CN101854628A - Password verification system and password verification method - Google Patents

Password verification system and password verification method Download PDF

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Publication number
CN101854628A
CN101854628A CN201010155712A CN201010155712A CN101854628A CN 101854628 A CN101854628 A CN 101854628A CN 201010155712 A CN201010155712 A CN 201010155712A CN 201010155712 A CN201010155712 A CN 201010155712A CN 101854628 A CN101854628 A CN 101854628A
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user
money
password
communication terminal
module
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CN201010155712A
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Chinese (zh)
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王卫东
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Individual
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Individual
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Abstract

The invention discloses a password verification system, comprising an acquisition module, a password verification module, a short message generation module and a settlement module. The password verification module compares first password information acquired by the acquisition module with preset first baseline information to finish password verification operation, then acquires a preset mobile phone number corresponding to a user according to the identity identifying information acquired by the acquisition module, and provides the identity identifying information and the mobile phone number to the short message generation module to enable the short message generation module to generate an anticipate money drawing short message for promoting the user to input second password information. The short message generation module sends the anticipate money drawing short message to a mobile communication terminal of the user and receives the second password information input by the user through the mobile communication terminal. The password verification module generates a paying out signal to the settlement module when the second password information is identical to preset second baseline information after the information is compared. The settlement module pay outs money corresponding to the money mount value according to the paying out signal.

Description

Password validation system and method for password authentication
Technical field:
The present invention relates to information security field, particularly a kind of password validation system and method for password authentication.
Background technology:
The development of Internet technology impels financial service dealer (for example, bank) to provide convenience for people's financial payment demand.For example, bank provides ATM (Automatic Teller Machine, ATM) and online payment system, the user can carry out financial transaction by ATM terminal or the online payment system that is installed on the PC.So, provide convenience for user's daily life.
Yet, there are following safety problem in existing ATM terminal and online payment system: the lawless person is secret on the ATM terminal to install camera or card reader and utilizes computer virus to implant trojan horse program in the PC of validated user, with card number information and the encrypted message of stealing validated user, utilize the card number information and the encrypted message that obtain to steal the fund of propping up validated user then.
Summary of the invention:
In view of this, be necessary the password validation system that provides a kind of security performance higher.
The method of password authentication that provides a kind of security performance higher also is provided.
A kind of password validation system comprises acquisition module, password authentication module, short message generation module and settlement module.This acquisition module is used to respond user's the service request of drawing, obtain user's identity identification information and display password inputting interface and obtain first encrypted message that the user imports on interface for password input, and obtain the amount of money value that the user imports on the amount of money interface of withdrawing the money that shows.This password authentication module is used for first encrypted message that will obtain and preset first reference information relatively, and is comparing first encrypted message when identical with preset first reference information, the demonstration amount of money interface of withdrawing the money.This password authentication module also be used for according to the identity identification information that obtains obtain prestore with the corresponding communication terminal number of user, and identity identification information, communication terminal number and amount of money value offered this short message generation module.This short message generation module is used for being used to point out the user to import the precognition note of withdrawing the money of second encrypted message according to the identity identification information that receives, communication terminal number and the generation of amount of money value, and the precognition note of will withdrawing the money sends to mobile communication server, and the precognition note sends to user's communication terminal so that mobile communication server will be withdrawn the money.This short message generation module is used to also to receive that mobile communication server provides utilizes second encrypted message of communication terminal input by the user, and second encrypted message that will receive sends password authentication module to.This password authentication module also is used for second encrypted message that will receive and default second reference information relatively, comparing second encrypted message when identical with default second reference information, produces the expenditure signal to settlement module.This settlement module is according to the expenditure signal expenditure and the corresponding amount of money of withdrawing the money of amount of money value.
A kind of method of password authentication may further comprise the steps:
Respond user's the service request of drawing, obtain user's identity identification information and display password inputting interface;
Obtain first encrypted message that the user imports on interface for password input;
With first encrypted message that obtains and preset first reference information relatively, and comparing first encrypted message when identical, the demonstration amount of money interface of withdrawing the money with preset first reference information;
Obtain the amount of money value that the user imports on the amount of money interface of withdrawing the money;
According to the identity identification information that obtains obtain prestore with the corresponding communication terminal number of user;
Be used to point out the user to import the precognition note of withdrawing the money of second encrypted message according to the identity identification information that obtains, communication terminal number and the generation of amount of money value;
Transmission is withdrawn the money the precognition note to mobile communication server, and the precognition note sends to user mobile phone so that mobile communication server will be withdrawn the money;
What receive that mobile communication server provides utilizes second encrypted message of mobile phone input by the user;
With second encrypted message that receives and default second reference information relatively, comparing second encrypted message when identical, the expenditure and the corresponding amount of money of withdrawing the money of amount of money value with default second reference information.
Utilize above-mentioned password validation system and method for password authentication, this password validation system is after the identity identification information that provides for the first time according to the user and first encrypted message are finished verification operation, identity identification information that provides according to the user and producing with the corresponding communication terminal number of identity identification information of prestoring are used to point out the user to import the precognition note of withdrawing the money of second encrypted message, and the logical communication terminal that sends to the user of precognition note of will withdrawing the money, so that the user utilizes communication terminal to import second encrypted message, password validation system is finally verified second encrypted message with the second default reference information comparison user's legitimacy.So, the lawless person be because of can not obtaining second encrypted message of user by mobile communication terminal input, and then can not finally can't steal the fund of propping up validated user by the two-pass cipher checking of password validation system.
Description of drawings:
Accompanying drawing 1 is the application schematic diagram of password validation system
Accompanying drawing 2 is functional block diagram of the password validation system of a better embodiment
Accompanying drawing 3 is another functional block diagram of password authentication module among Fig. 2
Accompanying drawing 4 is method of password authentication flow charts of a better embodiment
Among the figure: password validation system 10, memory module 101, acquisition module 102, password authentication module 103, the first password authentification unit 1031, the second password authentification unit 1032, service fulfillment judging unit 1033, threshold value this than unit 1034, short message generation module 104, settlement module 105, mobile communication server 20, communication terminal 30, method of password authentication step S602~S628
Embodiment:
As shown in Figure 1, the application schematic diagram of password validation system 10.This password validation system 10 is applied in the financial transaction system, is used to verify user's legitimacy.This password validation system 10 is after the identity identification information that provides for the first time according to the user and first encrypted message are finished verification operation, identity identification information that provides for the first time according to the user and producing with the corresponding communication terminal number of identity identification information of prestoring are used to point out the user to import the precognition note of withdrawing the money of second encrypted message, and the precognition note of will withdrawing the money sends to user's communication terminal 30 by mobile communication server 20.What this password validation system 10 received that mobile communication servers 20 provide utilizes second encrypted message of communication terminal 30 inputs by the user, and second encrypted message that will receive is finally verified user's legitimacy with the second reference information comparison of presetting.Wherein, identity identification information comprises individual number of the account, name, identification card number of user etc.Communication terminal 30 can be mobile phone, PDA etc.
Please be simultaneously referring to Fig. 2, this password validation system 10 comprises: comprise memory module 101, acquisition module 102, password authentication module 103, short message generation module 104 and settlement module 105.
This memory module 101 is used to store financial transaction record of identity identification information that the user registers, mobile communication terminal number, user etc. when opening financial service.This memory module 101 can be financial transaction system in database server.
This acquisition module 102 is used to respond user's the service request of drawing, obtain user's identity identification information and display password inputting interface and obtain first encrypted message that the user imports on interface for password input, and obtain the amount of money value that the user imports on the amount of money interface of withdrawing the money that shows.For example, this acquisition module 102 can be financial transaction system the terminal ATM, operate in online payment system on the client personal computer etc.
This password authentication module 103 is used for first encrypted message that will obtain and preset first reference information relatively, and is comparing first encrypted message when identical with preset first reference information, the demonstration amount of money interface of withdrawing the money; This password authentication module 103 also be used for according to the identity identification information that obtains obtain prestore with the corresponding communication terminal number of user, and identity identification information, communication terminal number and amount of money value offered this short message generation module 104.For example, this password authentication module 103 can be financial transaction system in the password authentification server; The communication terminal number is user's a phone number.
This short message generation module 104 is used for being used to point out the user to import the precognition note of withdrawing the money of second encrypted message according to the identity identification information that receives, communication terminal number and the generation of amount of money value, and the precognition note of will withdrawing the money sends to mobile communication server 20, and the precognition note sends to user's communication terminal 30 so that mobile communication server 20 will be withdrawn the money; This short message generation module 104 is used to also to receive that mobile communication server 20 provides utilizes second encrypted message of communication terminal 30 inputs by the user, and second encrypted message that will receive sends password authentication module 103 to.For example, this short message generation module 104 can be the short-and-medium message processing server of financial transaction system.
This password authentication module 103 also is used for second encrypted message that will receive and default second reference information relatively, comparing second encrypted message when identical with default second reference information, produces the expenditure signal to settlement module 105; When second reference information that compares second encrypted message and preset is inequality, produce alarm signal, and send the alarm signal that produces to short message generation module 105.
This settlement module 105 is according to the expenditure signal expenditure and the corresponding amount of money of withdrawing the money of amount of money value.This settlement module 105 can be the middle capital settlement server of financial transaction system.
This short message generation module 104 produces alarming short message according to alarm signal, and alarming short message is sent to the Surveillance center of public security, bank's correspondence.
Further, this password authentication module 103 comprises the first password authentification unit 1031, the second password authentification unit 1032.The first password authentification unit 1031 is used for first encrypted message and first reference information relatively, and is comparing first encrypted message when identical with preset first reference information, the demonstration amount of money interface of withdrawing the money.The second password authentification unit 1032 is used for obtaining the corresponding communication terminal number that prestores according to the identity identification information that obtains, and identity identification information, communication terminal number and amount of money value are offered this short message generation module 104; The second password authentification unit 1032 also is used for second encrypted message and default second reference information relatively, comparing second encrypted message when identical with default second reference information, produces the expenditure signal to settlement module 105; When second reference information that compares second encrypted message and preset is inequality, produce alarm signal, and send the alarm signal that produces to short message generation module 105.Wherein, this first password authentification unit 1031, the second password authentification unit 1032 can be two sub-password authentification servers in the financial transaction system.
In another embodiment, please be simultaneously referring to Fig. 3, this password authentication module 103 also comprises service fulfillment judging unit 1033 and threshold value comparing unit 1034.The first password authentification unit 1031 is comparing first encrypted message when identical with preset first reference information, also exports first enabling signal and gives service fulfillment judging unit 1033.Service fulfillment judging unit 1033 these first enabling signals of response, judge according to the identity identification information that obtains whether the user opens deposit and draw the short-message verification business, and open deposit and draw short-message verification when professional judging the user, export second enabling signal and give threshold value comparing unit 1034.Wherein, deposit is drawn the short-message verification business and is meant that financial transaction system is the security service that the user provides, and is used to protect user's personal account information.These second enabling signals of threshold value comparing unit 1034 response with the amount of money value obtained and preset threshold value relatively, comparing the amount of money value of obtaining when being not less than preset threshold value, are exported the 3rd enabling signal to the second password authentification unit 1032.This second password authentification unit 1032 responses the 3rd enabling signal, carry out obtain prestore with the corresponding communication terminal number of user and carry out the operation of password authentification according to second encrypted message.
In addition, in other embodiments, service fulfillment judging unit 1033 in this password authentication module 103 is opened deposit and is drawn short-message verification when professional judging the user, can directly export second enabling signal and give this second password authentification unit 1032 so that the second password authentification unit 1032 begin to carry out obtain prestore with the corresponding communication terminal number of user and carry out the operation of password authentification according to second encrypted message.
As shown in Figure 4, it is the method for password authentication of a better embodiment, and this method of password authentication is applied in the financial transaction system to verify user's legitimacy.This method of password authentication may further comprise the steps:
Step S602, the response user draws service request, obtains user's identity identification information and display password inputting interface.For example, user's the terminal ATM of service request by financial transaction system of drawing responds, and financial transaction system is obtained user's identity identification information and display password inputting interface by the terminal ATM.
Step S604 obtains first encrypted message that the user imports on interface for password input.
Step S606 with first encrypted message that obtains and preset first reference information relatively, and is comparing first encrypted message when identical with preset first reference information, the demonstration amount of money interface of withdrawing the money.For example, first encrypted message that password authentification server in the financial transaction system will obtain and preset first reference information are relatively, and comparing first encrypted message when identical, and show the amount of money interface of withdrawing the money by the terminal ATM with preset first reference information.
Step S608 obtains the amount of money value that the user imports on the amount of money interface of withdrawing the money.
Step S610 judges whether the user opens deposit and draw the short-message verification business.Deposit is drawn the short-message verification business and is meant that financial transaction system is the security service that the user provides, and is used to protect user's personal account information.
Step S612 opens deposit and draws short-message verification when professional judging the user, judges whether the amount of money value of obtaining is not less than preset threshold value.
Step S614 is comparing the amount of money value of obtaining when being not less than preset threshold value, according to the identity identification information that obtains obtain prestore with the corresponding communication terminal number of user.
Step S616 is used to point out the user to import the precognition note of withdrawing the money of second encrypted message according to the identity identification information that obtains, mobile communication terminal number and the generation of amount of money value.For example, the short-and-medium message processing server of financial transaction system generates according to the identity identification information that obtains, mobile communication terminal number and amount of money value and is used to point out the user to import the precognition note of withdrawing the money of second encrypted message.
Step S618 sends the precognition note of withdrawing the money to mobile communication server, and the precognition note sends to the user to mobile communication terminal so that mobile communication server will be withdrawn the money.
Step S620, the user that receiving mobile communication server provides utilize second encrypted message of mobile communication terminal input and the mobile communication terminal identification code of obtaining according to the precognition note of withdrawing the money.Wherein, the mobile communication terminal identification code is that (International Mobile Equipment Identity, IMEI), it is stored in the mobile communication server handset identity code.
Step S622 judges whether second encrypted message is identical with the second default reference information.
Step S624 is comparing second encrypted message when identical with default second reference information, produces schedule of dealing and storage according to user's identity identification information, mobile communication terminal identification code and amount of money value.
Step S626 is comparing second encrypted message when identical with default second reference information, the amount of money of withdrawing the money that expenditure is corresponding.
Step S628 when second reference information that compares second encrypted message and preset is inequality, sends warning message.For example, warning message is sent to the Surveillance center of public security, bank's correspondence.
Utilize above-mentioned password validation system 10 and method of password authentication, this password validation system 10 is after the identity identification information that provides for the first time according to the user and first encrypted message are finished verification operation, identity identification information that provides for the first time according to the user and producing with the corresponding communication terminal number of identity identification information of prestoring are used to point out the user to import the precognition note of withdrawing the money of second encrypted message, and the logical communication terminal that sends to the user of precognition note of will withdrawing the money, so that the user utilizes communication terminal 30 inputs second encrypted message, password validation system is finally verified second encrypted message with the second default reference information comparison user's legitimacy.So, the lawless person be because of can not obtaining second encrypted message of user by mobile communication terminal input, and then can not finally can't steal the fund of propping up validated user by the two-pass cipher checking of password validation system 10.

Claims (10)

1. password validation system, comprise acquisition module, password authentication module, this acquisition module is used to respond user's the service request of drawing, and obtains user's identity identification information and display password inputting interface and obtain first encrypted message that the user imports on interface for password input; First encrypted message and preset first reference information that this password authentication module is used for obtaining compare, and comparing first encrypted message when identical with preset first reference information, show the amount of money interface of withdrawing the money, this acquisition module also is used to obtain the amount of money value that the user imports on the amount of money interface of withdrawing the money that shows, it is characterized in that: this password validation system also comprises short message generation module and settlement module; This password authentication module also be used for according to the identity identification information that obtains obtain prestore with the corresponding communication terminal number of user, and identity identification information, communication terminal number and amount of money value offered this short message generation module; This short message generation module is used for being used to point out the user to import the precognition note of withdrawing the money of second encrypted message according to the identity identification information that receives, communication terminal number and the generation of amount of money value, and the precognition note of will withdrawing the money sends to mobile communication server, the precognition note sends to user's communication terminal so that mobile communication server will be withdrawn the money, this short message generation module is used to also to receive that mobile communication server provides utilizes second encrypted message of communication terminal input by the user, and second encrypted message that will receive sends password authentication module to; This password authentication module also is used for second encrypted message that will receive and default second reference information relatively, comparing second encrypted message when identical with default second reference information, produces the expenditure signal to settlement module; This settlement module is according to the expenditure signal expenditure and the corresponding amount of money of withdrawing the money of amount of money value.
2. password validation system according to claim 1, it is characterized in that: this password authentication module also is used for judging according to the identity identification information that obtains whether the user opens deposit and draw the short-message verification business, and open deposit and draw short-message verification when professional judging the user, according to the identity identification information that obtains obtain prestore with the corresponding communication terminal number of user.
3. password validation system according to claim 1, it is characterized in that: this password authentication module also is used for judging according to the identity identification information that obtains whether the user opens deposit and draw the short-message verification business, and open deposit and draw short-message verification when professional judging the user, also amount of money value and the preset threshold value of obtaining compared, comparing the amount of money value of obtaining when being not less than preset threshold value, according to the identity identification information that obtains obtain prestore with the corresponding communication terminal number of user.
4. password validation system according to claim 1, it is characterized in that: this password authentication module also is used for producing alarm signal when second reference information that compares second encrypted message and preset is inequality, and sends the alarm signal that produces to short message generation module; This short message generation module produces alarming short message according to alarm signal, and alarming short message is sent to Surveillance center.
5. password validation system according to claim 1 is characterized in that: this password validation system also comprises memory module, and this memory module is used to store first reference information, second reference information, communication terminal number and user's essential information.
6. method of password authentication may further comprise the steps:
Respond user's the service request of drawing, obtain user's identity identification information and display password inputting interface;
Obtain first encrypted message that the user imports on interface for password input;
With first encrypted message that obtains and preset first reference information relatively, and comparing first encrypted message when identical, the demonstration amount of money interface of withdrawing the money with preset first reference information;
Obtain the amount of money value that the user imports on the amount of money interface of withdrawing the money;
According to the identity identification information that obtains obtain prestore with the corresponding communication terminal number of user;
Be used to point out the user to import the precognition note of withdrawing the money of second encrypted message according to the identity identification information that obtains, communication terminal number and the generation of amount of money value;
Transmission is withdrawn the money the precognition note to mobile communication server, and the precognition note sends to user's communication terminal so that mobile communication server will be withdrawn the money;
What receive that mobile communication server provides utilizes second encrypted message of communication terminal input by the user;
With second encrypted message that receives and default second reference information relatively, comparing second encrypted message when identical, the expenditure and the corresponding amount of money of withdrawing the money of amount of money value with default second reference information.
7. method of password authentication according to claim 6 is characterized in that, and is further comprising the steps of:
Judge according to the identity identification information that obtains whether the user opens deposit and draw the short-message verification business;
Open deposit and draw short-message verification when professional judging the user, according to the identity identification information that obtains obtain prestore with the corresponding communication terminal number of user.
8. method of password authentication according to claim 7, it is characterized in that: open deposit and draw short-message verification when professional judging the user, obtain the concrete steps that prestore according to the identity identification information that obtains and be with the corresponding communication terminal number of user:
Open deposit and draw short-message verification when professional judging the user, with the amount of money value and the preset threshold value comparison of obtaining;
Comparing the amount of money value of obtaining when being not less than preset threshold value, according to the identity identification information that obtains obtain prestore with the corresponding communication terminal number of user.
9. method of password authentication according to claim 6 is characterized in that, and is further comprising the steps of:
Receive the mobile communication terminal identification code corresponding that mobile communication server provides with the communication terminal number;
Comparing second encrypted message when identical, producing schedule of dealing and storage according to user's identity identification information, mobile communication terminal identification code and amount of money value with default second reference information.
10. method of password authentication according to claim 6 is characterized in that, and is further comprising the steps of:
Second encrypted message of reception is compared with second reference information of presetting, when second reference information that compares second encrypted message and preset is inequality, produce alarming short message;
Send alarming short message to Surveillance center.
CN201010155712A 2010-04-27 2010-04-27 Password verification system and password verification method Pending CN101854628A (en)

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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2012136032A1 (en) * 2011-04-02 2012-10-11 Feng Lin Method and system for verifying transaction password on bank self-service terminal
CN103729592A (en) * 2013-12-26 2014-04-16 京东方科技集团股份有限公司 Electronic device and starting method of function interface of electronic device
CN108924164A (en) * 2013-12-12 2018-11-30 景祝强 A method of based on the synchronous two-pass cipher of Internet of Things
CN111132040A (en) * 2018-10-31 2020-05-08 南京智能仿真技术研究院有限公司 Electronic information exchange system based on short message
CN112231664A (en) * 2020-10-30 2021-01-15 上海淇毓信息科技有限公司 Supplementary data-based secondary user fishing-back method and device and electronic equipment

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Publication number Priority date Publication date Assignee Title
CN101393669A (en) * 2008-10-24 2009-03-25 蔡学淇 Embezzling preventing method and system for band deposit
CN101458794A (en) * 2007-12-10 2009-06-17 国际商业机器公司 System for enhancing payment safety, method thereof and payment center
CN101667276A (en) * 2009-09-04 2010-03-10 四川钧通网络技术服务有限责任公司 Bank payment confirmation system and confirmation method thereof

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Publication number Priority date Publication date Assignee Title
CN101458794A (en) * 2007-12-10 2009-06-17 国际商业机器公司 System for enhancing payment safety, method thereof and payment center
CN101393669A (en) * 2008-10-24 2009-03-25 蔡学淇 Embezzling preventing method and system for band deposit
CN101667276A (en) * 2009-09-04 2010-03-10 四川钧通网络技术服务有限责任公司 Bank payment confirmation system and confirmation method thereof

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2012136032A1 (en) * 2011-04-02 2012-10-11 Feng Lin Method and system for verifying transaction password on bank self-service terminal
CN108924164A (en) * 2013-12-12 2018-11-30 景祝强 A method of based on the synchronous two-pass cipher of Internet of Things
CN103729592A (en) * 2013-12-26 2014-04-16 京东方科技集团股份有限公司 Electronic device and starting method of function interface of electronic device
CN111132040A (en) * 2018-10-31 2020-05-08 南京智能仿真技术研究院有限公司 Electronic information exchange system based on short message
CN112231664A (en) * 2020-10-30 2021-01-15 上海淇毓信息科技有限公司 Supplementary data-based secondary user fishing-back method and device and electronic equipment
CN112231664B (en) * 2020-10-30 2023-02-10 上海淇毓信息科技有限公司 Supplementary data-based secondary user fishing-back method and device and electronic equipment

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Application publication date: 20101006