CN112995227B - One-stop information service platform based on three-party credit management - Google Patents
One-stop information service platform based on three-party credit management Download PDFInfo
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- CN112995227B CN112995227B CN202110520830.7A CN202110520830A CN112995227B CN 112995227 B CN112995227 B CN 112995227B CN 202110520830 A CN202110520830 A CN 202110520830A CN 112995227 B CN112995227 B CN 112995227B
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0807—Network architectures or network communication protocols for network security for authentication of entities using tickets, e.g. Kerberos
Abstract
The invention is suitable for the technical field of computers, and provides a one-stop information service platform based on three-party credit management, which comprises a terminal, a cloud server and a client, wherein the cloud server is used for receiving a request instruction of the client, analyzing the type of the request instruction and judging the type of the request instruction, when the request instruction meets a preset condition, forwarding the request instruction to the terminal to obtain data and forwarding the data to the client, and when the request instruction does not meet the preset condition, establishing a safe transmission channel with the client and obtaining secondary identity authentication information from the client; the invention has the beneficial effects that: the client is verified by utilizing the wireless local area network address and/or the ICCID serial number with high uniqueness, so that the user is limited to send a related request instruction only by using a specific client to a certain extent, and even if the account is stolen, the problem of economic loss and the like can be avoided because the client cannot be authorized.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a one-stop information service platform based on three-party credit management.
Background
The credit management is a special technology for scientifically managing the credit transaction by a credit provider to control credit risk, and the credit management is to solve the risk problem existing in the credit transaction by a party providing credit by using a management method.
With the development of technology, based on an information service platform created by banks, consumers can use mobile phones or mobile phone apps to perform businesses such as account transfer, inquiry and the like, but still lawless persons can cause leakage of account numbers and passwords through various channels (such as trojan viruses, counterfeit websites or scanning two-dimensional codes containing illegal links and the like), and property loss, credit damage and the like of users are caused. The illegal mode generally has the characteristic that the account password is illegally acquired, and then the illegal mode logs in through different places or other modes to steal property and the like.
Based on the above, the application provides a one-stop information service platform based on three-party credit management.
Disclosure of Invention
The embodiment of the invention aims to provide a one-stop information service platform based on three-party credit management, and aims to solve the technical problems in the prior art determined in the background art.
The embodiment of the invention is realized in such a way that a one-stop information service platform based on three-party credit management comprises:
the cloud server comprises a client, a cloud server and a server, wherein the client is used for carrying out identity verification on a user, sending a request instruction of the user to the cloud server after the identity verification is finished, providing secondary identity authentication information about the client to the cloud server after a secure transmission channel with the cloud server is established, and receiving data forwarded by the cloud server, wherein the request instruction comprises at least an inquiry instruction and a transfer instruction;
the cloud server is used for receiving a request instruction of a client, analyzing the type of the request instruction and judging, when the request instruction meets a preset condition, forwarding the request instruction to the terminal to obtain data and forwarding the data to the client, when the request instruction does not meet the preset condition, establishing a safe transmission channel with the client, obtaining secondary identity authentication information from the client, and when the secondary identity authentication information passes verification, forwarding the request instruction to the terminal to obtain data and forwarding the data to the client; and
and the terminal is used for receiving the request instruction forwarded by the cloud server and returning corresponding data to the cloud server.
As a further scheme of the invention: the client comprises:
the identity authentication module is used for authenticating the identity of the user;
the first communication module is used for carrying out data communication with the cloud server;
and the request instruction sending module is used for sending a request instruction of a user to the cloud server.
As a still further scheme of the invention: the client further comprises:
the client identity acquisition module is used for acquiring identity information of the client so as to be verified by the cloud server, and the identity information of the client at least comprises a wireless local area network address and/or an ICCID serial number.
As a still further scheme of the invention: the cloud server includes:
the instruction receiving module is used for receiving a request instruction of a client;
the analysis and judgment module is used for analyzing the type of the request instruction and judging whether the request instruction meets a preset condition or not;
the secondary identity authentication module is used for establishing a safe transmission channel with the client when the request instruction does not meet a preset condition, and acquiring secondary identity authentication information from the client; and
and the second communication module is used for communicating with the terminal, forwarding the request instruction to the terminal to acquire data and forwarding the data to the client when the request instruction meets a preset condition, and forwarding the request instruction to the terminal to acquire data and forwarding the data to the client when the secondary identity authentication information passes verification.
As a still further scheme of the invention: the secondary identity authentication module comprises:
a secondary identity authentication information receiving unit, configured to receive identity information of a client, where the identity information at least includes a wireless local area network address and/or an ICCID serial number;
the system comprises a channel establishing unit, a channel establishing unit and a processing unit, wherein the channel establishing unit is used for establishing a safe transmission channel based on a safe key with a client before receiving identity information of the client;
the authentication database unit is used for storing a wireless local area network address and/or an ICCID serial number preset by a user; and
and the secondary judgment unit is used for judging the identity information of the client, and judging that the authentication is passed when the identity information of the client is the same as the wireless local area network address and/or the ICCID serial number of the corresponding client stored in the authentication database unit.
As a still further scheme of the invention: the terminal includes:
the receiving module is used for receiving a request instruction forwarded by the cloud server; and
and the data returning module is used for returning the data corresponding to the request instruction to the cloud server.
As a still further scheme of the invention: the cloud server further comprises a feedback module which is used for feeding back the judgment results or the authentication results of the analysis judgment module and the secondary identity authentication module to the client.
As a still further scheme of the invention: the client further comprises:
the display module is used for displaying the interactive information; and
and the input module is used for a user to input a request instruction.
As a still further scheme of the invention: the client further comprises:
and the state detection module is used for detecting the communication state between the client and the cloud server, and when the communication state between the client and the cloud server is disconnected or the disconnection state continues to reach a set time interval, the client performs identity authentication on the user again.
Compared with the prior art, the invention has the beneficial effects that: by means of the judgment of the request instruction and the two-time identity verification, the user can correspondingly execute the request in the corresponding authority according to the judgment result of the request instruction, particularly, the client is verified by using the wireless local area network address and/or the ICCID serial number with high unicity, the user is limited to be capable of sending the relevant request instruction only by using the specific client to a certain extent, and even if the account is stolen, the problems of economic loss and the like can be avoided because the client cannot be authorized.
Drawings
Fig. 1 is a schematic structural diagram of a one-stop information service platform based on three-party credit management.
FIG. 2 is a flowchart illustrating a three-party credit management based one-stop information service platform.
FIG. 3 is a schematic diagram of a client in a one-stop information service platform based on three-party credit management.
Fig. 4 is a schematic structural diagram of a cloud server in a one-stop information service platform based on three-party credit management.
Fig. 5 is a schematic structural diagram of a secondary identity authentication module in a one-stop information service platform based on three-party credit management.
Fig. 6 is a schematic structural diagram of a terminal in a one-stop information service platform based on three-party credit management.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Specific implementations of the present invention are described in detail below with reference to specific embodiments.
As shown in fig. 1, a structure diagram of a one-stop information service platform based on three-party credit management provided for an embodiment of the present invention includes a client 100, a cloud server 200, and a terminal 300, where the client 100 is configured to perform authentication on a user, send a request instruction of the user to the cloud server 200 after the authentication is completed, provide secondary authentication information about the client 100 to the cloud server 200 after a secure transmission channel with the cloud server 200 is established, and receive data forwarded by the cloud server 200, where the request instruction includes at least an inquiry instruction and a transfer instruction; the cloud server 200 is configured to receive a request instruction of the client 100, analyze and determine the type of the request instruction, forward the request instruction to the terminal to obtain data and forward the data to the client 100 when the request instruction meets a preset condition, establish a secure transmission channel with the client 100 when the request instruction does not meet the preset condition, obtain secondary authentication information from the client 100, and forward the request instruction to the terminal 300 to obtain data and forward the data to the client 100 when the secondary authentication information passes verification; the terminal 300 is configured to receive the request instruction forwarded by the cloud server 200, and return corresponding data to the cloud server 200.
In an embodiment of the present invention, the client 100 may be a device such as a smart phone and a tablet pc installed with a corresponding App, which is not specifically limited herein, and the terminal 300 may be a server terminal of a corresponding financial institution, which is not specifically limited herein.
As shown in fig. 2, in practical application, in the embodiment of the present invention, the client 100 performs identity authentication first, and a specific identity authentication manner may be short message authentication, password authentication, fingerprint authentication, and the like, which is a conventional authentication manner, and this embodiment is not specifically limited herein, after the authentication is completed, a user may log in to the client 100 and send a request instruction to the cloud server 200, where the request instruction may be an inquiry instruction, a transfer instruction, a password modification instruction, and the like, and taking the inquiry instruction as an example, in the cloud server 200, after receiving the inquiry instruction of the user, the cloud server may determine the inquiry instruction of the user first, and specifically determine what the specific authority of the inquiry instruction of the user is, for example, the inquiry instruction of the user is only used to inquire account information, and the inquiry instruction belonging to a lower authority may directly inquire, when the query instruction is an instruction for querying higher authority such as account balance information, the verification needs to be performed again to ensure the account and credit security of the user, that is, the preset conditions in this embodiment refer to: and judging whether the query instruction of the user exceeds the corresponding authority setting.
Namely: when the query instruction of the user does not exceed the corresponding permission setting, that is, the preset condition is met, the cloud server 200 forwards the request instruction to the terminal 300, and the terminal 300 returns corresponding data and forwards the data to the client 100 through the cloud server 200; when the query instruction of the user exceeds the corresponding permission setting, that is, the query instruction does not meet the preset condition, a secure transmission channel with the client 100 is established, and secondary identity authentication information is acquired from the client 100, where the secondary identity authentication information refers to authentication information for the client 100 to determine whether the client 100 can obtain authorization, and only when the client 100 can obtain authorization, the request instruction can be forwarded to the terminal 300, that is, only when both the user and the client 100 obtain authorization, the request instruction exceeding the permission setting can obtain a response, which can effectively improve the security performance of the account or credit of the user.
As shown in fig. 3, as a preferred embodiment of the present invention, the client 100 includes an authentication module 101, a first communication module 102, and a request instruction sending module 103, where the authentication module 101 is configured to authenticate a user; the first communication module 102 is configured to perform data communication with a cloud server; the request instruction sending module 103 is configured to send a request instruction of a user to a cloud server.
In the embodiment of the present invention, preferably, the authentication module 101 may perform authentication through short message authentication, password authentication, fingerprint authentication, and the like, which are common authentication manners in the prior art, and this embodiment is not specifically limited herein, and when in actual application, when the client 100 runs, the client will first perform authentication through the authentication module 101, and the request instruction of the user can be sent to the outside through the first communication module 102 and the request instruction sending module 103 after the authentication is passed.
As shown in fig. 3, as another preferred embodiment of the present invention, the client 100 further includes a client identity collecting module 104, where the client identity collecting module 104 is configured to collect identity information of the client 100 for verification by the cloud server 200, and the identity information of the client 100 at least includes a wireless local area network address and/or an ICCID serial number.
In the embodiment of the present invention, the client identity acquisition module 104 is configured to extract the identity information of the client 100, and correspondingly, the identity information of the client 100 at least includes a wireless local area network address and/or an ICCID serial number. In practical application of the present embodiment, for the ue 100, the communication status is not two cases, namely, the mobile network and the wireless network of the ue, and correspondingly, the wireless lan address and the ICCID serial number have uniqueness and correlation with the ue 100, which will be described later.
As shown in fig. 4, as another preferred embodiment of the present invention, the cloud server 200 includes an instruction receiving module 201, an analysis and determination module 202, a secondary identity authentication module 203, and a second communication module 204, where the instruction receiving module 201 is configured to receive a request instruction of a client 100; the analysis and determination module 202 is configured to analyze the type of the request instruction and determine whether the request instruction meets a preset condition; the secondary identity authentication module 203 is configured to establish a secure transmission channel with the client 100 when the request instruction does not meet a preset condition, and acquire secondary identity authentication information from the client 100; the second communication module 204 is configured to communicate with the terminal 300, forward the request instruction to the terminal 300 to obtain data and forward the data to the client 100 when the request instruction meets a preset condition, and forward the request instruction to the terminal 300 to obtain data and forward the data to the client 100 when the secondary authentication information passes verification.
In this embodiment of the present invention, the analysis and determination module 202 is configured to analyze and determine a query instruction of a user, where specific determination content may be what specific authority of the query instruction of the user is, for example, the query instruction of the user is only used to query account information, and a query instruction belonging to a lower authority may be directly queried, and when the query instruction is used to query an instruction with a higher authority such as account balance information, verification needs to be performed again to ensure an account, credit security, and the like of the user, that is, the preset condition in this embodiment refers to: and judging whether the query instruction of the user exceeds the corresponding authority setting.
It should be noted that the secure transmission channel described in this embodiment is generated based on a secure transmission key, and is mainly used to ensure the security of the authentication information of the client 100 during transmission and ensure the security of the authentication information of the client 100.
As shown in fig. 5, as another preferred embodiment of the present invention, the secondary authentication module 203 includes a secondary authentication information receiving unit 2031, a channel establishing unit 2032, an authentication database unit 2033, and a secondary determining unit 2034, where the secondary authentication information receiving unit 2031 is configured to receive identity information of the client 100, where the identity information at least includes a wireless local area network address and/or an ICCID serial number; the channel establishing unit 2032 is configured to establish a secure transmission channel based on a secure key with the client 100 before receiving the identity information of the client 100; the authentication database unit 2033 is configured to store a wireless local area network address and/or an ICCID serial number preset by a user; the secondary determining unit 2034 is configured to determine the identity information of the client 100, and determine that the authentication is passed when the identity information of the client 100 is the same as the wireless local area network address and/or the ICCID serial number of the corresponding client stored in the authentication database unit.
In practical application of the embodiment of the present invention, the wireless local area network address and/or the ICCID serial number preset by the user refers to the wireless local area network address and/or the ICCID serial number of the client 100 determined by the user or the user, specifically, taking the user as an example when registering, the user may obtain the wireless local area network address and/or the ICCID serial number of the client 100 when registering using the client 100, where the ICCID serial number refers to the network serial number of the SIM card corresponding to the user when using the mobile network, and has high unicity, and the wireless local area network address refers to the local area network address when the user connects to the wireless network during registering, or the address of the wireless local area network commonly used by the user, such as the wireless network of a home/work unit.
After the user confirms, the wireless lan address and/or the ICCID serial number of the client 100 used by the user during registration may be set by the user to be in a common state, and stored in the authentication database unit 2033 (or may be subsequently changed according to the user requirement), which is also the basis for performing identity verification subsequently. Actually, in the embodiment, when the method is actually applied, it is limited to a certain extent that the user can only send the relevant request instruction by using the specific client 100, and the problems of economic loss and the like caused by account theft are effectively avoided.
As shown in fig. 6, as another preferred embodiment of the present invention, the terminal 300 includes a receiving module 301 and a data returning module 302, where the receiving module 301 is configured to receive a request instruction forwarded by the cloud server 200; the data returning module 302 is configured to return data corresponding to the request instruction to the cloud server 200.
In this embodiment, since the cloud server 200 bears a large number of functions such as determination and calculation, in actual application, the operation load of the terminal 300 can be effectively reduced, and the normal operation of the terminal 300 is ensured.
As shown in fig. 4, as another preferred embodiment of the present invention, the cloud server 200 further includes a feedback module 205, and the feedback module 205 is configured to feed back the determination results or authentication results of the analysis determination module 202 and the secondary identity authentication module 203 to the client 100.
In the embodiment of the present invention, the feedback module 205 may feed back an analysis result of the query instruction of the user and an authentication result of the client 100, and particularly, preferably, only a result when the determination is over-authorized or fails is fed back to prompt the user of an error condition.
For example, after the request instruction of the user is sent, the analysis and determination module 202 may feed back "request over permission" to the client 100 after determining that the query instruction of the user exceeds the corresponding permission setting, and may also feed back "client authentication failure" to the client 100 when the authentication result of the client 100 is failure, and the like, which is not specifically limited in this embodiment.
As shown in fig. 3, as another preferred embodiment of the present invention, the client 100 further includes a display module 105 and an input module 106, where the display module 105 is used to display interactive information; the input module 106 is used for a user to input a request instruction.
In one case of this embodiment, the display module 105 may be a display screen, and the input module 106 may be a keyboard or a virtual keyboard, and preferably, the display module 105 and the input module 106 may be integrated into a touch display screen, which may display interactive information or input an instruction.
As shown in fig. 3, as another preferred embodiment of the present invention, the client 100 further includes a status detection module 107, where the status detection module 107 is configured to detect a communication status between the client 100 and the cloud server 200, and when the communication status between the client 100 and the cloud server 200 has a disconnected status or the disconnected status continues to reach a set time interval, enable the client 100 to perform authentication on the user again.
In the embodiment of the present invention, the state detection module 107 is configured to detect that the communication state has a disconnected state or the disconnected state continues to reach a set time interval, that is, risks such as information loss may be caused by unstable network or long-time non-operation of the client 100 by the user, and therefore, by detecting whether the above situations exist, possible risks are avoided.
Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.
It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.
Claims (9)
1. A one-stop information service platform based on three-party credit management, comprising:
the cloud server comprises a client, a cloud server and a server, wherein the client is used for carrying out identity verification on a user, sending a request instruction of the user to the cloud server after the identity verification is finished, providing secondary identity authentication information about the client to the cloud server after a secure transmission channel with the cloud server is established, and receiving data forwarded by the cloud server, wherein the request instruction at least comprises an inquiry instruction and a transfer instruction;
the cloud server is used for receiving a request instruction of a client, analyzing the type of the request instruction and judging, when the request instruction meets a preset condition, forwarding the request instruction to the terminal to obtain data and forwarding the data to the client, when the request instruction does not meet the preset condition, establishing a safe transmission channel with the client, obtaining secondary identity authentication information from the client, and when the secondary identity authentication information passes verification, forwarding the request instruction to the terminal to obtain data and forwarding the data to the client; and
and the terminal is used for receiving the request instruction forwarded by the cloud server and returning corresponding data to the cloud server.
2. The three-party credit management-based one-stop information service platform as claimed in claim 1, wherein the client comprises:
the identity authentication module is used for authenticating the identity of the user;
the first communication module is used for carrying out data communication with the cloud server;
and the request instruction sending module is used for sending a request instruction of a user to the cloud server.
3. The three-party credit management-based one-stop information service platform as claimed in claim 2, wherein the client further comprises:
the client identity acquisition module is used for acquiring identity information of the client so as to be verified by the cloud server, and the identity information of the client at least comprises a wireless local area network address and/or an ICCID serial number.
4. The three-party credit management-based one-stop information service platform according to claim 1, wherein the cloud server comprises:
the instruction receiving module is used for receiving a request instruction of a client;
the analysis and judgment module is used for analyzing the type of the request instruction and judging whether the request instruction meets a preset condition or not;
the secondary identity authentication module is used for establishing a safe transmission channel with the client when the request instruction does not meet a preset condition, and acquiring secondary identity authentication information from the client; and
and the second communication module is used for communicating with the terminal, forwarding the request instruction to the terminal to acquire data and forwarding the data to the client when the request instruction meets a preset condition, and forwarding the request instruction to the terminal to acquire data and forwarding the data to the client when the secondary identity authentication information passes verification.
5. The three-party credit management-based one-stop information service platform according to claim 4, wherein the secondary identity authentication module comprises:
a secondary identity authentication information receiving unit, configured to receive identity information of a client, where the identity information at least includes a wireless local area network address and/or an ICCID serial number;
the system comprises a channel establishing unit, a channel establishing unit and a processing unit, wherein the channel establishing unit is used for establishing a safe transmission channel based on a safe key with a client before receiving identity information of the client;
the authentication database unit is used for storing a wireless local area network address and/or an ICCID serial number preset by a user; and
and the secondary judgment unit is used for judging the identity information of the client, and judging that the authentication is passed when the identity information of the client is the same as the wireless local area network address and/or the ICCID serial number of the corresponding client stored in the authentication database unit.
6. The three-party credit management-based one-stop information service platform according to claim 1, wherein the terminal comprises:
the receiving module is used for receiving a request instruction forwarded by the cloud server; and
and the data returning module is used for returning the data corresponding to the request instruction to the cloud server.
7. The one-stop information service platform based on three-party credit management as claimed in claim 4, wherein the cloud server further comprises a feedback module for feeding back the determination result or the authentication result of the analysis determination module and the secondary identity authentication module to the client.
8. The three-party credit management-based one-stop information service platform according to claim 2 or 3, wherein the client further comprises:
the display module is used for displaying the interactive information; and
and the input module is used for a user to input a request instruction.
9. The three-party credit management-based one-stop information service platform as claimed in claim 4, wherein the client further comprises:
and the state detection module is used for detecting the communication state between the client and the cloud server, and when the communication state between the client and the cloud server is disconnected or the disconnection state continues to reach a set time interval, the client performs identity authentication on the user again.
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| CN117354069B (en) * | 2023-12-06 | 2024-02-13 | 自然资源陕西省卫星应用技术中心 | Remote sensing data management system and method based on data lake |
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| KR102646761B1 (en) * | 2016-09-07 | 2024-03-13 | 삼성전자주식회사 | Method and electronic device for registration of financial account and payment using the same |
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