CN101938476A - System and method for entering and checking password acquired via connected call - Google Patents
System and method for entering and checking password acquired via connected call Download PDFInfo
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- CN101938476A CN101938476A CN2010102670141A CN201010267014A CN101938476A CN 101938476 A CN101938476 A CN 101938476A CN 2010102670141 A CN2010102670141 A CN 2010102670141A CN 201010267014 A CN201010267014 A CN 201010267014A CN 101938476 A CN101938476 A CN 101938476A
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Abstract
The invention provides a system and method for entering and checking a password acquired via a connected call, particularly a system and method for entering and checking a dynamic password acquired via a connected call only if an account is bound or selected when being logged in or before a transaction. The method comprises the following steps: firstly, a server checks whether the account is bound with a telephone for acquiring the dynamic password via the connected call; further confirming whether the account is locked in the mode of acquiring the dynamic password via the connected call if the telephone for acquiring the dynamic password is bound with the account or set up by a user; a system assigns a password prompting system to prompt the dynamic password according to the command selected by the user if the account is locked or the mode of acquiring the dynamic password is selected by the user according to the prompt; the user enters the heard password according to the prompt; and the system further checks whether the data entered by the user is identical with the prompted dynamic password. Based on the mode of binding the telephone for acquiring the dynamic password with the account according to the pre-signed agreement with a service provider and transmitting the dynamic password, the invention can provide more dependable guarantee for the transmission, entry and check of the dynamic password before the login or transaction of the account.
Description
Technical field
The present invention relates to bank and transmit dynamic password by phone to the user and key in the system and method for Gong checking to the user, relate in particular to the account when logining or before the transaction bank key in for checking to the user and correctly could realize operated system and method by connecting conversation prompting dynamic password.
Background technology
The robber uses various means unique skills in order to steal the amount of money of user account.As:
Often can see the news that fund is lost in user's bank account, the method of spying on is that the robber is relatively more commonly used, when the user uses transaction in the ATM terminal, when all having been spied on as account number and password, the lawless person can use various bad ideas, changes user's bank card or utilizes user's account number to duplicate the false amount of money of stealing in the user account that blocks.As bank card obviously at one's side, but suddenly bank sent a SMS notification you " bank account of saying you has been consumed so-and-so unit at so-and-so district centre again ", the user tends to feel that strange card is obviously on one's body, and I am not again in that city, how my card can that be consumed, and finds when auditing the family remaining sum that bank card really has time and the place notified in bank to consume the amount of money that bank notified but wait.
The lawless person of Pekinese has taken out false ATM terminal exclusive, as long as insert bank card and input password in false ATM terminal, the fund of subscriber card is just dangerous so under unwitting situation for the user.The method of wanting to usurp the robber of the account number at family and password also really goes out endless thoroughly.
When user's bank card is lost, and password is simple, the person that picks up the card has the card amount of money is had inordinate ambitions, and guesses password right, and the amount of money will be stolen in that subscriber card.
As also having for the previous period false Web bank website on the net now, his reason of stealing account's account number is the same with false ATM terminal, as long as the user keys in account and password, the amount of money possibility of user account has not just been protected.
It is much advanced that technology during online hacker's technology will relatively be lived is wanted, use Web bank to conclude the business as the user, have the fund on the account of finding when auditing in a day to disappear suddenly, one looks into and is originally that computer has suffered Trojan for stealing numbers virus, and account funds has been transferred.Recently Guangzhou Daily has report and says present in addition more severe hacker on news, and he can also walk around the protection of U shield, steals user's fund.This is not at all surprising, science and technology is being upgraded day by day, and hacker's technology also has growth day by day, and the hacker is in case implanted wooden horse at our computer, our computer is exactly one bald-facedly " fryer ", and all privacies of our every act and every move etc. all are presented on the hacker at the moment fastidiously.The securing software that can also walk around wooden horse and virus that has, coexist with securing software, not to say that the software of protection trojan horse is bad, but the speed that wooden horse upgrades is more faster than the speed of securing software sometimes, account number and password Deng the user have been stolen, and securing software has found that it has not been worth yet.Account number and password have all been stolen, and kill it and have all receded into the background to the hacker with concerning the user.
Above problem hidden danger, the user can reduce similar event generation as long as listen to dynamic password and key in for checking again and correctly could realize operating by connecting conversation when using login of the present invention or before the transaction.
The user carries out internet bank trade, the Web bank of existing part bank is to use the prompting of note dynamic password, can reduce the simultaneously stolen risk of account's account number and password like this, but the use note is made advice method, have the time difference sometimes on the transfer rate, when the information traffic volume is various, be easy to occur information and incur loss through delay situation about sending to, can not guarantee that information can in time send to.If it is just different to use call conversation to transmit data, as long as the user has network signal of living inly, can connects phone and just can fast pass on to the user in time.
Summary of the invention
Characteristics of the present invention are phones that account user can be in advance and dynamic password is listened in binding during service side agreement login or before the transaction, and in advance and service side agreement when logining or the preceding mode of listening to dynamic password that locks of concluding the business.My suggestion preferably makes to listen to the instrument of dynamic password with the reach an agreement on phone of binding appointment of service side, and the mode of dynamic password is listened in locking.The binding phone makes to listen to the instrument of dynamic password, the one, the dynamic password that each bank transmits must be sent to the phone of this appointment, the 2nd, can also save prompting and key in the phone of listening to dynamic password and key in phone for the time of confirming, and prompting and the time of selecting to listen to mode, directly listen to getting final product by prompting with this phone; Also can only select binding or lock wherein one, select again or the newly-built latter in the time will realizing logining or before the transaction, do to connect conversation by phone when binding login such as the account and listen to dynamic password, the dynamic password mode is not listened in locking, needs to select wherein a kind of mode of listening to listen to dynamic password when the operation login or before the transaction; Do to connect conversation by phone when not binding login such as the account and listen to dynamic password, and have locking to listen to the dynamic password mode, when realizing login or transaction, need earlier newly-built work to connect the phone that dynamic password is listened in conversation, if only lock by connecting conversation and listen to the dynamic password mode, also than directly keying in fixing cryptosecurity in identical platform, but just do not bind the method safety that phone makes to listen to dynamic password, if other people utilize other phone to listen to by the mode of this locking and key in this password behind the dynamic password and steal account funds, the police also can dwindle the investigation scope.
Binding is listened to dynamic password by closing of the circuit conversation, and when bank card was lost, the mobile phone that can not get user's binding when other people pick up card was listened to the password that service system transmits before login or the transaction, and all also have no idea to take away the interior fund of card.
Binding is listened to dynamic password by closing of the circuit conversation, and that has I guess stolen user account number and password the burglar, and before he also can't listen to login or transaction by the mobile phone of account's binding system prompt is keyed in the password of Gong checking to the user.That fearness of burglar can see that the indoor fund of settling a debt or an account cuts and can't steal.Unless the phone of account's binding etc. also falls into burglar's hand simultaneously.
Binding is listened to dynamic password by closing of the circuit conversation, when if the user runs into false ATM terminal that Beijing occurs or false Net silver website again, also needn't worry again, reason has: the one, and the account logins or need to obtain when concluding the business the dynamic password of bank's designated pin prompt system prompting, this dummy terminal will be accomplished this respect, need to increase theft stage property and stage property cost, if the user remembers designated pin prompt system number, the false password prompt system number certainly password prompt system number with the bank appointment is not identical, find that the password prompt system number has not simultaneously, vigilance will take place in the user; The 2nd, what the user keyed in is dynamic password, just effective in official hour and key entry for several times.And only have the user to bind phone and just can receive this dynamic password, bank's binding transtelephonic password to the user.Not obtaining password that the user keys in, how does the burglar come again login account and how to conclude the business?
The account does not have binding to listen to the phone of dynamic password, but there is locking to listen to the mode of dynamic password, the robber is when learning user account number, and I think that ordinary circumstance also dare not make to listen to the instrument of dynamic password with the phone of oneself, am the generation that can reduce case like this.If the robber dares to listen to dynamic password with own phone work, can not just determine user account just certain locking listen to trading password and key in again for checking the mode of concluding the business of could realizing by connecting conversation, if what select before the customer transaction is to key in the password of agreement bank side at platform, that just has not been busy oneself to no purpose one; If also know user account and bank side agreement trading password, that robber has certain observation to the user, and two robbers may be exactly user believable people next to the skin, if the robber has accomplished like this that all the user is exactly hard to guard against.But this probability is low-down, and uses own phone to make stealing tool, it has stayed very important clue to the police, and the robber buys new phone and makes the instrument of listening to, and also brings the crime cost to the robber, also investigates the scope of having shunk to the police.
If using phone listens to and keys in this password behind the dynamic password and could realize further the operation for checking by connecting conversation, no matter be the user the ATM terminal or Web bank's terminal is logined or the front operation of concluding the business for checking, be to reduce the probability that the stolen similar case of account funds takes place in convention.
System of the present invention has mainly added two sample Work tools than the existing operating system of bank, and the one, phone, the 2nd, specify the password prompt system.
Phone: be used for transmitting dynamic password to the designated pin prompt system by prompting.
Designated pin prompt system: be used for calling out designated telephone or receiving the rear prompting of designated telephone call through conversation dynamic password by instruction.
Server of the present invention has been Duoed several operation element flow processs than the server of existing most of banking system.A kind ofly in only providing before when login or the transaction as system key in for checking work, with regard to many one operation element flow processs to the user by conversation prompting dynamic password.Secondary is keyed in for checking work to the user by conversation prompting dynamic password before providing when login and transaction as system, with regard to many similar identical operations workflows of twice.Per pass is keyed in for the checking work flow process to the user by conversation prompting dynamic password and is all included substantially: the one, and check the account and whether bound the phone that dynamic password is listened in do connection conversation? the 2nd, check the whether locked mode of listening to dynamic password of account? the 3rd, is the password of checking user's key entry identical with the password of indication?
Is whether the account has bound made to connect the phone that dynamic password is listened in conversation? check the account and do not bind and do to connect phone that conversation listens to dynamic password, the prompting user is newly-built to connect the phone that dynamic password is listened in conversation.The account has bound or the user is newly-built connects the phone that dynamic password is listened in conversation, check the whether locked mode of listening to dynamic password of account?
Whether the account the locked mode of listening to dynamic password? check the account non-locking and listen to the mode of dynamic password, the prompting selection mode is selected for the user.Locked or the user of account chooses the mode of listening to dynamic password by prompting, system's or mode of choosing locked by this, and instruction designated pin prompt system is called out or when receiving the call of appointment, is pointed out dynamic password to key in to the user to the user.
Is the password that the user keys in identical with the password of indication? listen to dynamic password and key in by connecting conversation when the account logins for checking, server is checked the dynamic password of password that the user keys in and prompting when inequality, the password mistake that prompting is keyed in, and point out dynamic password to key in for checking once more to the user.
Server is when repeatedly command prompt and the dynamic password of checking password that the user keys in and prompting are identical, the password of keying in is mistake repeatedly, and during the number of times that the dynamic password of the confession checking when inferior login key entry that has surpassed account and service side agreement is stipulated, the password mistake that prompting is keyed in surpasses the number of times of regulation, will stop to provide dynamic password to check service for this login of account.
When server repeatedly points out and checks password that the user keys in all the time identical with the dynamic password of prompting, and during the stipulated number of the dynamic password mistake of the confession checking that the login that has surpassed account and service side agreement is keyed in, to stop to provide dynamic password to check service for account's login, the account need realize logining, and the user keys in the mistake of the dynamic password of Gong checking and appraises and decides number of times when needing again to reach an agreement on login with the service side.
Server is checked the dynamic password of dynamic password that the user keys in and prompting when identical, with successful login account.
Listen to dynamic password and key in for checking by connecting conversation before the account transaction, server is checked the dynamic password of password that the user keys in and prompting when not identical, the password mistake that prompting is keyed in, and again point out the dynamic password to key in to the user to supply to check.
When the dynamic password that password that the user keys in and prompting were repeatedly pointed out and checked to server is identical, password mistake repeatedly during key entry, and during the number of times that the dynamic password of the confession checking when keying in before time transaction that has surpassed account and service side agreement is stipulated, the password mistake that prompting is keyed in surpasses the number of times of regulation, and will stop to provide cryptographic core to service for this transaction of account.
Server repeatedly points out and checks password that the user keys in all the time with the dynamic password of prompting when inequality, and when having surpassed the stipulated number of the dynamic password mistake of keying in before the transaction of account and service side agreement of the confession checking, to stop to supply cryptographic core to service for the account transaction prerequisite, the account need realize concluding the business and account transfer etc., and the user needs to appraise and decide number of times with reach an agreement on again the conclude the business mistake of the dynamic password that preceding key entry Gong checks of service side.
Server is checked the dynamic password of dynamic password that the user keys in and prompting when identical, will successfully provide service for this transaction.
Description of drawings
Fig. 1, structural representation of the present invention.
Fig. 2, listen to dynamic password and key in again for checking and could realize the flow chart logined by connecting conversation.
Fig. 3, listen to dynamic password and key in again for checking and could realize the flow chart of concluding the business by connecting conversation.
Embodiment
With reference to shown in Figure 1.A service terminal and b server are mutual UNICOMs, can realize that data in real time sends the other side to; B server and c designated pin prompt system also are mutual UNICOMs, the designated pin prompt system is given in server move instruction in real time: c designated pin prompt system and d subscriber phone are according to instruction UNICOM, when c designated pin prompt system is received instruction calling d subscriber phone or received the calling of d subscriber phone, point out dynamic password to the d subscriber phone when connecting conversation.
With reference to shown in Figure 2.Reached an agreement on when login listen to and key in this password behind the dynamic login password and could realize logining for checking by connecting conversation with the service side such as the account, or the user prepares login account in each accepting terminal of bank, when the user inserts bank card or keys in account number, the account does not have when login binding key feeding cipher for checking the mode that could realize logining the account, banking system provides multiple key feeding cipher for checking the mode that could realize logining the account, is user selection connected conversation and is listened to and key in this password behind the dynamic login password and can realize whether login, system validation account have bound and do connection and converse and listens to the phone of dynamic login password for checking?
The account does not bind and do to connect phone that conversation listens to dynamic login password, and prompting user should be connected the phone that dynamic login password is listened in conversation by newly-built work.
The user makes to connect the phone that dynamic login password is listened in conversation for newly-built one according to the newly-built prompting of system.
The account has binding do to connect phone that conversation listens to dynamic login password, or the user makes to transmit phone that dynamic login password Gong checks by newly-built one of prompting, system confirm again the account whether locked connection converse and listen to the mode of dynamic login password?
Account's non-locking is connected mode that conversation listens to dynamic login password, and the selectable mode of system prompt has: 1. listen to dynamic login password by calling out after the designated pin prompt system is connected; 2. listen to dynamic login password after connecting by designated password prompt system calling.
The account has bound or 1. the user selects to listen to dynamic login password after the designated pin prompt system is connected by calling out by prompting.System prompt designated pin prompt system, and dynamic login password is listened in the call designated pin prompt system connection conversation that prompting is listened to dynamic login password with already bound or created do connection conversation.
The user connects the phone of listening to dynamic login password of conversing with this already bound or created work and calls out the designated pin prompt system by prompting, listens to during the connection conversation and moves login attitude password, and at the appointed time this password is keyed on the terminal password hurdle that the account will login.
Server is according to the dynamic login password that the user keys in, and whether the dynamic login password of checking this login password and instruction designated pin prompt system prompting immediately identical?
Check the dynamic login password of the password and instruction designated pin prompt system prompting that the user keys in when not identical, the password mistake that prompting is keyed in, and again point out dynamic login password to key in for checking to the user.
When the dynamic login password of repeatedly pointing out and check the password and instruction designated pin prompt system prompting that the user keys in is identical, the password of keying in is mistake repeatedly, and during the number of times of the dynamic login password regulation that the confession when inferior login key entry that has surpassed account and service side agreement is checked, the password mistake that prompting is keyed in surpasses the number of times of regulation, and will stop to provide cryptographic core to service for this login of account.
When the dynamic login password of repeatedly pointing out and check the password and instruction designated pin prompt system prompting that the user keys in is all the time identical, and during the stipulated number of the dynamic login password mistake that the confession that the login that has surpassed account and service side agreement is keyed in is checked, prompting repeatedly prompting reaches repeatedly key error, to stop to provide dynamic login password to check service for account's login, the account need realize logining, and the user keys in for the mistake of the dynamic login password of checking when needing again to reach an agreement on login with the service side and appraises and decides number of times.
Check the dynamic login password of the password and instruction designated pin prompt system prompting that the user keys in when identical, with successful login account.
With reference to shown in Figure 3.Reached an agreement on before the transaction with the service side such as the account and to have listened to and key in this password behind the dynamic transaction password and could realize withdrawing deposit and paying account transfer for checking by connecting conversation, or the user prepares to conclude the business at banking terminal, when the user confirms to pay the amount of money of the side of being given to and data or Withdrawal Amount, the account does not have key feeding cipher before the bound transaction for checking the mode of concluding the business of could realizing, key feeding cipher could realize handing over easy-operating mode for checking before system provided multi-exchange, user selection is listened to and is keyed in this password behind the dynamic transaction password and can realize withdrawing deposit and pay account transfer for checking by connecting conversation, and whether has the system validation account bound and has done connection and converse and listens to the phone of dynamic transaction password?
The account does not bind and do to connect phone that conversation listens to the dynamic transaction password, or this account do not listen to key feeding cipher behind the dynamic login password and could realize login account for checking by connecting conversation, and prompting user should newly-built do connection be conversed and listened to the phone of dynamic transaction password.
Connect the telephone prompts that the dynamic transaction password is listened in conversation according to newly-built work, the user makes to connect the phone that the dynamic transaction password is listened in conversation by newly-built one of prompting.
The account has binding do to connect phone that conversation listens to the dynamic transaction password, or the account this by the phone connecting conversation and listen to dynamic login password, or the user listens to phone that the dynamic transaction password Gong checks by the newly-built work of prompting, system confirm again the account whether locked connection converse and listen to the mode of dynamic transaction password?
Account's non-locking is connected mode that conversation listens to the dynamic transaction password, points out selectable mode to have: 1. to listen to the dynamic transaction password by calling out after the designated pin prompt system is connected; 2. listen to the dynamic transaction password after connecting by designated password prompt system calling.
The account has bound or the user listens to the dynamic transaction password after selecting 2. to connect by designated password prompt system calling by prompting, system prompt designated pin prompt system, and instruction designated pin prompt system is called out already bound or created prompting dynamic transaction password when doing to listen to the closing of the circuit conversation of dynamic transaction password immediately.
When account's already bound or created do to be connected phone that conversation listens to the dynamic transaction password and received the calling of designated pin prompt system, listen to the dynamic transaction password when connecting conversation, and these data are wanted the trading password hurdle key entry of transaction terminal the account.
Whether the dynamic transaction password that the dynamic transaction password that server is keyed in according to the user, upright row are checked this password and instruction designated pin prompt system prompting identical?
Check the dynamic transaction password of the password and instruction designated pin prompt system prompting that the user keys in when not identical, the password mistake that prompting is keyed in, and again point out the dynamic transaction password to key in for checking to the user.
When the dynamic transaction password of repeatedly pointing out and check the password and instruction designated pin prompt system prompting that the user keys in is identical, the password of keying in is mistake repeatedly, and when having surpassed the number of times of the dynamic transaction password of the confession the checking regulation of keying in before the transaction of account and service side agreement, the password mistake that prompting is keyed in surpasses the number of times of regulation, and will stop to provide the dynamic transaction cryptographic core to service for this transaction of account.
When the dynamic transaction password of repeatedly pointing out and check the password and instruction designated pin prompt system prompting that the user keys in is all the time identical, and when having surpassed the stipulated number of the dynamic transaction password mistake of the confession checking of keying in before the transaction of account and service side agreement, to stop to supply the dynamic transaction cryptographic core to service for the account transaction prerequisite, account's account transfer that need realize concluding the business, the user needs to appraise and decide number of times with service side's mistake of keying in the dynamic transaction password of Gong checking before the transaction of again reaching an agreement on.
Check the dynamic transaction password of the password and instruction designated pin prompt system prompting that the user keys in when identical, will successfully provide service for this transaction.
Claims (11)
1. after listening to password, conversation keys in the method that this password Gong is checked by connecting, it is characterized in that the reach an agreement on connection conversation that increases by system before when login or the transaction of account and service side listens to and key in this password behind the dynamic password and could realize login or withdraw deposit and pay account transfer for checking, or the user at ATM terminal insertion bank card, swipe the card in the bank POS terminal, during the account number of banking terminal key entry on the net; Or when amount of money user's banking terminal, POS terminal check payment on the net account transfer or that withdraw deposit at the ATM terminal check or account transfer data, system provides multiple password to key in for checking the mode that could realize single stepping, user selection is listened to dynamic password and is keyed in this password again and can realize login or withdraw deposit and pay account transfer for checking by connecting conversation, and whether has the system validation account bound and has done connection and converse and listens to the phone of dynamic password?
2. whether bound according to claim 1 system validation account and made to connect the phone that dynamic password is listened in conversation? the account does not bind and do to connect phone that conversation listens to dynamic password, and prompting user should be connected the phone that dynamic password is listened in conversation by newly-built work.
3. connect the telephone prompts that dynamic password is listened in conversation according to the newly-built work of claim 2, the user makes to connect the phone that dynamic password is listened in conversation by newly-built one of prompting.
4. do you confirm earlier according to claim 1 system whether the account has bound work and connected the phone that dynamic password is listened in conversation? the account has binding do to connect phone that conversation listens to dynamic password, or claim 3 user listens to phone that dynamic password Gong checks by the newly-built work of prompting, system confirm again the account whether locked connection converse and listen to the mode of dynamic password?
According to claim 4 system confirm again the account whether locked connection conversation listen to the mode of dynamic password, system validation account non-locking is connected mode that conversation listens to dynamic password, points out selectable mode to have; 1. after connecting, the designated pin prompt system listens to dynamic password by calling out; 2. listen to dynamic password after connecting by designated password prompt system calling.
According to claim 4 system confirm again the account whether locked connection conversation listen to the mode of dynamic password? 1. the account has bound by calling out and has listened to dynamic password after the designated pin prompt system is connected, or 1. the user selects to listen to dynamic password after the designated pin prompt system is connected by calling out by claim 5 prompting.System prompt designated pin prompt system, and dynamic password is listened in the call designated pin prompt system connection conversation that prompting is listened to dynamic password with already bound or created do connection conversation.
According to claim 4 system confirm again the account whether locked connection conversation listen to the mode of dynamic password? listen to dynamic password after 2. the account has bound and to have connected by designated password prompt system calling, or the user listens to dynamic password after selecting 2. to connect by designated password prompt system calling by claim 5 prompting.System prompt designated pin prompt system, and instruction designated pin prompt system is called out immediately and has been bound or prompting dynamic password during the newly-built closing of the circuit conversation of listening to dynamic password.
8. according to the system prompt of claim 6, the user has bound with this or newly-built do connection conversation is listened to the phone of dynamic password by prompting calling designated pin prompt system, listen to dynamic password when connecting conversation, and will login or want transaction terminal to key in the account these data.
9. according to the system prompt of claim 7, when already bound or created is made to connect phone that conversation listens to dynamic password and received the calling of designated pin prompt system, listen to dynamic password when connecting conversation, and the transaction terminal key entry will be logined or want to these data the account.
10. according to receiving the dynamic password that claim 8 or 9 users key in, whether the dynamic password that server is checked this password and instruction designated pin prompt system prompting immediately identical?
Check the dynamic password of the password and instruction designated pin prompt system prompting that the user keys in when not identical, the password mistake that prompting is keyed in, and again point out dynamic password to key in for checking to the user.
When the dynamic password of repeatedly pointing out and check the password and instruction designated pin prompt system prompting that the user keys in is identical, the password of keying in is mistake repeatedly, and surpassed that account and service side appraise and decide when the number of times of the dynamic password of the confession the checking regulation of keying in before time login or the transaction, the password mistake that prompting is keyed in surpasses the number of times of regulation, and will stop to provide the service of checking for this login of account or transaction.
When repeatedly pointing out and checking the dynamic password of all the time and instruction designated pin prompt system prompting of password that the user keys in not identical, and when having surpassed the stipulated number of the dynamic password mistake of the confession checking of keying in before login that account and service side appraise and decide or the transaction, to stop for account login or transaction prerequisite for checking service, the account need realize logining or conclude the business and account transfer etc., and the user needs to appraise and decide number of times with service side's mistake of keying in the dynamic password of Gong checking before login or the transaction of again reaching an agreement on.
Check the dynamic password of the password and instruction designated pin prompt system prompting that the user keys in when identical, provide service with successful login account or for this transaction.
11. key in the system that this password Gong is checked by connecting after password is listened in conversation, it is characterized in that listening to dynamic password and keying in again this password and can realize logining or withdraw deposit and pay account transfer for checking by connecting conversation.The user inserts bank card in the ATM terminal, swipes the card in the bank POS terminal, when banking terminal is keyed in account number on the net; Or when amount of money user's banking terminal, POS terminal check payment on the net account transfer or that withdraw deposit at the ATM terminal check or account transfer password, need listen to the dynamic password of the designated pin prompt system prompting of service side's appointment, again this password be keyed in for checking in the terminal of account's login or transaction and correctly could be realized logining or conclude the business.Its operating system includes:
Service terminal: be used for reading account password and trading instruction, the account does not bind phone and locking answering mode, prompting user select to confirm is keyed in phone and the answering mode of dynamic password, and the instruction of server is shown to the user, and the in time instruction with the user transmits to server.And reality and the transaction situation of dynamic password are keyed in demonstration.
The designated pin prompt system: by instruction calling designated telephone or after receiving the call through conversation, the prompting dynamic password.
Transmission network: be used to be connected in service terminal, designated pin prompt system and server.Be used to make service terminal and the server password transmission between the two; Server is to the password transmission of designated pin prompt system; Phone and designated pin prompt system UNICOM between the two, and for the designated pin prompt system to the user prompt dynamic password.
Server: be useful for time, location address, the mode of key entry and the password of key entry that recording user is keyed in dynamic password, write access customer and carry out the order of transaction, read the password of user account operating system, and whether check the dynamic password that the user keys in identical with the dynamic password of prompting? password, the password of record and the password of checking etc. that write with storage.
Phone: be mainly used in and listen to dynamic password after the connection of designated treatment system is called out or called out to designated treatment system.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102670141A CN101938476A (en) | 2010-08-30 | 2010-08-30 | System and method for entering and checking password acquired via connected call |
| CN201110024981XA CN102143163A (en) | 2010-08-30 | 2011-01-17 | System and method for verifying by entering cipher code after putting through and hearing cipher code |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102670141A CN101938476A (en) | 2010-08-30 | 2010-08-30 | System and method for entering and checking password acquired via connected call |
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| Publication Number | Publication Date |
|---|---|
| CN101938476A true CN101938476A (en) | 2011-01-05 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2010102670141A Pending CN101938476A (en) | 2010-08-30 | 2010-08-30 | System and method for entering and checking password acquired via connected call |
| CN201110024981XA Pending CN102143163A (en) | 2010-08-30 | 2011-01-17 | System and method for verifying by entering cipher code after putting through and hearing cipher code |
Family Applications After (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201110024981XA Pending CN102143163A (en) | 2010-08-30 | 2011-01-17 | System and method for verifying by entering cipher code after putting through and hearing cipher code |
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| CN (2) | CN101938476A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104735651A (en) * | 2015-01-22 | 2015-06-24 | 庞己人 | Method, system and device for safely transmitting data |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104270354A (en) * | 2014-09-17 | 2015-01-07 | 宁波掌聘企业管理咨询有限公司 | User account security verification method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1296362A (en) * | 1999-11-16 | 2001-05-23 | 黄金富 | Method for ensuring safety money payment by internet combined with hand set sound and relative system |
| CN101674183B (en) * | 2009-03-19 | 2013-05-08 | 庞己人 | System and method for logging on account by using communication telephones to transmit account password |
| CN101651546A (en) * | 2009-09-11 | 2010-02-17 | 福建天晴在线互动科技有限公司 | Method for off-line generation of dynamic password and debarkation authentication and synchronization of server |
-
2010
- 2010-08-30 CN CN2010102670141A patent/CN101938476A/en active Pending
-
2011
- 2011-01-17 CN CN201110024981XA patent/CN102143163A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104735651A (en) * | 2015-01-22 | 2015-06-24 | 庞己人 | Method, system and device for safely transmitting data |
| CN104735651B (en) * | 2015-01-22 | 2018-07-06 | 庞己人 | A kind of method, system and device of securely communicating data |
Also Published As
| Publication number | Publication date |
|---|---|
| CN102143163A (en) | 2011-08-03 |
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