CN102034307A - Electronic wallet-based dynamic password authentication system and method - Google Patents

Electronic wallet-based dynamic password authentication system and method Download PDF

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Publication number
CN102034307A
CN102034307A CN2010106185747A CN201010618574A CN102034307A CN 102034307 A CN102034307 A CN 102034307A CN 2010106185747 A CN2010106185747 A CN 2010106185747A CN 201010618574 A CN201010618574 A CN 201010618574A CN 102034307 A CN102034307 A CN 102034307A
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China
Prior art keywords
stored value
value card
dynamic password
dynamic
display module
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CN2010106185747A
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Chinese (zh)
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谈剑锋
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Shanghai Peoplenet Security Technology Co Ltd
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Shanghai Peoplenet Security Technology Co Ltd
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Priority to CN2010106185747A priority Critical patent/CN102034307A/en
Publication of CN102034307A publication Critical patent/CN102034307A/en
Pending legal-status Critical Current

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Abstract

The invention discloses an electronic wallet-based dynamic password authentication system, which comprises an electronic wallet, a remote server, a dynamic password generating module and a display module, wherein the electronic wallet comprises a non-contact card reader interface; the dynamic password generating module is connected with the electronic wallet, and is used for generating a group of dynamic passwords when receiving a read write command sent by a card reader to the electronic wallet through the non-contact card reader interface; the display module is used for displaying the dynamic passwords; and the remote server is used for regularly generating random passwords and receiving and authenticating the dynamic passwords to check whether the random passwords are consistent with the synchronously generated dynamic passwords. The module with function of generating dynamic passwords is embedded in the non-contact electric wallet, the security authentication on the data read write of a non-contact smart card is further carried out, and the generated dynamic passwords and transaction information are displayed.

Description

A kind of dynamic cipher authentication system and method based on stored value card
Technical field
The present invention relates to a kind of field of intelligent cards, relate in particular to a kind of dynamic cipher authentication system and method based on stored value card.
Background technology
Development along with the application of IC cards field, the user is also more and more higher to the requirement of the application function of smart card, wish that smart card can provide increasing application function, to satisfy people's security, convenience and diversified demand in use, stored value card arises at the historic moment, smart card electronic wallet and application system thereof as electronic money record a large amount of important informations on it, security is extremely important.
But the networking of information application system realizes information sharing and extensively and profoundly application the time, also brought the problem of data security, if there are not enough safety guarantee, information stores on public communication network, share and transmission just might be by illegal wiretapping, intercept, distort or damage, the development of infotech makes that information security issue also more and more is people's concern.The most common and simple access control method is by the coupling of static password being confirmed the authenticity of user identity in information network.Yet there are a lot of defectives in traditional static password, and for example, password is guessed by the people easily or obtained by approach such as communication engineering sciences, is spied on by the people easily during the input password etc.Though disposal password is strongr than reusable static password, still there is the weakness that is utilized in they, and disposal password still is single factor authentication, rather than powerful authentification of user.
A kind of way that solves the static password security is to use dynamic password (One-time Password-OTP), and it refers to user's password according to time or the continuous dynamic change of access times, and each password only uses once.Dynamic password adopts a kind of specialized hardware that is referred to as dynamic token, and built-in power, password generate chip and display screen.Password generates the special cryptographic algorithm of chip operation, generates current password and is presented on the display screen according to current time or access times.Certificate server adopts the identical current valid password of algorithm computation.Because each password that uses must be produced by dynamic token, has only validated user to hold this hardware, as long as password authentification is passed through, system just can think that this user's identity is reliable.And the each password that uses of user is all different, even the hacker has intercepted and captured password one time, also can't utilize the counterfeit validated user identity of this password.
Stored value card is still smart card in essence, adopts microelectric technique to carry out the storage and the processing of information, and a kind of as smart card is client's a kind of means of payment commonly used in the ecommerce shopping activity.Card reader comprises contact Card Reader and contactless read-write card dual mode to the Card Reader mode of stored value card: the contact read-write card is contacted by the contact of card reader and the contact on the smart card card and to carry out reading and writing data, as IC-card etc.; Contactless read-write card is not had circuit contacts, is read and write by contactless read-write technology by smart card and card reader.This class read-write mode generally is used in the occasion that access is frequent, environment for use is abominable.The RFID radio-frequency (RF) identification is a kind of contactless automatic identification technology, and it is by the automatic recognition objective object of radiofrequency signal and obtain related data, and identification work need not manual intervention, can work in various rugged surroundings.
For above-mentioned contactless electronic wallet, on the one hand, still do not have the dynamic password verification function at present, be difficult to guarantee the security of customer transaction; On the other hand, the user often wishes to see authentication password usually when carrying out authentication and transaction, confirm transaction record, and understand the Recent Activity information profile that traditional contactless electronic wallet can not reach user's requirement.
Summary of the invention
The objective of the invention is defective at the prior art existence, a kind of dynamic cipher authentication system based on stored value card is provided, it has the module of dynamic password systematic function by embedding on the contactless electronic wallet, further contactless electronic wallet reading and writing data is being carried out safety certification, and showing dynamic password and the Transaction Information that generates by built-in display screen.
Another object of the present invention provides a kind of dynamic cipher authentication method based on stored value card, its dynamic password generation modules by built-in OTP algorithm is verified random cipher and dynamic password, further stored value card is read and write data and carry out safety certification, and show dynamic password and customer transaction information.
In order to achieve the above object, the present invention proposes a kind of dynamic cipher authentication system based on stored value card, described system comprises: stored value card, far-end server, dynamic password generation modules and display module, wherein said stored value card comprise a contactless card reading interface;
Described dynamic password generation modules links to each other with stored value card, is used for generating one group of dynamic password when receiving card reader when by described contactless card reading interface described stored value card being sent read write command;
Described display module is used for showing described dynamic password;
Described far-end server is used for regularly producing random cipher, and receives the described dynamic password of authentication to verify whether described random cipher is consistent with the described dynamic password that generates synchronously.
Preferably, described contactless card reading interface is the RFID interface, and described RFID interface comprises an electronic tag.
Preferably, described system also comprises a synchronous clock, is used for realizing the time synchronized of described far-end server and dynamic password generation modules.
Preferably, described system comprises that more a button links to each other with described dynamic password generation modules, is used for controlling described display module and shows described dynamic password, and wherein, described display module comprises a display screen.
Preferably, when described far-end server was verified described random cipher and the result of the described dynamic password of generation is consistent synchronously, described card reader was carried out the read-write of transaction data to described stored value card.
Preferably, described dynamic password generation modules more is used for described transaction data is treated to the transaction related data information, and display module more is used to control described display module and shows described transaction related data information.
Preferably, described system more comprises a memory module, is used for storing described transaction related data information, forms historical transactional information.
Preferably, described button more is used to control described display module and reads and show described historical transactional information to described memory module.
In order to realize aforementioned goal of the invention, the embodiment of the invention has also proposed a kind of dynamic cipher authentication method based on stored value card, and described method comprises:
When card reader was sent read write command to described stored value card, the dynamic password generation modules that links to each other with described stored value card generated one group of dynamic password, and wherein, described stored value card comprises a contactless card reading interface;
The display module that links to each other with described dynamic password generation modules shows described dynamic password;
Far-end server regularly produces random cipher, and receives the described dynamic password of authentication to verify whether described random cipher is consistent with the described dynamic password that generates synchronously.
Above-mentioned dynamic cipher authentication method based on stored value card, described method comprise that described contactless card reading interface is the RFID interface, and described RFID interface comprises an electronic tag.
Above-mentioned dynamic cipher authentication method based on stored value card, described method also comprise the time synchronized that realizes described far-end server and dynamic password generation modules by a synchronous clock.
Above-mentioned dynamic cipher authentication method based on stored value card, described method also comprise, sends steering order by a button that links to each other with described dynamic password generation modules and control described display module and show described dynamic password.
Above-mentioned dynamic cipher authentication method based on stored value card, when described far-end server was verified described random cipher and the result of the described dynamic password of generation is consistent synchronously, described card reader was carried out the read-write of transaction data to described stored value card.
Above-mentioned dynamic cipher authentication method based on stored value card, after described dynamic password generation modules was treated to described transaction data the transaction related data information, described display module showed described transaction related data information according to the control of described button.
Above-mentioned dynamic cipher authentication method based on stored value card, described method also comprise, store described transaction related data information by a memory module that links to each other with described dynamic password generation modules, form historical transactional information.
Above-mentioned dynamic cipher authentication method based on stored value card, described method also comprise, reads and show described historical transactional information to described memory module by the described display module of key control by described.
Compared with prior art, the dynamic cipher authentication system and the method that the present invention is based on stored value card have the module of dynamic password systematic function by embedding on the contactless electronic wallet, random cipher and dynamic password are verified, further contactless electronic wallet reading and writing data is being carried out safety certification, and showing dynamic password and the Transaction Information that generates by built-in display screen.
Description of drawings
By the description of its exemplary embodiment being carried out below in conjunction with accompanying drawing, the above-mentioned feature and advantage of the present invention will become apparent and understand easily.
Fig. 1 is the composition synoptic diagram of the embodiment of the invention 1 based on the dynamic cipher authentication system of stored value card;
Fig. 2 is the synoptic diagram of the embodiment of the invention 2 based on the dynamic cipher authentication system of stored value card;
Fig. 3 is the synoptic diagram of the embodiment of the invention 3 based on the dynamic cipher authentication system of stored value card;
Fig. 4 is the process flow diagram of the embodiment of the invention 4 based on the dynamic cipher authentication method of stored value card.
Embodiment
Below in conjunction with accompanying drawing the present invention is described in further detail.
As depicted in figs. 1 and 2, a kind of dynamic cipher authentication system based on stored value card, described system comprises: stored value card, far-end server, dynamic password generation modules and display module, wherein said stored value card comprise a contactless card reading interface;
Described dynamic password generation modules links to each other with stored value card, is used for generating one group of dynamic password when receiving card reader when by described contactless card reading interface described stored value card being sent read write command;
Described display module is used for showing described dynamic password;
Described far-end server is used for regularly producing random cipher, and receives the described dynamic password of authentication to verify whether described random cipher is consistent with the described dynamic password that generates synchronously.
Further, described contactless card reading interface is the RFID interface, and described RFID interface comprises an electronic tag.
The embodiment of the invention 1 and 2 stored value card are the non-contact type wireless radio-frequency (RF) identification smart cards that adopts the RFID technology.The basic functional principle of RFID technology is after electronic tag enters magnetic field, receive the radiofrequency signal that read-write equipment sends, rely on the energy that induction current obtained to send out product information (the Passive Tag that is stored in the chip, passive label or passive label), perhaps initiatively send the signal (Active Tag, active label or active tag) of a certain frequency; After read-write equipment reads information and decoding, deliver to CIS and carry out the relevant data processing.
Further, described system also comprises a synchronous clock, is used for realizing the time synchronized of described far-end server and dynamic password generation modules.
Again further, described system more comprises a button, links to each other with dynamic password generation modules, is used for sending steering order and controls described display module and show described dynamic password.
When described far-end server was verified described random cipher and the result of the described dynamic password of generation is consistent synchronously, described card reader was carried out the read-write of transaction data to described stored value card.Described dynamic password generation modules more is used for described transaction data is treated to the transaction related data information, display module more is used for showing described transaction related data information according to described steering order, wherein, described transaction related data information comprises current remaining sum, trading object, exchange hour, loco, dealing money or transactions balances.
Again further, as shown in Figure 3, the described system of the embodiment of the invention 3 more comprises a memory module, is used for storing described transaction related data information, forms historical transactional information.Described button more is used to control described display module and reads and show described historical transactional information to described memory module.
Far-end server connects a plurality of stored value cards that the user holds respectively.After stored value card entered the workspace, far-end server was communicated by letter with stored value card by the internet.Far-end server is as an authentication main body, is used for a plurality of stored value cards in the management server system, and identity authentication function is provided; It is ceaselessly generating random cipher, and the dynamic password that the dynamic password generation modules of the respective electronic wallet of holding with the client generates is compared the validity of checking client identity.
When random cipher was consistent with the dynamic password that generates synchronously, the authentication of stored value card was passed through, and starts stored value card, carries out the read operation of stored value card data message; When the dynamic password of random cipher and generation synchronously was inconsistent, the stored value card that the user holds was illegal card, can not be by authentication, with the further data read-write operation of refusal stored value card.
Checking by dynamic password, can carry out read operation to the stored value card data, after sense data is handled, result data to stored value card shows again, the user can see the result data that returns by display screen, judge that by these data whether this transaction results meets correctly, avoids the error in data that may cause in the process operation data.
As shown in Figure 4, the embodiment of the invention 4 also provides a kind of dynamic cipher authentication method based on stored value card, said method comprising the steps of:
Step 1, when card reader is sent read write command to described stored value card, the dynamic password generation modules that links to each other with described stored value card generates one group of dynamic password, wherein, described stored value card comprises a contactless card reading interface;
Step 2, the display module that links to each other with described dynamic password generation modules show described dynamic password;
Step 3, far-end server regularly produce random cipher, and receive the described dynamic password of authentication to verify whether described random cipher is consistent with the described dynamic password that generates synchronously.
Described contactless card reading interface is the RFID interface, and described RFID interface comprises an electronic tag.
Further, described method also comprises the time synchronized that realizes described far-end server and dynamic password generation modules by a synchronous clock.
Further, described method also comprises, sends steering order by a button that links to each other with dynamic password generation modules and controls described display module and show described dynamic password.
When described far-end server was verified described random cipher and the result of the described dynamic password of generation is consistent synchronously, described card reader was carried out the read-write of transaction data to described stored value card.When described dynamic password generation modules reads transaction data to described to stored value card synchronously, and after described transaction data was treated to the transaction related data information, the steering order that described display module also sends according to button showed described transaction related data information.The user can be according to the needs of oneself, by whether needing to show transaction data by key control.When display module demonstrated the transaction related data information, button was pressed once more, and the information that can also close display module shows.
Again further, described method also comprises, stores described transaction related data information by a memory module that links to each other with dynamic password generation modules, forms historical transactional information.
Again further, described method also comprises, sends steering order by key control and controls described display module and read and show described historical transactional information to described memory module by described.Like this, smart card system has just been preserved the historical trading process data, and the user can be according to the needs of oneself, when needs are reviewed in the past process of exchange, calls the historical data in the memory module, demonstrates these historical datas by the display screen on the smart card system.
When random cipher was consistent with the dynamic password that generates synchronously, the authentication of stored value card was passed through, and starts stored value card, carries out the read operation of stored value card data message; When the dynamic password of random cipher and generation synchronously was inconsistent, the stored value card that the user holds was illegal card, can not be by authentication, and the further data read-write operation with the refusal stored value card has increased the security of electronic wallet application system.
It should be noted that; above content is to further describing that the present invention did in conjunction with concrete embodiment; can not assert that the specific embodiment of the present invention only limits to this; under above-mentioned guidance of the present invention; those skilled in the art can carry out various improvement and distortion on the basis of the foregoing description, and these improvement or distortion drop in protection scope of the present invention.

Claims (16)

1. the dynamic cipher authentication system based on stored value card is characterized in that, described system comprises:
Stored value card, far-end server, dynamic password generation modules and display module, wherein said stored value card comprise a contactless card reading interface;
Described dynamic password generation modules links to each other with stored value card, is used for generating one group of dynamic password when receiving card reader when by described contactless card reading interface described stored value card being sent read write command;
Described display module is used for showing described dynamic password;
Described far-end server is used for regularly producing random cipher, and receives the described dynamic password of authentication to verify whether described random cipher is consistent with the described dynamic password that generates synchronously.
2. according to the dynamic cipher authentication system based on stored value card of claim 1, it is characterized in that described contactless card reading interface is the RFID interface.
3. according to the dynamic cipher authentication system based on stored value card of claim 1 or 2, it is characterized in that described system also comprises a synchronous clock, be used for realizing the time synchronized of described far-end server and dynamic password generation modules.
4. according to the dynamic cipher authentication system based on stored value card of claim 3, it is characterized in that described system comprises that more a button links to each other with described dynamic password generation modules, is used for controlling described display module and shows described dynamic password, wherein, described display module comprises a display screen.
5. according to the dynamic cipher authentication system based on stored value card of claim 4, it is characterized in that, when described far-end server was verified described random cipher and the result of the described dynamic password of generation is consistent synchronously, described card reader was carried out the read-write of transaction data to described stored value card.
6. according to the dynamic cipher authentication system based on stored value card of claim 5, it is characterized in that, described dynamic password generation modules more is used for described transaction data is treated to the transaction related data information, and display module more is used to control described display module and shows described transaction related data information.
7. the dynamic cipher authentication system based on stored value card according to claim 6 is characterized in that described system more comprises a memory module, is used for storing described transaction related data information, forms historical transactional information.
8. the dynamic cipher authentication system based on stored value card according to claim 6 is characterized in that, described button more is used to control described display module and reads and show described historical transactional information to described memory module.
9. dynamic cipher authentication method based on stored value card, it is characterized in that, described method comprises: when card reader is sent read write command to described stored value card, the dynamic password generation modules that links to each other with described stored value card generates one group of dynamic password, wherein, described stored value card comprises a contactless card reading interface;
The display module that links to each other with described dynamic password generation modules shows described dynamic password;
Far-end server regularly produces random cipher, and receives the described dynamic password of authentication to verify whether described random cipher is consistent with the described dynamic password that generates synchronously.
10. the dynamic cipher authentication method based on stored value card according to claim 9 is characterized in that, described method comprises that described contactless card reading interface is the RFID interface.
11. the dynamic cipher authentication method based on stored value card according to claim 9 or 10 is characterized in that, described method also comprises the time synchronized that realizes described far-end server and dynamic password generation modules by a synchronous clock.
12. the dynamic cipher authentication method based on stored value card according to claim 11, it is characterized in that, described method also comprises, sends steering order by a button that links to each other with described dynamic password generation modules and controls described display module and show described dynamic password.
13. the dynamic cipher authentication method based on stored value card according to claim 12, it is characterized in that, when described far-end server was verified described random cipher and the result of the described dynamic password of generation is consistent synchronously, described card reader was carried out the read-write of transaction data to described stored value card.
14. the dynamic cipher authentication method based on stored value card according to claim 13, it is characterized in that, after described dynamic password generation modules was treated to described transaction data the transaction related data information, described display module showed described transaction related data information according to the control of described button.
15. the dynamic cipher authentication method based on stored value card according to claim 13, it is characterized in that, described method also comprises, stores described transaction related data information by a memory module that links to each other with described dynamic password generation modules, forms historical transactional information.
16. the dynamic cipher authentication method based on stored value card according to claim 15 is characterized in that, described method also comprises, controls described display module by key control and reads and show described historical transactional information to described memory module by described.
CN2010106185747A 2010-12-31 2010-12-31 Electronic wallet-based dynamic password authentication system and method Pending CN102034307A (en)

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CN103491090A (en) * 2013-09-23 2014-01-01 金蝶软件(中国)有限公司 Safety authentication method, device and system
CN105719137A (en) * 2016-01-18 2016-06-29 连连银通电子支付有限公司 System and method for authenticating electronic account
CN108038938A (en) * 2017-11-30 2018-05-15 成都科力夫科技有限公司 Attendance checking system based on Radio Frequency Identification Technology
CN108183889A (en) * 2017-12-15 2018-06-19 深圳市文鼎创数据科技有限公司 Identity identifying method and identification authentication system
CN109690596A (en) * 2016-08-02 2019-04-26 埃迪米亚法国公司 Dynamic security code for card transaction
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Application publication date: 20110427