the combination in hardware information, paste card hardware information and the user's of ID, digital certificates, key, SIM hardware information, TF card hardware information, mobile phone self the identifying information.
The present invention also provides a kind of mobile communication terminal to realize the bank safety transaction method, comprises the steps:
Step 1, client terminal 1 are initiated transaction request to Website server 2, comprise ID and the dynamic password that is used for the legitimacy authentication in the request;
Step 2, Website server 2 are transmitted dynamic password and ID to certificate server 3;
Step 3, certificate server 3 are judged client's legitimacy and are fed back authentication result to Website server according to client's corresponding dynamic password seed; If legal, get into next step; If illegal, indication Website server 2 sends the wrong page of expression or other page to client terminal 1;
Step 4, indication Website server 2 send the professional page to client terminal 1;
Step 5, client carry out business operation, and the back that finishes is sent the business operation data through Website server 2 to trading server 4;
Step 6, trading server 4 carry out transaction processing, and the back that finishes is sent transaction results through Website server 2 to client terminal 1.
As another preferred version, in the said step 5, can also comprise dynamic password for the second time in the business operation data; This, dynamic password produced as the seed computing with primary dynamic password second time;
And between said step 5 and step 6, also comprise the following steps:
Step 5A, Website server 2 are to the certificate server 4 transmissions said second time of dynamic password and ID;
Step 5B, certificate server 3 are judged client's legitimacy according to client's corresponding dynamic password seed; If legal, then indicate Website server 2 to send the business operation data to trading server 4; Get into said step 6; If illegal, the indication Website server sends the wrong page or other page to client terminal.
Technique scheme of the present invention can largely be reduced in the process of exchange by the possibility of illegal operation, has improved the security of customer transaction greatly.
Description of drawings
Fig. 1 is a kind of WAP mobile banking transaction safety control system synoptic diagram of the prior art;
Fig. 2 realizes the system architecture synoptic diagram of bank safety transaction for a kind of portable terminal among the present invention;
Fig. 3 is the wherein a kind of preferred version process flow diagram among the present invention;
Fig. 4 is the another kind of preferred version process flow diagram among the present invention;
Fig. 5 is another the preferred version process flow diagram among the present invention.
Embodiment
For making the object of the invention, technical scheme and advantage clearer, with reference to the accompanying drawings, technical scheme of the present invention is done further detailed description.
With reference to Fig. 2, system of the present invention comprises client terminal 1 (can be mobile client terminals such as mobile phone, palm PC PDA), Website server 2 (can be WAP server or WEB server etc.), certificate server 3, trading server 4; Said client terminal 1 is removable communicating terminal, be used for initiating transaction request or sending the business operation data according to the operation interface that provides from said Website server 2 to said Website server 2, and this client terminal 1 has hardware safe unit; The paste card of SIM of the prior art for example; Perhaps the SIM of free band payment function meets the safety chip of MTM standard etc., when initiating transaction request; Said hardware safe unit produces dynamic password; Be attached in the transaction request and send, be used for the legitimacy authentication, also comprise ID and web page address URL in the transaction request; Said Website server 2 is used to transmit dynamic password that said client terminal 1 sends and ID to said certificate server 3, and sends the business operation data to said trading server 4; And the information of sending according to certificate server or trading server is that said client terminal provides operation interface; Said certificate server 3 is used for basis and client's corresponding dynamic password seed, judges client's legitimacy and feeds back authentication results to said Website server 2; Said trading server 4 carries out transaction processing according to the business operation data that said Website server 2 is transmitted, and the back that finishes is sent transaction results through said Website server 2 to client terminal 1.
Referring to accompanying drawing 3, describe to concrete flow process below:
Step 1, client terminal 1 are initiated transaction request to Website server 2, comprise web page address URL, ID in the request and are used for the dynamic password OTP of legitimacy authentication;
Step 2, Website server 2 are transmitted dynamic password and ID to certificate server 3; Said certificate server 3 is separated and sent to said Website server 2 with ID in the said transaction request data and dynamic password OTP after receiving the transaction request data of said client terminal 1 transmission;
Step 3, certificate server 3 are judged client's legitimacy and are fed back authentication result to Website server according to client's corresponding dynamic password seed; Said certificate server 3; After receiving ID that said Website server 2 transmits and dynamic password, according to its storage with client's corresponding dynamic password seed, with the dynamic password algorithm of fixing; Calculate a dynamic password; Itself and the dynamic password that receives are compared, if consistent, it is legal then to explain; If inconsistent, then explain illegal.Legal, get into step 4, and with the seed of this dynamic password as next dynamic password computing; If illegal, indication Website server 2 sends the wrong page of expression or other page (for example browsing pages) to client terminal 1;
Step 4, indication Website server 2 send to client terminal 1 and welcome the interface and the follow-up professional page; Certainly, have only the professional page not welcome the interface also to be fine;
Step 5, client carry out business operation, and the back client terminal 1 that finishes sends the business operation data through Website server 2 to trading server 4;
Step 6, trading server 4 carry out transaction processing, and the back that finishes is sent transaction results through Website server 2 to client terminal 1.
In the said step 1, client terminal 1 is initiated transaction request to Website server 2, can
Realize through following dual mode:
Mode one: client terminal 1 to the transactional services interface, proposes transaction request to said Website server 2 through the STK program chains through mobile communications operator's service page;
Mode two: client terminal is directly imported domain name access transaction service page, proposes transaction request to Website server 2.
As another preferred embodiment, as shown in Figure 4, step 1 to step 4 is identical with such scheme,
In the said step 5, for the purpose of more safely, client terminal 1 sends in the business operation data of Website server 2, also comprises the dynamic password second time that is produced by hardware safe unit; This, dynamic password produced as the seed computing with primary dynamic password second time; The seed of dynamic password is always served as by the preceding dynamic password that once produces, and each computing draws dynamic password, all preserves the seed as computing next time in this locality.
And between said step 6 and step 5, also comprise the following steps:
Step 5A, Website server 2 send dynamic password and ID to certificate server 4; Website server 2 separates the dynamic password in the said business operation data after receiving the business operation data of client terminal 1 transmission with ID, be transmitted to said certificate server 4;
Step 5B, certificate server 3 are judged client's legitimacy and are fed back authentication result to Website server 1 according to client's corresponding dynamic password seed; After certificate server 3 receives said dynamic password and ID, confirm the dynamic password seed according to ID, computing produces dynamic password, and this dynamic password and the dynamic password that receives are compared, and judges whether unanimity; If consistent, it is legal to explain, then indicates Website server to send the business operation data to trading server; If inconsistent, explain illegal, the indication Website server send the wrong page or other page to client terminal.
As another preferred embodiment, between said step 3 and step 4, can also be that client terminal provides the challenge number by certificate server, client terminal generates new authentication dynamic password according to challenge number and dynamic password seed.
Above-mentioned dynamic password; Can be according to ID; One or more combination wherein such as hardware information, paste card hardware information and the user's of digital certificates, key, SIM hardware information, TF card hardware information, mobile phone self identifying information is carried out Hash (HASH) computing as seed, adopts common dynamic password algorithm to calculate dynamic password; Can also be to carry out behind the HASH algorithm again and the combination of wherein one or more above-mentioned information seed as dynamic password.More complicated, secret effect is just good more certainly, and this combination can be selected arbitrarily according to the needs of oneself.
In order to make transaction safer, as another preferred embodiment, certificate server 3 is realized checking each other with client terminal 1; In proof procedure, add the challenge number (utilize the method for challenge number checking, can be with reference to the content of prior art CN1774687A record, this term of challenge number refers to is not necessarily numeral; It can be a segment information; Here just do not do and give unnecessary details), referring to accompanying drawing 5, idiographic flow is following:
Step 1, client terminal 1 logging request are perhaps initiated transaction request; Can comprise information such as URL, ID and/or dynamic password in the solicited message, but must not comprise;
Step 2, Website server 2 are to certificate server 3 request challenge numbers;
Step 3, certificate server 3 send the challenge number through Website server 2 to client terminal 1;
Step 4, said client terminal according to said challenge number and last dynamic password (if produce dynamic password first; Then for initial dynamic password seed) dynamic password that the result uses the dynamic password algorithm computation to make new advances, the dynamic password that this is new sends to said certificate server through said Website server;
Step 5, certificate server dynamic password (if first produce dynamic password, then be initial dynamic password seed) and the challenge number last according to the client produce new dynamic password, and itself and the new dynamic password that receives are compared; If consistent, get into step 6; Otherwise indication Website server 2 sends the wrong page or other page to client terminal 1;
Step 6, indication Website server send to client terminal and welcome the interface and/or the follow-up professional page;
Step 7, client carry out business operation, and the back client terminal 1 that finishes sends the business operation data through Website server 2 to trading server 4;
Step 8, trading server carry out transaction processing, and the back that finishes is sent transaction results through Website server to client terminal.
Equally, the technical scheme described in the accompanying drawing 5 equally can be done distortion, and in the said step 7, for the purpose of safety more, client terminal 1 sends in the business operation data of Website server 2, also comprises the dynamic password second time that is produced by hardware safe unit; This, dynamic password produced as the seed computing with primary dynamic password second time.
And between said step 7 and step 8, also comprise the following steps:
Step 7A, Website server 2 send dynamic password and ID to certificate server 4; Website server 2 separates the dynamic password in the said business operation data after receiving the business operation data of client terminal 1 transmission with ID, be transmitted to said certificate server 4;
Step 7B, certificate server 3 are judged client's legitimacy and are fed back authentication result to Website server 1 according to client's corresponding dynamic password seed; Be specially after certificate server 3 receives said dynamic password and ID, confirm the dynamic password seed according to ID, computing produces dynamic password, and this dynamic password and the dynamic password that receives are compared, and judges whether unanimity; If consistent, it is legal to explain, then indicates Website server to send the business operation data to trading server; Get into step 8; If inconsistent, explain illegal, the indication Website server send the wrong page or other page to client terminal.
The above embodiment of the present invention mainly is to improve the safety coefficient in the process of exchange, uses as for the hommization of the software interface that in main verification process, interts, and does not here just remake and gives unnecessary details, and these are used and obviously all do not break away from aim of the present invention.Above-mentioned embodiment only is schematic; Rather than it is restrictive; Those skilled in the art is under the enlightenment of technical scheme of the present invention; Not breaking away under the scope situation that aim of the present invention and claim protect, can also make more changeable shape, these all belong within protection scope of the present invention.

Claims (10)

1. a mobile communication terminal is realized the system that bank safety is concluded the business, and it is characterized in that this system comprises: client terminal (1), Website server (2), certificate server (3) and trading server (4); Wherein:
Client terminal (1); Be removable communicating terminal; Be used for initiating transaction request, send the business operation data according to the operation interface that provides from said Website server (2), and comprise dynamic password and the ID that is used for the legitimacy authentication in the transaction request to said Website server (2);
Website server (2) is used to transmit dynamic password that said client terminal (1) sends and ID to said certificate server (3), and sends the business operation data to said trading server (4); And the information of sending according to certificate server or trading server is that said client terminal provides operation interface, the mistake page or other page;
Certificate server (3) is used for basis and client's corresponding dynamic password seed, judges client's legitimacy and feeds back authentication result to said Website server (2);
Trading server (4) carries out transaction processing according to the business operation data that said Website server (2) is transmitted, and the back that finishes is sent transaction results through said Website server (2) to client terminal (1).
2. a kind of mobile communication terminal according to claim 1 is realized the system of bank safety transaction, it is characterized in that, said client terminal (1) also sends dynamic password and carries out authentication when sending the business operation data.
3. a kind of mobile communication terminal according to claim 1 is realized the system of bank safety transaction; It is characterized in that; Said certificate server (3) sends the challenge number through said Website server (2) to said client terminal (1) after the said client terminal of checking is validated user; Said client terminal (1) utilizes the dynamic password that sends when challenging number and transaction request to generate new dynamic password after receiving said challenge number, sends to said certificate server (3) through said Website server (2) and carries out the authentication second time.
4. a kind of mobile communication terminal according to claim 3 is realized the system of bank safety transaction, it is characterized in that, said client terminal (1) also sends dynamic password and carries out authentication when sending the business operation data.
5. realize the system of bank safety transaction according to described any mobile communication terminal of claim 1 to 4, it is characterized in that said other page is a browsing pages.
6. realize the system of bank safety transaction according to described any mobile communication terminal of claim 1 to 4, it is characterized in that,
Said dynamic password; Be to carry out after the Hash HASH computing utilizing the computing of dynamic password algorithm to obtain as seed all or part of according to one or more the combination in hardware information, paste card hardware information and the user's of ID, digital certificates, key, SIM hardware information, TF card hardware information, mobile phone self the identifying information.
7. a mobile communication terminal is realized the bank safety transaction method, it is characterized in that, comprises the steps:
Step 1, client terminal (1) are initiated transaction request to Website server (2), comprise ID and the dynamic password that is used for the legitimacy authentication in the request;
Step 2, Website server (2) are transmitted dynamic password and ID to certificate server (3);
Step 3, certificate server (3) are judged client's legitimacy and are fed back authentication result to Website server according to client's corresponding dynamic password seed; If legal, get into next step; If illegal, indication Website server (2) sends the wrong page of expression or other page to client terminal (1);
Step 4, indication Website server (2) send the professional page to client terminal (1);
Step 5, client carry out business operation, and the back that finishes is sent the business operation data through Website server (2) to trading server (4);
Step 6, trading server (4) carry out transaction processing, and the back that finishes is sent transaction results through Website server (2) to client terminal (1).
8. a kind of mobile communication terminal according to claim 7 is realized the bank safety transaction method, it is characterized in that,
In the said step 5, also comprise dynamic password for the second time in the business operation data; This, dynamic password produced as the seed computing with primary dynamic password second time;
And between said step 5 and step 6, also comprise the following steps:
Step 5A, Website server (2) are to certificate server (4) the transmission said second time of dynamic password and ID;
Step 5B, certificate server (3) are judged client's legitimacy according to client's corresponding dynamic password seed; If legal, then indicate Website server (2) to send the business operation data to trading server (4); Get into step 6; If illegal, the indication Website server sends the wrong page or other page to client terminal.
9. realize the bank safety transaction method according to claim 7 or 8 described a kind of mobile communication terminals, it is characterized in that,
Said dynamic password; Be to carry out after the Hash HASH computing utilizing the computing of dynamic password algorithm to obtain as seed all or part of according to one or more the combination in hardware information, paste card hardware information and the user's of ID, digital certificates, key, SIM hardware information, TF card hardware information, mobile phone self the identifying information.
10. realize the bank safety transaction method according to claim 7 or 8 described a kind of mobile communication terminals, it is characterized in that said other page is a browsing pages.
CN201010580499XA 2010-12-09 2010-12-09 System for realizing bank secure transaction by mobile communication terminal and method thereof Pending CN102567914A (en)

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Application Number Priority Date Filing Date Title
CN201010580499XA CN102567914A (en) 2010-12-09 2010-12-09 System for realizing bank secure transaction by mobile communication terminal and method thereof

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103684796A (en) * 2013-12-27 2014-03-26 大唐微电子技术有限公司 SMI (subscriber identity module) card and personal identity authentication method

Citations (3)

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Publication number Priority date Publication date Assignee Title
CN1855810A (en) * 2005-04-26 2006-11-01 上海盛大网络发展有限公司 Dynamic code verificating system, method and use
CN1858798A (en) * 2006-02-24 2006-11-08 华为技术有限公司 System and method for realizing digital bank card service by mobile terminal
CN101582764A (en) * 2009-04-02 2009-11-18 北京飞天诚信科技有限公司 Method and system for identity authentication based on dynamic password

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1855810A (en) * 2005-04-26 2006-11-01 上海盛大网络发展有限公司 Dynamic code verificating system, method and use
CN1858798A (en) * 2006-02-24 2006-11-08 华为技术有限公司 System and method for realizing digital bank card service by mobile terminal
CN101582764A (en) * 2009-04-02 2009-11-18 北京飞天诚信科技有限公司 Method and system for identity authentication based on dynamic password

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103684796A (en) * 2013-12-27 2014-03-26 大唐微电子技术有限公司 SMI (subscriber identity module) card and personal identity authentication method

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Application publication date: 20120711