CN102930646B - Authentication technology based on stock market quotation - Google Patents
Authentication technology based on stock market quotation Download PDFInfo
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- CN102930646B CN102930646B CN201210434143.4A CN201210434143A CN102930646B CN 102930646 B CN102930646 B CN 102930646B CN 201210434143 A CN201210434143 A CN 201210434143A CN 102930646 B CN102930646 B CN 102930646B
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Abstract
The invention relates to authentication technology based on stock market quotation. The authentication technology is characterized in that the A stock individual share closing index of Shanghai and Shenzhen socket is obtained from the bank official website, an effective dynamic password is obtained from the A stock individual share closing index, and therefore the method of adding the dynamic password in static passwords is achieved, and password safety is improved. The password is composed of M numbers and an added number used for recognizing the password generation mode of the password. The authentication technology is used in bank card and password trades between enterprises and customers and is economic and safe.
Description
Technical field:
The present invention relates to utilize personal share short-swing buy to produce the technology of dynamic password based on quotations on the stock market, be particularly related to this technology between enterprise and client, adopt the bank card of magnetic stripe and the identification of password, carry out the password generation technique of a kind of economic security of cash and account trading.
Prior art:
Current identity identifying technology has static password password authentication and dynamic cipher verification, static password authentication mode adopts bank card encrypted code to identify user identity, bank card information and password are all changeless, therefore often occur bank cloning card robber brush case.Dynamic cipher verification is to share password algorithm and method for generating cipher code by token and identity authorization system, dynamic cipher verification safety but cost is high, a lot of for static password password authentication Current Password theft preventing method, magnetic stripe card is inserted IC chip and is made it to avoid being copied by lawless person, but the cost that its " bottleneck " is IC chip card is higher.Some places adopt except input password, also need on sales slip, sign, and whether cashier can check sales slip consistent with card back signature, but these most occasions can not avoid bank's card to be replicated.In addition, bank adds the identifying code of Custom Encryption algorithm and is stored in the magnetic track of magnetic stripe bank card in bank's card number coding rule of its use and strip data format, be encrypted by the self-defining special cryptographic algorithm of each bank, because each row cryptographic algorithm is different, therefore utilize the false card of the illegal part of making of the bank card information obtaining, in the time that credit card issuer is deciphered, can be identified and cannot use.
Dynamic password is current focus in enterprise's application; increasing enterprise adopts dynamic password protection; dynamic password is to generate a uncertain random digit combination according to special algorithm; each password can only use once, is widely used at present the applications such as Net silver, network game, telecom operators, E-Government, enterprise.Dynamic password is a kind of safe account anti-theft technology, can effectively protect the authentication security of transaction and login.Main flow generation form has SMS, hardware token, handset token.Mobile phone dynamic password is to utilize mobile phone to generate or receiving terminal as random cipher, user is in the time of login application system, generation on input handset or the password receiving do not stop the random cipher changing, and have greatly promoted the safety of authenticating user identification or transaction.
Summary of the invention:
At present bank card client to be all the bank card encrypted code mode that adopts magnetic stripe realized cash withdrawal, balance of deposits inquiry, carried out between account the work such as the allocation of the funds by self-help bank.Generally be laid in line self-help bank and a large amount of from line self-help bank in bank agency.But, along with being on the increase with ATM (Automatic Teller Machine) frequency of utilization of self-help bank's quantity increases, crime for ATM (Automatic Teller Machine) is also increasing, because current self-help bank is all used static password, password immobilizes easily stolen, user uses SCs to the password of bank card, inputs password and often must adopt another hand or health to block operating gesture, prevents that other people or pinhole camera from peeping.The lawless person who also has installs magnetic card data reader in ATM (automatic teller machine), steals remittee's bank card number information and makes pseudo-card, then blocks and steals gained password and on other automatic teller machines, extract deposit in card with pseudo-.How effectively protecting the interests of client and bank, is a problem anxious to be resolved.
In order to address the above problem, bank has all adopted concentrated interconnected monitoring system at present, the All Activity window in some regions, ATM automatic teller machine, generally all by managing and control center's Centralized Monitoring, between system, can pass through telephone network, twisted-pair feeder is connected and is built into a large system with computer network (comprising internet), therefore can make full use of system resource.Meanwhile, there are a large amount of stock investers in China, and they steep everyday before computer or television machine and observe quotations on the stock market, very familiar to many personal share stock index.A kind of identity identifying technology based on quotations on the stock market of the present invention, it is characterized in that it is to utilize ATM (Automatic Teller Machine) network environment, by official website of bank obtain on stock markets of Shanghai and Shenzhen one the day of trade A-share personal share short-swing buy therefrom obtain effective dynamic password, realize the method that adds dynamic password in static password, improve the security of password, the identity authorization system of its compatible current employing static password.Described password has M position, each forms one of in 0 to 9 by numeral, in the password of M position, there are static password position and dynamic password position, its dynamic password based in the market of stock markets of Shanghai and Shenzhen upper one the day of trade A-share personal share short-swing buy, user selects a certain personal share of stock markets of Shanghai and Shenzhen A-share in advance, selected this personal share code is tied in account corresponding to user, utilized this personal share short-swing buy of a upper day of trade, remove radix point and get its position, end 0 to 4 bit digital as dynamic password, getting 0 expression does not use personal share short-swing buy not establish dynamic password, 0 to 4 dynamic password position in password is placed in the Far Left of static password or rightmost and is formed the password of M position by user preset, this dynamic password also with event synchronization, be that user is after input password Transaction Success, the same day when transaction next time, 1 of the password ring shift left of the M position of containing dynamic password and static password that effective last time transaction is produced or ring shift right, ring shift left or ring shift right are by user preset, 1 of ring shift left is exactly that all positions are moved to the left 1, most significant digit moves on to lowest order place, 1 of ring shift right is exactly that all 1 lowest order that moves right move on to most significant digit, password after displacement is for authentication.After the same day, the password of each transaction input was all by 1 of the upper same day one password ring shift left of effectively inputting when transaction or ring shift right, as run into Shang Yiwei stock market nontransaction day, select in advance two kinds of dynamic cipher generating methods by user, the first is used personal share short-swing buy official website of bank structure or a certain day of trade in past, be used as the Shang Yiwei stock market personal share short-swing buy of nontransaction day, at this moment upper day of trade short-swing buy and the Shang Yiwei stock market short-swing buy of nontransaction day of structure of ATM (Automatic Teller Machine) screen display personal share, its two be continue extend upper one day circulative shift operation, by the effective transaction count altogether after Transaction Success for the first time of upper stock market's day of trade, it is equivalent to ring shift figure place, continue ring shift left or ring shift right, the rest may be inferred until the Shang Yiwei stock market day of trade, when meeting isometric holiday in the Spring Festival, if desired must be by note taking, forget with defence.Because this circulative shift operation has once been moved after can directly blocking by ring shift figure place, therefore the position of the some numbers while inputting password when this circulative shift operation need only be remembered last transaction in password just known its input password or from the effective transaction count altogether that starts the day of trade of stock market, the password that needn't remember last transaction input, therefore circulative shift operation is also very simple.If be greater than M as the figure place of ring shift, be equal to the numeral that subtracted after the M figure place as ring shift.
When transaction, can in ATM (Automatic Teller Machine), show or install near ATM (Automatic Teller Machine) and show that the computer of stock markets of Shanghai and Shenzhen A-share individual company share quotations or corresponding display device help user's memory, ATM (Automatic Teller Machine) be by the control center of ATM (Automatic Teller Machine) net or directly receive with quotations on the stock market receiving card that official website of bank provides upper one the day of trade personal share short-swing buy, because stock markets of Shanghai and Shenzhen personal share short-swing buy quantity is a lot, therefore adopt blockette to show, each block all comprises Hu Qu He Shen district, each district divides several piece again, the bank card of holding magnetic stripe as user inserts after ATM (Automatic Teller Machine), if click the explicit identification symbol on ATM (Automatic Teller Machine) display screen, ATM (Automatic Teller Machine) just shows the block that one of them contains the preset personal share code of this user on screen, the personal share comprising in block and arrangement thereof be not for concrete certain user, user just can obtain effective dynamic password by preset personal share from personal share short-swing buy, and with the password of M position for the authentication of static password combination results, when user inputs the authentication success when consistent with the password combining in system of the password of combination, just can complete relationship trading, otherwise authentication failure.User can click explicit identification symbol and select demonstration or do not click selection not show quotations on the stock market before ATM (Automatic Teller Machine), for stock invester user or its family members or be familiar with in set personal share one the day of trade short-swing buy user or can detect from the scene of concluding the business time, can strengthen security if select not show.When user's key feeding cipher carries out after identity Transaction Success, this password lost efficacy, even if password is stolen or peeped, was also difficult to crack.
Described password generating mode has multiple, by user's choice for use, while cracking, first want decryption generating mode, strengthen the security of password, in the password of M position, user can select 0 to 4 in advance for dynamic password position, all the other are static password position, and select in advance dynamic password to be positioned at the Far Left of password of M position or rightmost 0 to 4 by user, if select 0 to be static password and not establish dynamic password.Meanwhile, repeatedly concluded the business or ran into Shang Yiwei stock market when nontransaction day on the same day, the password of this M position also selects to adopt ring shift left or ring shift right mode in advance by user, and the password after displacement is for authentication.Therefore, password is except M position, and it is the identifier of above-mentioned password generating mode to also have additional bit, is hidden not directly as Password Input.A kind of identity identifying technology based on quotations on the stock market of the present invention, there is user cipher input operation simple, Chinese character personal share title is easily remembered, and does not substantially increase the feature of cost, can be used in the various cipher authentication systems such as self-help bank's money transaction, E-Payment and system login.
Control center 2, ATM (Automatic Teller Machine) 3 that system of the present invention comprises official website of bank 1, ATM (Automatic Teller Machine) net form, 1 every day of official website of bank by stock markets of Shanghai and Shenzhen A-share upper one the day of trade personal share short-swing buy data processing after, packing sends the control center 2 of ATM (Automatic Teller Machine) net to, and this center is processed and packed and send each ATM (Automatic Teller Machine) 3 to respectively.
Brief description of the drawings:
Fig. 1 is that a kind of system of the identity identifying technology based on quotations on the stock market forms schematic diagram.
Embodiment:
The present embodiment as shown in Figure 1, just completes relationship trading if user obtains effective dynamic password from personal share short-swing buy after correct with the password of static password combinatorial input combination again.If described password is 6 and 3 additional bit A1B, this password is provided with 3 static password positions and is made as 583, in additional bit, the 3rd identification code A is illustrated in dynamic password in password and is placed in the right of static password, as put the left side for B, the 2nd the identification code 0 personal share short-swing buy operation that represents to press for nontransaction day structure if in additional bit, represent if continuous business day circulative shift operation at 1 o'clock, in additional bit, the 3rd identification code is that B is to make ring shift right while being illustrated in shifting function, represent if ring shift left when A, user preset personal share is stock markets of Shanghai A-share personal shares, on it, this personal share short-swing buy is made as 9.16 yuan a day of trade, remove radix point and get 916 numerals, the password that should input of concluding the business for the first time the same day is 583916, same day or should be by 8 of password 583916 ring shifts while having the 8th time nontransaction day transaction, at this moment 8 grades of ring shift are all: 82 of – 6=2 ring shifts, user is set to ring shift right, move on to the highest 2 by minimum 2 16: 165839 it be for input and carry out authentication password.
Claims (2)
1. the bank card based on quotations on the stock market identity identifying technology, it is characterized in that adopted password has M position, each forms one of in 0 to 9 by numeral, in the password of M position, there are static password position and dynamic password position, its dynamic password based in the market of stock markets of Shanghai and Shenzhen upper one the day of trade A-share personal share short-swing buy, user selects a certain personal share of stock markets of Shanghai and Shenzhen A-share in advance, selected this personal share code is tied in account corresponding to user, utilized this personal share short-swing buy of a upper day of trade, remove radix point and get its position, end 0 to 4 bit digital as dynamic password, get 0 expression and do not establish dynamic password, 0 to 4 dynamic password position in password is placed in Far Left or the rightmost of static password by user preset, this dynamic password also with event synchronization, be that user is after input password Transaction Success, the same day when transaction next time, 1 of the password ring shift left of the M position of containing dynamic password and static password that effective last time transaction is produced or ring shift right, ring shift left or ring shift right are by user preset, after the same day, the password of each transaction input was all by 1 of the upper same day one password ring shift left of effectively inputting when transaction or ring shift right, as run into Shang Yiwei stock market nontransaction day, select in advance two kinds of dynamic cipher generating methods by user, the first is used personal share short-swing buy official website of bank structure or a certain day of trade in past, be used as the Shang Yiwei stock market personal share short-swing buy of nontransaction day, at this moment upper day of trade short-swing buy and the Shang Yiwei stock market short-swing buy of nontransaction day of structure of ATM (Automatic Teller Machine) screen display personal share, its two be continue extend upper one day circulative shift operation, by the effective transaction count altogether after Transaction Success for the first time of upper stock market's day of trade, it is equivalent to ring shift figure place, continue ring shift left or ring shift right, the rest may be inferred until the Shang Yiwei stock market day of trade, when transaction, can in ATM (Automatic Teller Machine), show or install near ATM (Automatic Teller Machine) and show that the computer of stock markets of Shanghai and Shenzhen A-share individual company share quotations or corresponding display device help user's memory, ATM (Automatic Teller Machine) be receive by the control center of ATM (Automatic Teller Machine) net that official website of bank provides upper one the day of trade personal share short-swing buy, because stock markets of Shanghai and Shenzhen personal share short-swing buy quantity is a lot, therefore adopt blockette to show, each block all comprises Hu Qu He Shen district, each district divides several piece again, the bank card of holding magnetic stripe as user inserts after ATM (Automatic Teller Machine), if click the explicit identification symbol on ATM (Automatic Teller Machine) display screen, ATM (Automatic Teller Machine) just shows the block that one of them contains the preset personal share code of this user on screen, the personal share comprising in block and arrangement thereof be not for concrete certain user, user just can obtain effective dynamic password by preset personal share from personal share short-swing buy, and with the password of M position for the authentication of static password combination results, when user inputs the authentication success when consistent with the password combining in system of the password of combination, just can complete relationship trading, otherwise authentication failure, described password generating mode has multiple, by user's choice for use, while cracking, first want decryption generating mode, strengthen the security of password, therefore, password is except M position, it is the identifier of above-mentioned password generating mode to also have additional bit, hidden not directly as Password Input.
2. a kind of bank card based on quotations on the stock market identity identifying technology according to claim 1, is characterized in that its system also comprises:
The control center of official website of bank, ATM (Automatic Teller Machine) net, ATM (Automatic Teller Machine) composition, official website of bank every day by stock markets of Shanghai and Shenzhen A-share upper one the day of trade personal share short-swing buy data processing after, packing sends the control center of ATM (Automatic Teller Machine) net to, and this center is processed and packed and send each ATM (Automatic Teller Machine) to respectively.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210434143.4A CN102930646B (en) | 2012-11-05 | 2012-11-05 | Authentication technology based on stock market quotation |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210434143.4A CN102930646B (en) | 2012-11-05 | 2012-11-05 | Authentication technology based on stock market quotation |
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| CN102930646A CN102930646A (en) | 2013-02-13 |
| CN102930646B true CN102930646B (en) | 2014-08-06 |
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| CN201210434143.4A Active CN102930646B (en) | 2012-11-05 | 2012-11-05 | Authentication technology based on stock market quotation |
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Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103996246B (en) * | 2014-06-13 | 2016-06-08 | 张金木 | A kind of open transaction small electronic wallet |
Citations (5)
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|---|---|---|---|---|
| CN1622508A (en) * | 2004-12-13 | 2005-06-01 | 刘云清 | One-time password table based one-time password generation and authentication system and method |
| CN101038609A (en) * | 2006-03-17 | 2007-09-19 | 詹万均 | Dynamic safe identification/behavior confirming method |
| CN101059887A (en) * | 2007-06-18 | 2007-10-24 | 张师祝 | A bank card number and the second magnetic track main account number creation method and reading method |
| CN101162996A (en) * | 2007-11-16 | 2008-04-16 | 李巩令 | Multiple dynamic cipher device authorization identifying system and identifying method thereof |
| CN101404102A (en) * | 2008-11-03 | 2009-04-08 | 周忠杰 | Final bank password |
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2012
- 2012-11-05 CN CN201210434143.4A patent/CN102930646B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1622508A (en) * | 2004-12-13 | 2005-06-01 | 刘云清 | One-time password table based one-time password generation and authentication system and method |
| CN101038609A (en) * | 2006-03-17 | 2007-09-19 | 詹万均 | Dynamic safe identification/behavior confirming method |
| CN101059887A (en) * | 2007-06-18 | 2007-10-24 | 张师祝 | A bank card number and the second magnetic track main account number creation method and reading method |
| CN101162996A (en) * | 2007-11-16 | 2008-04-16 | 李巩令 | Multiple dynamic cipher device authorization identifying system and identifying method thereof |
| CN101404102A (en) * | 2008-11-03 | 2009-04-08 | 周忠杰 | Final bank password |
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| CN102930646A (en) | 2013-02-13 |
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Effective date of registration: 20200814 Address after: No.678-15, Xinmin North Road, Wutong street, Tongxiang City, Jiaxing City, Zhejiang Province Patentee after: Tongxiang Levi new materials Co.,Ltd. Address before: No.401, block 8, Yizhou Changshou garden, Taijiang District, Fuzhou City, Fujian Province Patentee before: Zhang Jinmu |