TWM586414U - User login location GPS detection alert device of mobile internet banking application - Google Patents

Abstract

A GPS detection and warning device for a mobile Internet banking application user login location is provided in a mobile device with a Global Positioning System (GPS) function, and is connected to a mobile online bank, which includes a processing unit , A verification unit, a positioning unit, a login position error setting unit, a storage unit, a position comparison unit, and a position result production unit. In this way, when users log in to Mobile Internet Banking with a mobile device, in addition to the user account and password, a user security alert mechanism is also provided to automatically use the user's current geographical location data as a way to strengthen user identity verification. There is no need to force re-authentication of other identity confirmation mechanisms, and users can be notified by text message that their mobile online banking is being attempted by an illegal user, and immediately receive the geographic location information of the illegal user, which can provide government investigation of cyber crimes Relevant units to support the information.

Description

Mobile Internet Banking App User Login Location GPS Detection Warning Device

This creation relates to a GPS detection warning device for a mobile Internet banking application user's login location, and in particular relates to a mobile Internet banking login with a mobile device, in particular, it can provide user security alerts in addition to user accounts and passwords Mechanism to strengthen user identity verification.

The convenience of mobile devices has greatly changed the lives of the people of the new generation. In order to provide functions that are closer to the lives of people, mobile devices also relatively store a large amount of confidential information of individuals. More people also use mobile devices as accounting tools. Log in to your mobile Internet bank for payment transfers and other operations. The current mobile internet banking provided by various financial institutions takes user IDs and passwords as login requirements, and whether the information on mobile devices is secure or not depends on the habits of individual users. In other words, user codes and passwords may be stolen by people with intentional installation of software from unknown sources, resulting in loss of personal property or rights.

At the current stage, the mobile Internet banking application (APP) provided by each bank to the customer will notify the applicant by e-mail or text message when the customer enters the wrong user code or password. In order for the applicant to know and take precautions (for example, it is recommended to change the code or password as soon as possible). However, the applicant can only know that someone is trying to log in to their online bank account, but they cannot know where they are trying to log in, and they cannot provide relevant units for investigating online crimes as supporting information. Therefore, the general user cannot meet the needs of the user in actual use.

The main purpose of this creation is to overcome the above problems encountered in conventional techniques and to raise Provides a way for users to log in to Mobile Internet Banking with a mobile device. In addition to the user account and password, it also provides a user security alert mechanism to automatically use the user's current geographic location data to strengthen user identity verification without the need for Forced re-authentication of other identity confirmation mechanisms, and can inform users that their mobile Internet banking is being attempted by an illegal user, and immediately receive the geographic location information of the illegal user's current location, which can provide government investigation of cyber crimes. Mobile Internet banking application users who corroborate information from relevant units. GPS detection warning device.

In order to achieve the above purpose, this creation is a mobile internet banking application user login location GPS detection warning device, which is set in a mobile device and connected with mobile internet banking, which includes: a processing unit, which can be used as The processing and control of the mobile Internet banking application user's login location when the GPS detection and warning device operates; an authentication unit connected to the processing unit for verifying the account and password for logging in to the mobile online banking; a positioning unit, It is connected to the processing unit and is used to automatically detect the current geographic location data when logging in to the mobile internet bank. A login location error setting unit is connected to the processing unit and can be used to set an error that allows the geographical location of the login source. Value; a storage unit connected to the processing unit, which can at least store the mobile door number of the mobile device that registered the mobile internet bank, the account and password for logging in to the mobile internet bank, the current geographic location information, and allowed login The error value of the source geographic location, where the current geographic location data includes previous successful logins Geographical location data; a location comparison unit connected to the processing unit that can compare the current geographic location data with the geographical location data of previous successful logins in the storage unit at each login to generate a The difference value, and determine whether the difference value is within the range of the error value; and a position result production unit, which is connected to the processing unit, can produce the registration position result based on the comparison of the position comparison unit, and according to the The result of the login position determines whether the user is allowed to log in. When the difference value is within the error value range, the user is allowed to log in. When the difference value is outside the error value range, the system Generate a One Time Password (OTP), and send the OTP password and the current geographic location data to the registered action of the user with a verification message based on the mobile door number of the mobile device in the storage unit The door number makes it impossible for an illegal user to obtain the OTP password and log in to the mobile internet bank, and a legitimate user can obtain the OTP password through the verification message and enter it into the verification unit, and the verification unit verifies the After the user ’s identity is a legitimate user, the user is allowed to log in. At the same time, the user is asked whether to record the current geographic location data in the storage unit, and provide the legitimate user to discover the mobile network through the verification message. When a bank is being tried to log in by an illegal user, it can automatically generate a note and provide a warning to notify the government unit.

In the above-mentioned embodiment of the present invention, the mobile device is a smart phone, a tablet computer, a notebook computer, or a wearable device with a Global Positioning System (GPS) function.

In the above-mentioned embodiment of the present invention, after the verification message is sent to the mobile gate number registered by the user, the processing unit instructs the verification unit to display a message verification code entry page for the user to enter the OTP password.

In the above embodiment of the present invention, the range of the error value is set to 30 ~ 200 meters.

In the above embodiment of the present invention, when the processing unit receives the registration information transmitted by the mobile internet banking application user login location GPS detection warning device for the first time from the mobile device, it automatically records the current geographical location data to the Storage unit.

In the above embodiment of the present invention, the positioning unit is a global positioning system for receiving a satellite positioning signal, and the processing unit generates the geographic position data according to the satellite positioning signal, and the geographic position data includes attributes of longitude and latitude data.

In the above embodiment of the present invention, the processing unit is a central processing unit.

In the above embodiment of the present invention, the storage unit includes at least a user and mobile device database, a geographic location database, and an allowable error value database.

In the above-mentioned embodiment of the present invention, the user and mobile device database can store the mobile door number of the mobile device registered with the mobile online bank, and the account and password for logging in to the mobile online bank. The geographical location database can Store the current geographical location data. The allowable error value database can store the error value of the allowed login source geographic location.

In the above-mentioned embodiment of the present creation, the location-result production unit includes at least one SMS production module and an illegal annotation production module.

In the above-mentioned embodiment of this creation, the SMS production module can produce a verification message based on the OTP password required for verifying the user and the geographic location data of the user's current location. The illegal annotation production module can be based on the verification The newsletter warns the user whether it is a legal user or an illegal user, and according to the result of the note, the current geographical location information of the illegal user is produced, and the current geographical location information of the illegal user is produced as a notification to the government Proof of the unit.

1‧‧‧ processing unit

2‧‧‧verification unit

3‧‧‧ positioning unit

4‧‧‧ Login position error setting unit

5‧‧‧Storage unit

51‧‧‧User and mobile device database

52‧‧‧Geographic database

53‧‧‧Allowable error database

6‧‧‧Position matching unit

7‧‧‧ position result production unit

71‧‧‧News Production Module

72‧‧‧ Illegal annotation production module

Figure 1 is a block diagram of this creation.

Please refer to "Figure 1" for a block diagram of this creation. As shown in the figure: this creation is a GPS detection and warning device for the mobile Internet banking application user's login location. It is set in a mobile device. The mobile device can have a Global Positioning System (GPS) function. Smartphones, tablets, laptops, or wearables. References in this creation Mobile Internet banking application user login location GPS detection warning device, which includes a processing unit 1, a verification unit 2, a positioning unit 3, a login position error setting unit 4, a storage unit 5, a position comparison unit 6, and a position-resulting production unit 7.

The processing unit 1 mentioned above may be a central processing unit, used as the verification unit 2, the positioning unit 3, the login position error setting unit 4, the storage unit 5, the position comparison unit 6 and the position result. The control unit 7 provides operation, control, processing, encoding, decoding, and various driving instructions.

The verification unit 2 is connected to the processing unit 1 and is used to verify the account and password for logging in to the mobile internet bank.

The positioning unit 3 is connected to the processing unit 1 and is used to automatically detect the current geographic location data when logging in to the mobile internet bank. The positioning unit 3 is a global positioning system for receiving a satellite positioning signal. The processing unit 1 generates the geographical position data according to the satellite positioning signal, and the geographical position data includes attribute data of longitude and latitude.

The login position error setting unit 4 is connected to the processing unit 1 and can be used to set an error value for the geographical location of the allowed login source, and the error value range is set to 30 ~ 200 meters.

The storage unit 5 is connected to the processing unit 1 and includes at least a user and mobile device database 51, a geographic location database 52, and an allowable error value database 53. The user and mobile device database 51 can store the mobile door number of the mobile device registered with the mobile online bank, and the account and password for logging in to the mobile online bank, and the geographical location database 52 can store the current geographical location Data, the allowable error value database 53 may store the allowable error of the geographical location of the log-in source, wherein the current geographical location data includes the geographical location data of previous successful logins.

The position comparison unit 6 is connected to the processing unit 1 and can be displayed at each login. A comparison is made between the geographical location data in the location and the geographical location data of previous successful logins in the storage unit 5 to generate a difference value, and it is determined whether the difference value is within the error value range.

The location result production unit 7 is connected to the processing unit 1 and can generate a login location result based on the comparison of the location comparison unit 6 and determine whether to allow a user to log in based on the login location result. As a result, the production unit 7 includes at least one SMS production module 71 and an illegal annotation production module 72. When the difference value is within the error value range, the user is allowed to log in. When the difference value is in the Outside the error value range, a one-time password (OTP) is generated, and according to the mobile door number of the mobile device in the storage unit 5, the SMS production module 71 verifies the OTP password required by the user And the user ’s current geographic location data produces a verification message, and the verification message is used to send the OTP password and the current geographic location data to the mobile number registered by the user, and the processing unit 1 instructs the The verification unit 2 displays a text message verification code input page for the user to enter the OTP password, so that an illegal user cannot obtain the OTP password and it is difficult to log in to the mobile internet bank, and a legitimate user can obtain the OTP password through the verification text message and Input to the authentication unit 2, the authentication unit 2 verifies the user's identity through the OTP password, and then allows the user to log in, and asks the user whether Record the current geographic location data into the storage unit 5, and the illegal annotation production module 72 can note the warning to the user as a legal user or an illegal user according to the verification message, and according to the annotation result, Produce the current geographic location information of the illegal user, and use the current geographic location information of the illegal user as the evidence to notify the government unit, so as to provide the legitimate user to find that the mobile Internet bank is authenticating through the verification message. When an illegal user attempts to log in, he can automatically generate a note and provide a warning to notify the government unit. If so, a new mobile internet banking application user login location GPS detection warning device is constituted by the disclosed device.

When this creation is in use, the mobile internet banking application user login for this creation The GPS detection and warning device can be implemented in a smart phone and connected to a mobile internet bank. The processing unit 1 is the central processing unit of the smart phone, the verification unit 2, the positioning unit 3, and the login position. The error setting unit 4, the storage unit 5, the position comparison unit 6, and the position result production unit 7 are programs in a smart phone, and are stored in a memory, and the storage unit 5 may be a memory, and It also has a touch screen for related output and operation.

In actual use, first, when installing this creative mobile internet banking application, the user must agree to open the application (APP) to access the GPS location information when logging in to the GPS detection warning device. When the user (user) logs in to the mobile internet banking with a smart phone for the first time, the processing unit 1 will automatically record the use of the registration information transmitted by the GPS detection warning device of the mobile internet banking application user login location for the first time. The current geographic location data is stored in the storage unit 5, and the user can set the allowable error value (distance) by himself. Each time you log in to Mobile Internet Banking, after the verification of the user account and password is successful, the verification unit 2 then automatically compares the current location data with the location data of previous successful logins to generate a difference. value. The location result production unit 7 compares the current geographical location data with the previous successful login location information. If the error value is within the error value, the user is allowed to log in. If it is outside the error value, the verification message is used to send the OTP password. And the location data where you are currently logged in, to the mobile door number where the user is registered. At this time, after the legal user obtains the OTP password, he can log in normally after entering the SMS verification code input page displayed on the verification unit 2. The author also asks if he wants to record the geographic location information of the current login for comparison in future logins. Illegal users cannot log in to Mobile Internet Banking because they cannot obtain OTP passwords.

The advantages and benefits of using this device are as follows:

1. In addition to the user account and password, provide a user security alert mechanism to strengthen user identity verification.

2. Each time you log in to Mobile Internet Banking, the user's current geographical location data is automatically used as a strengthened authentication mechanism, and there is no need to force re-verification of other identity confirmation mechanisms.

3. When there is an illegal user in other countries or regions trying to log in to others' mobile Internet banking, the legal user as the original applicant can immediately receive a text notification with the current geographical location information, which can provide the government Corroborative information from relevant units investigating cybercrime.

To sum up, this creation is a GPS detection warning device for the user's login location of a mobile online banking application, which can effectively improve the shortcomings of habituation. When users log in to mobile online banking with a mobile device, in addition to the user account, In addition to the password, it also provides a user security alert mechanism, which automatically uses the user's current geographic location data as an enhanced user identity verification, without the need to force re-verification of other identity confirmation mechanisms, and can inform users that their mobile online banking is being When an illegal user tries to log in, he immediately receives the geographic location information of the illegal user, so that he can provide corroborative information of relevant units in the government's investigation of cybercrime, so that the creation of this creation can be more progressive, practical and consistent. The needs of users have indeed met the requirements for new patent applications, and they have filed patent applications in accordance with the law.

However, the above are only the preferred embodiments of the creation, and the scope of the implementation of the creation cannot be limited by this; therefore, any simple equivalent changes and modifications made in accordance with the scope of the patent application for the creation and the contents of the new specification , Should still fall within the scope of this creative patent.

Claims (11)

A GPS detection and warning device for a mobile internet banking application user login location is provided in a mobile device and is connected to the mobile internet banking, and includes: a processing unit, which can be used as the mobile internet banking application user login Processing and control of the position GPS detection and warning device during operation; an authentication unit connected to the processing unit for verifying the account and password for logging in to the mobile internet bank; a positioning unit connected to the processing unit for logging in When the mobile internet bank is located, it automatically detects the current geographic location data; a login location error setting unit, which is connected to the processing unit, can be used to set an error value for the allowed geographic location of the login source; a storage unit, which is connected to the The processing unit can at least store the mobile door number of the mobile device that registered the mobile online bank, the account and password for logging in to the mobile online bank, the current geographical location data, and the error value of the geographical location from which the login is allowed. The current geographical location information includes the geographical location information of previous successful logins; a location ratio A unit, which is connected to the processing unit, can compare the geographical location data of the current location with the geographical location data of previous successful logins in the storage unit at each login to generate a difference value, and judge the difference value Whether it is within the range of the error value; and a position result production unit connected to the processing unit, which can produce the login position result based on the comparison of the position comparison unit, and judge whether to allow the user based on the login position result Login, when the difference value is within the error value range, the user is allowed to log in. When the difference value is outside the error value range, a one-time password (OTP) is generated and stored according to the The mobile door number of the mobile device in the unit sends an OTP password and the current geographic location data to the mobile door number registered by the user with a verification message, making it impossible for illegal users to obtain the OTP password and log in to the operation Internet banking, and legal users can obtain the OTP password through the verification message and enter it into the verification unit, and the verification unit passes the The OTP password allows the user to log in after verifying the user ’s identity as a legitimate user, and asks the user whether to record the current geographic location data in the storage unit, and provides the legitimate user to find out through the verification message When the mobile internet bank is being tried to log in by an illegal user, it can automatically generate a note and provide a warning to notify the government unit. According to the mobile Internet banking application user login location GPS detection warning device described in item 1 of the scope of patent application, wherein the mobile device is a smart phone with Global Positioning System (GPS) function, Tablet, laptop, or wearable. The mobile Internet banking application user's login location GPS detection warning device according to item 1 of the scope of the patent application, wherein the processing unit instructs the verification unit after the verification message is sent to the mobile gate number registered by the user Display the SMS verification code entry page for the user to enter the OTP password. According to the mobile Internet banking application user login location GPS detection warning device described in item 1 of the scope of the patent application, the error value range is set to 30 ~ 200 meters. The mobile Internet banking application user login location GPS detection warning device according to item 1 of the scope of the patent application, wherein the processing unit receives GPS detection of the mobile online banking application user login location GPS detection of the mobile device When the registration information sent by the warning device for the first time, it automatically records the current geographical location data to the storage unit. According to the mobile Internet banking application user login position GPS detection warning device according to item 1 of the scope of patent application, wherein the positioning unit is a global positioning system for receiving a satellite positioning signal, and the processing unit is based on the satellite The positioning signal is used to generate the geographic position data, and the geographic position data includes attribute data of longitude and latitude. According to the mobile Internet banking application user login location GPS detection warning device described in the first patent application scope, wherein the processing unit is a central processing unit. The mobile Internet banking application user's login location GPS detection warning device according to item 1 of the scope of patent application, wherein the storage unit includes at least a database of users and mobile devices, a database of geographic locations, and a permission Database of error values. The mobile Internet banking application user's login location GPS detection warning device according to item 8 of the scope of the patent application, wherein the user and the mobile device database can store the mobile door number of the mobile device in which the mobile online bank is registered , And the login account and password of the mobile internet bank, the geographic location database can store the current geographic location data, and the allowable error value database can store the deviation value of the allowed login source geographic location. According to the mobile Internet banking application user's login location GPS detection warning device according to item 1 of the scope of patent application, the location result production unit includes at least one location GPS detection warning device, wherein the location result production system The unit includes at least one SMS production module and one illegal annotation production module. According to the mobile Internet banking application user login location GPS detection warning device described in item 10 of the scope of the patent application, the SMS production module can verify the OTP password required by the user and the user's current location Geolocation data production verification newsletter, the illegal annotation production module can note the warning to the user as a legal user or illegal user according to the verification newsletter, and according to the result of the annotation, the production location of the illegal user is now located Data, and use the geographical location information of the illegal users of the production system as evidence to notify the government unit.