CN101848460A - Safe account operation method by connecting to website via double-communication channel mobile phone - Google Patents
Safe account operation method by connecting to website via double-communication channel mobile phone Download PDFInfo
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- CN101848460A CN101848460A CN200910106097A CN200910106097A CN101848460A CN 101848460 A CN101848460 A CN 101848460A CN 200910106097 A CN200910106097 A CN 200910106097A CN 200910106097 A CN200910106097 A CN 200910106097A CN 101848460 A CN101848460 A CN 101848460A
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Abstract
The invention provides a safe account operation method by connecting to a website via a double-communication channel mobile phone. The method comprises the following steps: when a user carries out account operations such as logging and the like, the double-communication channel mobile phone (3) is connected to the website (1) through a data channel to input operating information (7) such as a login name and the like; the website (1) calls the double-communication channel mobile phone (3) through a telephone network (5) to establish a voice channel and receive confirmation information (8) such as a login password of the user and the like through the voice channel; and the website (1) checks accurate operating information (7) and confirmation information (8) and then allows to carry out account operations. The safe account operation method has the advantages that the information is transmitted by two different channels between the website (1) and the mobile phone (3); the data channel is used for transmitting web contents, the login name and the like; the voice channel is used for transmitting the login password and the like; and even though a hacker steals the login name and the login password, the website can not be logged by the hacker who counterfeits the user without the mobile phone (3) of the user, thus guaranteeing safety of user account.
Description
[technical field]
The present invention relates to communication and Financial Information process field, particularly relate to a kind of duplex channel mobile phone connecting to website that uses and carry out safe account operation method.
[background technology]
At present, a lot of financial institutions all are provided with the website that online service is provided, and the user just can carry out each generic operation to this user's oneself account as long as login enters the website, as inquiry account balance, account transfer or the like transaction.Owing to use the online service of financial institution very convenient quick, and the user need not wait in line service to the sales counter of financial institution in person, so the people that gets more and more adopts these online services.
When but the user uses the online service of financial institution, will be in the face of the problem of network security, owing to be full of various websites on the Internet, comprise that some can disseminate the website of computer virus or wooden horse formula, if the user has entered these websites because of carelessness, the terminal that the user is used for surfing the Net also just may infect computer virus or wooden horse formula, then steal user's account's logon name and password by the wooden horse formula, part hacker even offer the capable website of some white alloys gains user's account's logon name and password then by cheating by the capable website of white alloy.After the hacker has obtained user's account's logon name and password, just can fake user login true website and steal assets in the account, make the user sustain a loss.
Above-described network security problem has had a strong impact on the online service that the user uses financial institution, and the user is as long as accidentally stolen account's logon name and password by the hacker, and consequence may be very serious.When the user uses online service, how to allow user security ground that the account is operated, being one has problem to be solved.
[summary of the invention]
Purpose of the present invention is to provide a kind of duplex channel mobile phone connecting to website that uses to carry out safe account operation method, when allowing the user use online service, can operate the account safely.
The object of the present invention is achieved like this, adopt a kind of like this duplex channel mobile phone connecting to website that uses to carry out safe account's method of operating, described website comprises the Web bank website, the capable website of share certificate, shopping websites etc. are provided with user's account's website, it is characterized in that, described method comprises the user, and the account of (1) carries out the account when operating in the website to own, the user uses duplex channel mobile phone (3) by the required operation information (7) of account's operation web page page input this account operation corresponding in data communication network (4) and the Internet (6) connecting to website (1), website (1) is called out duplex channel mobile phone (3) by telephone network (5) and is set up voice conversation then, and receiving user's affirmation information (8) by this voice conversation, website (1) is checked this operation information (7) and this confirmation (8) and is just allowed to carry out this account after errorless and operate.And described account's operation comprises the operation that login enters website (1), and described operation information (7) comprises logon name, and described confirmation (8) comprises login password.
In addition, purpose of the present invention also can be achieved like this, adopt a kind of like this duplex channel mobile phone connecting to website that uses to carry out safe account's method of operating, described website comprises the Web bank website, the capable website of share certificate, shopping websites etc. are provided with user's account's website, it is characterized in that, described method comprises the user, and the account of (1) carries out the account when operating in the website to own, the user uses duplex channel mobile phone (3) by the required operation information (7) of account's operation web page page input this account operation corresponding in data communication network (4) and the Internet (6) connecting to website (1), the user also uses duplex channel mobile phone (3) to call out website (1) by telephone network (5) and sets up voice conversation, the user uses duplex channel mobile phone (3) to send confirmation (8) to website (1) by this voice conversation then, checks the other side's telephone number of this operation information (7) and this confirmation (8) and this voice conversation by website (1) and just allows to carry out this account operation after errorless.
So just realized purpose of the present invention.
Advantage of the present invention is to surf the Net to when the website of online service (1) is provided, adopt two different communication path exchange messages between website (1) and the mobile phone (3), wherein, be used to exchange some information such as operation informations such as web page contents and logon name (7) relevant by the communication path between data communication network (4) and the Internet (6) with operation, and be used to exchange confirmations (8) such as some important information such as password by the communication path of telephone network (5), even the hacker has stolen logon name and password, the mobile phone (3) that does not have the user, the hacker can't be sent to the website with confirmation (8) with user's mobile phone (3), the account who just can't the fake user Website login enters the user has just ensured the safety of user account.
[description of drawings]
Fig. 1 is the schematic illustration that use duplex channel mobile phone connecting to website of the present invention carries out safe account operation method.
Among the figure, the system that identical digitized representation is identical, device, parts device, accompanying drawing are schematically, in order to the principal character of method of the present invention to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1, Fig. 1 is the schematic illustration that use duplex channel mobile phone connecting to website of the present invention carries out safe account operation method, comprise the website (1) that online service is provided shown in the figure, user's duplex channel mobile phone (3), data communication network (4), telephone network (5), the Internet (6), wherein, website (1) is by the Internet (6) and data communication network (4) and duplex channel mobile phone (3) telecommunication line mutually, telephone network (5) and duplex channel mobile phone (3) telecommunication line mutually can be passed through simultaneously in website (1), in this manual, described telephone network (5) comprises mobile telephone network and/or fixed telephone network, described mobile telephone network comprises GSM, CDMA, the voice conversation that provides between website and the duplex channel mobile phone (3) is provided in the present invention for the mobile telephone network that 3G or the like is all kinds of, telephone network (5).In this manual, described data communication network (4) is meant the disparate networks that data communication can be provided, and comprises the wireless network that WIFI network, WIMAX network, blue bud network or the like can allow the mobile phone line surf the Net.In addition, website (1) is except being provided with Website server, also interactive voice answering (IVR to be set, Interactive Voice Response) device (2) and be used for doing with user's duplex channel mobile phone (3) telephone line of voice conversation, while Website server also will be preserved each account's user's the telephone number of duplex channel mobile phone (3).
In this manual, described duplex channel mobile phone (3) is meant the mobile phone that can carry out data communication and voice conversation simultaneously, be provided with WIFI as some, WIMAX, the GSM of radio networking devices such as blue bud or the mobile phone of CDMA or 3G etc., when using these mobile phones, the user can use WIFI on one side, WIMAX, online connecting to website (1) such as blue bud, can make a telephone call to the at one time again interactive voice answering device (2) of website (1) is sent to website (1) by the voice conversation of being set up between duplex channel mobile phone (3) and the interactive voice answering device (2) with confirmation then.The user uses duplex channel mobile phone (3) that oneself account is carried out all kinds of accounts when operating, during as Website login, account transfer, payment, transaction or the like, operation information (7) and confirmation (8) can be sent to website (1) with data communication method and voice conversation mode respectively, by website (1) check the telephone number of the other side in operation information (7) and confirmation (8) and the voice conversation errorless after, will allow to carry out this account operation.
Continue to consult Fig. 1, the use duplex channel mobile phone connecting to website that Fig. 1 shows first embodiment of the invention carries out safe account operation method, described method comprises the user, and the account of (1) carries out the account when operating in the website to own, the user uses duplex channel mobile phone (3) by the required operation information (7) of account's operation web page page input this account operation corresponding in data communication network (4) and the Internet (6) connecting to website (1), website (1) is called out duplex channel mobile phone (3) by telephone network (5) and is set up voice conversation then, and receiving user's affirmation information (8) by this voice conversation, website (1) is checked this operation information (7) and this confirmation (8) and is just allowed to carry out this account after errorless and operate.
In the first embodiment of the present invention, described account's operation can comprise: login enters the operation of website (1), transfer accounts operation, delivery operation or the like, provide the website of online Stock Trading service if website (1) to be share certificate capable, described account's operation also comprises Stock Trading operation etc., and the content aspect of operation information (7) and confirmation (8), different account's operations have different contents, below are the case illustrated of these different accounts operations and operation information (7) and confirmation (8):
● described account's operation is the operation that login enters website (1), and described operation information (7) comprises logon name, and described confirmation (8) comprises login password.
● described account's operation is the account transfer operation, and described operation information (7) comprises transfer amount and/or collecting account information, and described confirmation (8) comprises account password.
● described account's operation is delivery operation, and described operation information (7) comprises payment and/or collecting account information, and described confirmation (8) comprises payment cipher.
● described account's operation is the Stock Trading operation, and described operation information (7) comprises stock number and/or stock name and/or Stock Trading valency and/or the stock quantity and/or the Stock Trading line amount of money, and described confirmation (8) comprises the affirmation password.
In addition, carry out in the safe account operation method at use duplex channel mobile phone connecting to website of the present invention, set up the voice conversation except calling out duplex channel mobile phone (3) by telephone network (5), can also adopt by duplex channel mobile phone (3) and set up voice conversation by telephone network (5) calling website (1) by website (1).It below is the explanation of the second embodiment of the present invention, second embodiment adopts to be made a call by duplex channel mobile phone (3) to set up voice conversation, the method of second embodiment comprises the user, and the account of (1) carries out the account when operating in the website to own, the user uses duplex channel mobile phone (3) by the required operation information (7) of account's operation web page page input this account operation corresponding in data communication network (4) and the Internet (6) connecting to website (1), the user also uses duplex channel mobile phone (3) to call out website (1) by telephone network (5) and sets up voice conversation, the user uses duplex channel mobile phone (3) to send confirmation (8) to website (1) by this voice conversation then, checks the other side's telephone number of this operation information (7) and this confirmation (8) and this voice conversation by website (1) and just allows to carry out this account operation after errorless.
In the second embodiment of the present invention, described account operation, operation information (7) and confirmation (8) wait and above-mentioned first embodiment in the account operate, operation information (7) and confirmation (8) etc. are identical, describe in detail among relevant in front first embodiment, so no longer repeat specification here.
In addition, though the present invention is illustrated with the above embodiments, the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation.
Use duplex channel mobile phone connecting to website of the present invention carries out safe account operation method, can effectively resist the problem that the hacker usurps the account, and its enforcement can ensure user's Account Security.
Claims (10)
1. one kind is used duplex channel mobile phone connecting to website to carry out safe account's method of operating, described website comprises the Web bank website, the capable website of share certificate, shopping websites etc. are provided with user's account's website, it is characterized in that, described method comprises the user, and the account of (1) carries out the account when operating in the website to own, the user uses duplex channel mobile phone (3) by the required operation information (7) of account's operation web page page input this account operation corresponding in data communication network (4) and the Internet (6) connecting to website (1), website (1) is called out duplex channel mobile phone (3) by telephone network (5) and is set up voice conversation then, and receiving user's affirmation information (8) by this voice conversation, website (1) is checked this operation information (7) and this confirmation (8) and is just allowed to carry out this account after errorless and operate.
2. use duplex channel mobile phone connecting to website as claimed in claim 1 carries out safe account's method of operating, it is characterized in that, described account's operation is the operation that login enters website (1), described operation information (7) comprises logon name, and described confirmation (8) comprises login password.
3. use duplex channel mobile phone connecting to website as claimed in claim 1 carries out safe account's method of operating, it is characterized in that, described account's operation is the account transfer operation, described operation information (7) comprises transfer amount and/or collecting account information, and described confirmation (8) comprises account password.
4. use duplex channel mobile phone connecting to website as claimed in claim 1 carries out safe account's method of operating, it is characterized in that, described account's operation is delivery operation, described operation information (7) comprises payment and/or collecting account information, and described confirmation (8) comprises payment cipher.
5. use duplex channel mobile phone connecting to website as claimed in claim 1 carries out safe account's method of operating, it is characterized in that, described account's operation is the Stock Trading operation, described operation information (7) comprises stock number and/or stock name and/or Stock Trading valency and/or the stock quantity and/or the Stock Trading line amount of money, and described confirmation (8) comprises the affirmation password.
6. one kind is used duplex channel mobile phone connecting to website to carry out safe account's method of operating, described website comprises the Web bank website, the capable website of share certificate, shopping websites etc. are provided with user's account's website, it is characterized in that, described method comprises the user, and the account of (1) carries out the account when operating in the website to own, the user uses duplex channel mobile phone (3) by the required operation information (7) of account's operation web page page input this account operation corresponding in data communication network (4) and the Internet (6) connecting to website (1), the user also uses duplex channel mobile phone (3) to call out website (1) by telephone network (5) and sets up voice conversation, the user uses duplex channel mobile phone (3) to send confirmation (8) to website (1) by this voice conversation then, checks the other side's telephone number of this operation information (7) and this confirmation (8) and this voice conversation by website (1) and just allows to carry out this account operation after errorless.
7. use duplex channel mobile phone connecting to website as claimed in claim 6 carries out safe account's method of operating, it is characterized in that, described account's operation is the operation that login enters website (1), described operation information (7) comprises logon name, and described confirmation (8) comprises login password.
8. use duplex channel mobile phone connecting to website as claimed in claim 6 carries out safe account's method of operating, it is characterized in that, described account's operation is the account transfer operation, described operation information (7) comprises transfer amount and/or collecting account information, and described confirmation (8) comprises account password.
9. use duplex channel mobile phone connecting to website as claimed in claim 6 carries out safe account's method of operating, it is characterized in that, described account's operation is delivery operation, described operation information (7) comprises payment and/or collecting account information, and described confirmation (8) comprises payment cipher.
10. use duplex channel mobile phone connecting to website as claimed in claim 6 carries out safe account's method of operating, it is characterized in that, described account's operation is the Stock Trading operation, described operation information (7) comprises stock number and/or stock name and/or Stock Trading valency and/or the stock quantity and/or the Stock Trading line amount of money, and described confirmation (8) comprises the affirmation password.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910106097A CN101848460A (en) | 2009-03-25 | 2009-03-25 | Safe account operation method by connecting to website via double-communication channel mobile phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910106097A CN101848460A (en) | 2009-03-25 | 2009-03-25 | Safe account operation method by connecting to website via double-communication channel mobile phone |
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|---|---|
| CN101848460A true CN101848460A (en) | 2010-09-29 |
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| CN200910106097A Pending CN101848460A (en) | 2009-03-25 | 2009-03-25 | Safe account operation method by connecting to website via double-communication channel mobile phone |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101051371A (en) * | 2006-04-07 | 2007-10-10 | 博经科技股份有限公司 | Network paying method and system |
| WO2008007162A1 (en) * | 2006-07-11 | 2008-01-17 | Ultra Proizvodnja Elektronskih Naprav D.O.O | Customer identification and authentication procedure for online internet payments using mobile phones |
| CN101286985A (en) * | 2008-04-19 | 2008-10-15 | 雷体文 | Identity verification system and method using telephone |
-
2009
- 2009-03-25 CN CN200910106097A patent/CN101848460A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101051371A (en) * | 2006-04-07 | 2007-10-10 | 博经科技股份有限公司 | Network paying method and system |
| WO2008007162A1 (en) * | 2006-07-11 | 2008-01-17 | Ultra Proizvodnja Elektronskih Naprav D.O.O | Customer identification and authentication procedure for online internet payments using mobile phones |
| CN101286985A (en) * | 2008-04-19 | 2008-10-15 | 雷体文 | Identity verification system and method using telephone |
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Address after: The International Chamber of Commerce building, No. 2 Beijing 100035 Xicheng District huapichang alley 16 Applicant after: Huang Jinfu Address before: 100032, Beijing, Financial Street, Xicheng District No. 27 investment Plaza, block B, 19 Applicant before: Huang Jinfu |
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| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20100929 |