CN101140672A - Method for indentifying true identification of bank card owner - Google Patents
Method for indentifying true identification of bank card owner Download PDFInfo
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- CN101140672A CN101140672A CNA2007101815758A CN200710181575A CN101140672A CN 101140672 A CN101140672 A CN 101140672A CN A2007101815758 A CNA2007101815758 A CN A2007101815758A CN 200710181575 A CN200710181575 A CN 200710181575A CN 101140672 A CN101140672 A CN 101140672A
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Abstract
The invention relates to a method for authentication on real identity of bankcard-holders, which is the way to make encryption processing to the bank card by means of wireless communication. The system used in the invention is composed of a mobile phone, a communication network, a banking service platform and a banking information database. The operating steps of the said method are that first, to register and bind the bank card with the mobile phone; second, to modify password and make activation on it; third, to have transaction business through the bank card binding with the mobile phone. The invention verifies the identification of the bank card holders by mobile phone number and special cipher, both of which are indispensable. Each operation must be achieved by the banking service platform and the next manipulation should be carried on while the permit password instantly occurs after authentication, which prevents the cash theft even if the bank card and mobile phone are all held by others. Thus the invention guarantees the safety and reliability of the bank card.
Description
Technical field
The present invention relates to a kind ofly to the recognition methods of bank card card holder true identity, is that a kind of wireless telecommunications means of utilizing are carried out cipher processing method to bank card, is a kind of method that prevents that bank card from illegally being usurped.
Background technology
At present, commercial bank's bank card operation networked system, comprise ATM (Automatic Teller Machine) (ATM), POS machine, Web bank, telephone bank based on bank card and the recognition methods of card holder's true identity, mainly by bank card magnetic track information, bank card primary account number and card holder's password identification bank card card holder true identity.Employed information channel was single when bank card card holder and the bank information of carrying out was transmitted, and promptly all information are all passed through an information channel transmission.In the bank card operating process of reality, because the information transmission channels is single, lawless person, criminal gang install special device near ATM (Automatic Teller Machine) (ATM), POS machine, steal bank card information by all information that record bank card card holder reveals when operating, or on network, scatter the bank card information that virus is stolen the Internet bank, or the bank card information that pen recorder is stolen telephone bank is installed on fixed telephone.Except that copying illegally the security information such as bank card card holder's bank card primary account number and card holder's password by special devices such as camera, false keyboard, sound-track engraving apparatus are installed on gate control system, Possum, also utilize to survey equipment such as record machine and steal magnetic track information on the bank card magnetic stripe, utilize the pseudo-card of the information issuing of stealing mix the genuine with the fictitious consumption, enchashment without restraint again.The most simply be that the secret camera head, binoculars, utilization of being provided with of lawless person observed and peeped the means such as action that the holder presses button and steal bank card password, cause heavy economic losses for card holder and issuing bank.In a word, the information transmission channels is single imports the major reason that the place openly fixedly is a generation bank card operational risk with password.Steal card holder individual operator password, steal card holder's true identity exactly.How to solve the bank card holder in the input bank card password problem that is stolen during password, this is only the key that guarantees the bank card handling safety.
Summary of the invention
For overcoming prior art problems, the present invention proposes a kind of to the recognition methods of bank card card holder true identity.Described method utilization has wireless communication technique now, real-time getting in touch when concluding the business with bank, and with the card card holder's of Confirm Bank identity, the permit operation password card holder that bank sends in real time behind the identity validation uses.The permit operation password uses the back immediate cancel to be dormant state, with the safety of guaranteeing that bank card uses.
The object of the present invention is achieved like this: a kind of to the recognition methods of bank card card holder true identity, the system that described method is used comprises: mobile phone, communication network, banking platform, bank information storehouse, and the operating procedure of described method is:
Registration is with the step of bank card and handset binding, the phone number that the bank card card holder uses issuing bank foreground registration individual is also set initial password and with described phone number and initial password and the binding of bank card primary account number, and the bank foreground is bound described phone number and initial password and bank card primary account number and is stored in the bank information storehouse;
The step of revising password and activating, the bank card card holder uses the mobile phone of described registration phone number to get in touch with voice mode and banking platform by communication network, described banking platform is imported bank card primary account number and described initial password by voice suggestion bank card card holder, the banking platform is compared binding bank card primary account number phone number and initial password that card holder in bank card primary account number and described initial password and phone number of making and the bank information storehouse applies for the registration of, to confirm card holder's identity, if information errors then send information errors information, the special purpose system that the banking platform forms described mobile phone with voice presenting bank card card holder by the modification initial password if information is correct activates the bank card with described handset binding.The banking platform will be revised advisory bank card card holder by note after revising successfully.
By the step of concluding the business with the bank card of handset binding.
The beneficial effect that the present invention produces is: transmit information by two information channels of the original communication system of SMS and bank, bank card card holder true identity is determined.Use convenient, fast, the safety again of wireless communication technique, mobile phone input special purpose system good concealment, be difficult for stolen.And at any special purpose system that can use place input the present invention proposition of mobile phone, the assurance special purpose system is not stolen by other people when input.The phone number of employing of the present invention and bank card binding and special purpose system are determined card holder's true identity three indispensable.Each operation is all carried out authentication by the banking platform, and the instant permit operation password that produces in authentication back activates the bank card operation, and the permit operation password is sent in the bank card card holder mobile phone by note.Even peep when the bank card card holder is observed by others during the import admission operator password that also it doesn't matter on ATM automatic teller machine or POS machine, because the permit operation password finishes just to have cancelled at business operation.This setting permit operation cryptographic methods is observed and is scattered on the means such as action peeping the holder and press button, the network that virus is stolen the bank card information of the Internet bank or pen recorder is installed on fixed telephone is stolen the bank card information of telephone bank even hacker and enter the bank card data storehouse to steal bank card information also of no use in that camera head, binoculars, utilization are installed near ATM automatic teller machine or the POS machine.Because the permit operation password that the bank card information of stealing produces by authentication activates the bank card operation, all information of the bank card of stealing all are that the dead letter of dormant state must not cease and operated.Because the information transmission channels of using in the transaction is two, crucial special purpose system is to transmit in the SMS in another information transmission channels, and other information are transmitted in the information channel of former banking system.Having got rid of lawless person, criminal gang utilizes equipment such as surveying the record machine to steal the possibility of the magnetic track information on the bank card magnetic stripe in ATM (Automatic Teller Machine) (ATM).Got rid of and utilized virus to steal the possibility of all information of bank card of the Internet bank.Also got rid of on landline telephone pen recorder is installed and steal all telephone banks bank card all information may.Owing to set special purpose system is exactly that other people steal a large amount of bank card information and have forged bank card and stolen mobile phone, also can't steal card holder's property, get rid of the generation possibility of all bank card fraudulent activities, really guaranteed security and reliability that bank card is operated.
Description of drawings
The invention will be further described below in conjunction with drawings and Examples.
Fig. 1 is the system schematic that the embodiment of the invention one described method is used;
Fig. 2 is the operation synoptic diagram of the embodiment of the invention one described method;
Fig. 3 is the operation synoptic diagram of the embodiment of the invention three described methods;
Fig. 4 is the operation synoptic diagram of the embodiment of the invention four described methods;
Fig. 5 is the operation synoptic diagram of the embodiment of the invention five described methods;
Fig. 6 is the operation synoptic diagram of the embodiment of the invention six described methods.
Embodiment
Embodiment one:
Present embodiment is described to be a kind of to the recognition methods of bank card card holder true identity, and the system that described method is used comprises: mobile phone, communication network, banking platform, bank information storehouse, as shown in Figure 1.Mobile phone is the common general mobile phone that can send information, does not have any specific (special) requirements.Communication network comprises cable telephone network, internet, LAN (Local Area Network), wireless telecommunications net, allly is applied in the public sphere and can have the communication network that links and all included.The banking platform comprises the mechanism that certain commercial bank carries out miscellaneous service, comprise the concept nature general name of pairing banking travelling mechanism when each outlet of bank, Web bank, Mobile banking, telephone bank, user carry out business contact by ATM automatic teller machine and POS and bank, the described banking platform of present embodiment should comprise SMS communication information platform, the network platform, information bank is corresponding with database docks.To the process of bank card card holder true identity recognition methods as shown in Figure 2, operating procedure is:
Registration is with the step of bank card and handset binding, the bank card card holder applies for registration of a phone number of use and sets initial password and with described phone number and initial password and bank card binding on the issuing bank foreground, the banking platform is stored in the bank information storehouse with described phone number and initial password and bank card primary account number.
The bank card card holder applies for registration of the password and the binding of bank card primary account number of a phone number and setting 6 bit digital (if the initial password of setting is one 6 bit digital) and registers on the bank foreground.
If newly just handled the card holder of bank card should be in the application form personal information conscientiously the registration password filling in my phone number and establish 6 bit digital (if the initial password of setting is one 6 bit digital) bind with the bank card primary account number and register.If handled password and the bank card primary account number binding registration that the bank card card holder applies for registration of phone number to the card sending mechanism place and establishes 6 bit digital (if the initial password of setting is one 6 bit digital).Bank clerk must be registered according to the strict examination card holder true identity of identifying of relevant regulations, and the initial password of setting during application for registration can't be manipulated, and treats that the mobile phone initial password is modified as special purpose system, can manipulate.
The step of revising password and activating, the bank card card holder uses described and mobile phone bank card binding is got in touch with voice mode and banking platform by communication network, described banking platform is imported bank card primary account number and described initial password by voice suggestion bank card card holder, the banking platform is compared bank card primary account number and described initial password with the phone number of making and the phone number and the initial password of the binding bank card primary account number in the bank information storehouse, to confirm card holder's identity, if information errors then send information errors information, the banking platform forms described mobile phone special purpose system with voice presenting bank card card holder by the modification initial password and activates bank card with described handset binding if information is correct.The banking platform will be revised advisory bank card card holder by note after revising successfully.
If the card holder who has newly just handled bank card, wait for claimant and get the bank card initial password of just can making amendment and form described mobile phone special purpose system and activate bank card., can revise initial password and form described mobile phone special purpose system and activate bank card after handling card holder's registration of bank card if be.Initial password is revised and is formed the operation that described mobile phone special purpose system can only activate the bank card authentication, and authentication determines that the permit operation password that produces could activate the business operation transaction of bank card.
Revising initial password must be the phone number of my registration, putting through the banking platform confirms by the # key by voice prompting input bank card primary account number, 6 bit digital initial passwords of input registration (if the initial password of setting is one 6 bit digital), pressing the # key confirms, import 6 new bit digital as special purpose system (if the special purpose system of setting is one 6 bit digital), press the # key and confirm, re-enter 6 new bit digital passwords again and confirm to revise successfully by the # key.The banking platform will be revised advisory bank card card holder by note after revising successfully.
By the step of concluding the business with the bank card of handset binding.Use described method of present embodiment and bank carry out the process of business contact and transaction and use ordinary bank's card basic identical, just some variation of process that authenticates.During operation, the bank card card holder sends bank card primary account number and special purpose system with SMS to the banking platform, and request banking platform carries out authentication to the bank card card holder.Authentication is passed through, and produces one group of bank card permit operation password immediately and activates the bank card operation, and the permit operation password is sent note in bank card card holder's mobile phone.The bank card card holder receives permit operation password short message, can be on the issuing bank foreground or inter-bank ATM (Automatic Teller Machine) (ATM), POS machine swipe the card, the import admission operator password authenticates to the banking platform.Authentication is passed through, and the business operation transaction such as can deposit, withdraw, transfer accounts.
The operation of Web bank, the bank card card holder uses SMS and sends bank card primary account number and special purpose system to the banking platform, and request banking platform carries out authentication to the bank card card holder.Authentication is passed through, and the operator password that secures permission activates the bank card internet banking operation; Input bank card primary account number, permit operation password and online certificate authenticate to the banking platform on the webpage of the Internet bank, the Internet-based banking services operation such as just can inquire about, transfer accounts after the authentication and conclude the business.
Need only the phone number of bank card card holder use and bank card binding when using Mobile banking, input bank card primary account number, special purpose system authenticate to the banking platform, authentication by after can conclude the business according to the voice suggestion of banking platform mobile banking service operation such as inquire about, transfer accounts.
When using telephone bank, the bank card card holder should use with the phone number of bank card binding and ask for the operation of permit operation password activation bank card telephone bank to banking platform transmission bank card primary account number and special purpose system, put through the banking platform and authenticate to the banking platform according to voice suggestion input bank card primary account number, permit operation password, authentication is by inquiring about, transfer accounts the banking operation transaction of expecting someone's call by the call voice prompting.
The permit operation password activates the bank card operation, operates in five to ten minutes in limited time, and as bank card card holder inoperation at the appointed time, the permit operation password disappears automatically and is dormant state.Even all bank card information of described dormant state all are in halted state, must not operate, breaking dormancy state card holder to carry out authentication again, ask for the permit operation password again, can activate the bank card operation.Permit operation password card holder authentication once, produce once, then operation is once.Card holder's business operation finishes, and the permit operation password also just disappears automatically and is dormant state.The bank card card holder should delete all professional SMS information immediately behind mobile phone operation.Special purpose system can be made amendment as initial password, and the bank card card holder should often revise special purpose system, prevents that the security information leakage is stolen.Card holder's mobile phone or bank card are lost stolen, should in time call to issuing bank: input bank card primary account number, phone number, special purpose system are handled and are reported the loss.Apply for registration of phone number and initial password registration formality when waiting to handle new bank card again, or after handling new phone number, set up new registration procedure registration to the application of card sending mechanism register office again.
The described activation of present embodiment refers to and makes certain operation become exercisable process by operating, and the present invention includes two activations: carry out professional activation with activation, the bank card of the bank card of handset binding.Described binding refers to a bank card primary account number and a phone number links together; A special purpose system and a bank card card holder true identity link together, and can determine mutually.This binding relationship that interknits can be stated as the bank card primary account number of phone number binding in the present invention, also can be stated as the phone number of bank card primary account number binding; Can be stated as the bank card card holder true identity of special purpose system binding equally, also can be stated as the special purpose system of bank card card holder true identity binding; The bank card primary account number of phone number binding and the binding of special purpose system and bank card card holder true identity be can be stated as, the bank card card holder true identity of special purpose system binding and the binding of phone number and bank card primary account number also can be stated as.Described initial password refer to the bank card card holder credit card issuer registration with own phone number bank's password of setting for the first time during with the binding of bank card primary account number, this password can be confirmed as bank card card holder's true identity also can confirm as mobile phone, can also confirm as the bank card of handset binding.Described special purpose system refers to the password that obtains after the bank card card holder revises initial password.By this special purpose system can Confirm Bank card card holder true identity, also can confirm the mobile phone with bank card binding, can also confirm the bank card of handset binding conversely.Described special purpose system can only activate bank card authentication operation; Described permit operation password could activate bank card business operation transaction, and described permit operation password must could produce by authentication and obtain.Described permit operation password disappears automatically and all is in halted state for dormant state is meant permit operation password and all bank card information, must not operate.
Embodiment two:
Present embodiment be described in the embodiment one to the improvement in the step of passing through to conclude the business in the recognition methods of bank card card holder true identity, as shown in Figure 3 with the bank card of handset binding.
Comprise by the substep in the step of concluding the business with the bank card of handset binding:
The bank card card holder uses with the mobile phone of bank card binding and gets in touch with note and banking platform, sends the primary account number of described bank card, the substep of special purpose system.
The banking platform is compared bank card primary account number, special purpose system and the phone number received and the store information in bank information storehouse, if mistake then send the information errors note, if correctly then enter the next son step.
After the card card holder of the banking platform Confirm Bank authentication, produce one group of permit operation password immediately and be sent to by note in bank card card holder's the mobile phone, send the substep that the permit operation password begins countdown in 5-10 minute simultaneously.
The bank card card holder will give the bank foreground or insert bank transaction terminal in 5-10 minute after receiving the permit operation password with the bank card of phone number binding, and on current bank foreground or bank transaction terminal the import admission operator password, the bank information platform authenticates the permit operation password of bank card magnetic track information and input, if it is correct, then the bank card card holder can deposit, get, transfer accounts, the transaction of business operations such as inquiry, the permit operation password disappears automatically and is the substep of dormant state if the bank card card holder did not operate in 5-10 minute.
The banking platform is by the note advisory bank card card holder that will conclude the business after the Transaction Success, and described permit operation password disappears automatically and is the substep of dormant state.
Embodiment three:
Bank transaction terminal described in the step of passing through to conclude the business with the bank card of handset binding described in the described embodiment of being two of present embodiment is ATM (Automatic Teller Machine) ATM or POS machine.
Embodiment four:
Present embodiment is the improvement of step that passing through described in the embodiment two concluded the business with the bank card of handset binding, and process is to use the Internet bank to carry out professional process as shown in Figure 4.Substep in the described process comprises:
The bank card card holder uses with the mobile phone of bank card binding and gets in touch with note and banking platform, sends the primary account number of described bank card, the substep of special purpose system.
The banking platform is compared bank card primary account number, special purpose system and the phone number received and the store information in bank information storehouse, if mistake then send the information errors note, if correctly then enter the next son step.
After the card card holder of the banking platform Confirm Bank authentication, produce one group of permit operation password immediately and be sent to by note in bank card card holder's the mobile phone, send the substep that the permit operation password begins countdown in 5-10 minute simultaneously.
The bank card card holder receives behind the permit operation password substep of the Internet bank's webpage under the described bank card of login in 5-10 minute.
The substep of input bank card primary account number, permit operation password and online certificate on described webpage.
The substep of banking platform by the data and the store information in the bank information storehouse of bank card card holder input are compared and authenticated.
Authentication is carried out Internet bank's business operation transaction by back bank card card holder, and transaction is finished back banking platform by the note advisory bank card card holder that will conclude the business, and the automatic disappearance of described permit operation password is the substep of dormant state.
Embodiment five:
Present embodiment is the improvement of the step of concluding the business with the bank card of handset binding of passing through described in the embodiment two, and process is to use Mobile banking to carry out professional process as shown in Figure 5.Substep in the described process comprises:
The bank card card holder uses the substep of connecting the banking platform with the mobile phone of bank card binding.
The bank card card holder uses with the mobile phone of bank card binding and puts through the substep of banking platform by voice prompting input bank card primary account number and special purpose system;
The banking platform is compared the store information in bank card primary account number, special purpose system and phone number and the bank information storehouse and is authenticated, if mistake then voice suggestion mistake, shut-down operation.If correctly then enter the next son step.
After authentication was passed through, the bank card card holder was by the voice prompt of mobile phone substep of mobile banking service operation such as inquire about, transfer accounts.
Embodiment six:
Present embodiment is the improvement of the step of concluding the business with the bank card of handset binding of passing through described in the embodiment two, process as shown in Figure 6 in, be the process of using bank card business by telephone bank, the substep of described process comprises:
The bank card card holder uses landline telephone to connect the substep of banking platform.
The bank card card holder uses with the mobile phone of bank card binding and gets in touch with note and banking platform, sends the primary account number of described bank card, the substep of special purpose system.
The banking platform is compared bank card primary account number, special purpose system and the phone number received and the store information in bank information storehouse, if mistake then send the information errors note, if correctly then enter the next son step.
After the card card holder of the banking platform Confirm Bank authentication, produce one group of permit operation password immediately and be sent to by note in bank card card holder's the mobile phone, send the substep that the permit operation password begins countdown in 5-10 minute simultaneously.
The bank card card holder used landline telephone to connect the banking platform in 5-10 minute after receiving the permit operation password, press voice prompting input bank card primary account number and permit operation password, the bank information platform authenticates bank card primary account number, the permit operation password of input, if it is correct, the banking operation of expecting someone's call of then can inquiring about, transfer accounts, the permit operation password disappears automatically and is the substep of dormant state if the bank card card holder did not operate in 5-10 minute.
The banking platform is by the note advisory bank card card holder that will conclude the business after the Transaction Success, and described permit operation password disappears automatically and is the substep of dormant state.
Claims (6)
1. one kind to the recognition methods of bank card card holder true identity, and the system that described method is used comprises: mobile phone, communication network, banking platform, bank information storehouse is characterized in that the operating procedure of described method:
Registration is with the step of bank card and handset binding, the bank card card holder applies for registration of the phone number that the individual uses and sets initial password and described phone number and initial password are bound with the bank card primary account number on the issuing bank foreground, the bank foreground is stored in the bank information storehouse with described phone number and initial password and bank card primary account number;
The step of revising password and activating, the bank card card holder uses described mobile phone to get in touch with voice mode and banking platform by communication network, described banking platform is imported bank card primary account number and described initial password by voice suggestion bank card card holder, the banking platform is compared the phone number and the initial password of the binding bank card primary account number that card holder in bank card primary account number and described initial password and phone number of making and the bank information storehouse applies for the registration of, to confirm card holder's identity, if information errors then send information errors information, the special purpose system that the banking platform forms described mobile phone with voice presenting bank card card holder by the modification initial password if information is correct activates the bank card with described handset binding.The banking platform will be revised advisory bank card card holder by note after revising successfully;
By the step of concluding the business with the bank card of handset binding.
2. according to claim 1 a kind of to the recognition methods of bank card card holder true identity, it is characterized in that described by the substep in the step of concluding the business with the bank card of handset binding:
The bank card card holder uses with the mobile phone of bank card binding and gets in touch with note and banking platform, sends the primary account number of described bank card, the substep of special purpose system;
The banking platform is compared primary account number, special purpose system and the phone number received and the store information in bank information storehouse, if mistake then send the information errors note, if correctly then enter the next son step;
After the card card holder of the banking platform Confirm Bank authentication, produce one group of permit operation password immediately and be sent to by note in bank card card holder's the mobile phone, send the substep that the permit operation password begins countdown in 5-10 minute simultaneously;
The bank card card holder will give the bank foreground or insert bank transaction terminal in 5-10 minute after receiving the permit operation password with the bank card of handset binding, and on current bank foreground or bank transaction terminal the import admission operator password, the banking platform authenticates the permit operation password of bank card magnetic track information and input.Authentication by deposit, withdraw, transfer accounts, the transaction of business operation such as inquiry, the bank card card holder did not operate then the permit operation password and disappears automatically and be the substep of dormant state in 5-10 minute;
Carry out business, transaction is finished back banking platform by the note advisory bank card card holder that will conclude the business, and the automatic disappearance of described permit operation password is the substep of dormant state.
3. according to claim 2 a kind of to the recognition methods of bank card card holder true identity, it is characterized in that described is ATM (Automatic Teller Machine) ATM or POS machine by the bank transaction terminal described in the step of concluding the business with the bank card of handset binding.
4. according to claim 1 a kind of to the recognition methods of bank card card holder true identity, it is characterized in that the substep in the described step of carrying out internet bank trade by bank card with handset binding:
The bank card card holder uses with the mobile phone of bank card binding and gets in touch with note and banking platform, sends the primary account number of described bank card, the substep of special purpose system;
The banking platform is compared primary account number, special purpose system and the phone number received and the store information in bank information storehouse, if mistake then send the information errors note, if correctly then enter the next son step;
After the card card holder of the banking platform Confirm Bank authentication, produce one group of permit operation password immediately and be sent to by note in bank card card holder's the mobile phone, send the substep that the permit operation password begins countdown in 5-10 minute simultaneously;
The bank card card holder receives behind the permit operation password substep of the Internet bank's webpage under the described bank card of login in 5-10 minute;
The substep of input bank card primary account number, permit operation password and online certificate on described webpage;
The substep of banking platform by the store information in bank card primary account number, permit operation password and the online certificate and the bank information storehouse of bank card card holder input is compared and authenticated;
Authentication is carried out the operation of Internet-based banking services by back bank card card holder, and the operation transaction is finished back banking platform by the note advisory bank card card holder that will conclude the business, and the automatic disappearance of described permit operation password is the substep of dormant state.
5. according to claim 1 a kind of to the recognition methods of bank card card holder true identity, it is characterized in that the substep in the described step of carrying out mobile banking transaction by bank card with handset binding:
The bank card card holder uses the substep of putting through the banking platform with the mobile phone of bank card binding;
The bank card card holder uses with the mobile phone of bank card binding and puts through the substep of banking platform by voice prompting input bank card primary account number and special purpose system;
The banking platform is compared bank card primary account number, special purpose system and the phone number received and the store information in the bank information storehouse and is authenticated, if mistake then voice suggestion mistake, if shut-down operation is correctly then enter the next son step;
After authentication was passed through, the bank card card holder was by the voice prompt of mobile phone substep of mobile banking service operation such as inquire about, transfer accounts.
6. according to claim 1 a kind of to the recognition methods of bank card card holder true identity, it is characterized in that the substep in the described step of carrying out telephone bank transaction by bank card with handset binding:
The bank card card holder uses landline telephone to connect the substep of banking platform;
The bank card card holder uses with the mobile phone of bank card binding and gets in touch with note and banking platform, sends the primary account number of described bank card, the substep of special purpose system;
The banking platform is compared primary account number, special purpose system and the phone number received and the store information in bank information storehouse, if mistake then send the information errors note, if correctly then enter the next son step;
After the card card holder of the banking platform Confirm Bank authentication, produce one group of permit operation password immediately and be sent to by note in bank card card holder's the mobile phone, send the substep that the permit operation password begins countdown in 5-10 minute simultaneously;
The bank card card holder used landline telephone to connect the banking platform in 5-10 minute after receiving the permit operation password, press voice prompting input bank card primary account number, permit operation password, the banking platform authenticates bank card primary account number, the permit operation password of input, if it is correct, then the bank card card holder can point out the banking operation of expecting someone's call of inquiring about, transfer accounts by voice, and the permit operation password disappears automatically and is the substep of dormant state if the bank card card holder did not operate in 5-10 minute;
Transaction is finished back banking platform by the note advisory bank card card holder that will conclude the business, and the automatic disappearance of described permit operation password is the substep of dormant state.
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| Application Number | Priority Date | Filing Date | Title |
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| CNA2007101815758A CN101140672A (en) | 2007-10-23 | 2007-10-23 | Method for indentifying true identification of bank card owner |
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| CNA2007101815758A CN101140672A (en) | 2007-10-23 | 2007-10-23 | Method for indentifying true identification of bank card owner |
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| CN101140672A true CN101140672A (en) | 2008-03-12 |
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| CNA2007101815758A Pending CN101140672A (en) | 2007-10-23 | 2007-10-23 | Method for indentifying true identification of bank card owner |
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| CN103544418A (en) * | 2013-11-05 | 2014-01-29 | 电子科技大学 | Authentication device, system and method based on electronic transaction |
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