CN102592242A - Account unlocking system and method - Google Patents
Account unlocking system and method Download PDFInfo
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- CN102592242A CN102592242A CN2012100057049A CN201210005704A CN102592242A CN 102592242 A CN102592242 A CN 102592242A CN 2012100057049 A CN2012100057049 A CN 2012100057049A CN 201210005704 A CN201210005704 A CN 201210005704A CN 102592242 A CN102592242 A CN 102592242A
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Abstract
The invention discloses an account unlocking system and an account unlocking method. The system comprises a registration system, a data processing center, a login system and an unlocking center, wherein the registration system is used for receiving the registration of a user; the data processing center is used for storing the registration information of the user; the login system is used for receiving the login information of the user, and forwarding the login information to the data processing center; the unlocking center is used for generating an unlocking code for the login of the user; the data processing center transmits an instruction to the unlocking center, and receives the unlocking code; the login system is also used for receiving an unlocking code input by the user, and forwarding the unlocking code to the data processing center; and the data processing center is also used for comparing the unlocking code input by the user with the unlocking code transmitted by the unlocking center, performing unlocking if the unlocking code input by the user is consistent with the unlocking code transmitted by the unlocking center, and not performing unlocking if the unlocking code input by the user is inconsistent with the unlocking code transmitted by the unlocking center. By the system and the method, the transaction security of a financial system can be effectively improved; and the system and the method are easy and convenient to operate and low in network load, and a few network resources are occupied, so that the stability of financial transaction can be greatly improved, and the degree of satisfaction of a client can be improved.
Description
Technical field
The present invention relates to a kind of account unlocking system and method, specifically, is unblank account unlocking system and the method that can login behind the unlock code at center of a kind of input.
Background technology
Along with continuous development economic and science and technology; The service of financial institution is also more and more diversified; As: Web bank's service, Internet stock trading service, telephone bank's service, the service of phone security or the like; As long as the client has offered account, just can carry out relationship trading through phone or network access, very convenient quick.Because online transaction does not need the client to arrive the sales counter transacting business in person, so be easy to opportunity to the lawless person is arranged, for example the lawless person steals client's accounts information through all means, pretends to be the client to carry out online transaction then, makes the client sustain a loss.The capable website of white alloy incident for example again, the hacker inveigles bank client to land the capable website of this white alloy through all means, and the login data of being imported when the client logined the capable website of white alloy steals, and pretends to be the client to carry out online transaction then, makes the client suffer huge loss.
Occur some at present and solved the way of relevant issues.Like one Chinese patent application number: 200910189162.3 patent of invention; A kind of user mobile phone incoming call just can conclude the business once account unlocking system and method received proposed; What adopt is that each user's account is when concluding the business; Can be according in one period phase fixed time before this transaction, whether user's mobile phone once sent a telegraph the calling designated telephone number, determined whether allowing carrying out this transaction.It has the defective of two aspects, and the one, all need send a telegraph affirmation before the transaction, then can cause very big added burden to communication network, too much if synchronization is sent a telegraph the user, may cause the communication network paralysis.The 2nd, the client might put through its designated telephone unintentionally, thereby has caused potential safety hazard for account.
How ensureing client's account safety, is that each financial institution remains constantly perfect problem.
Summary of the invention
The technical matters that the present invention will solve provides a kind of account unlocking system and method, can improve security, and reduces network burden, improves the stability of service.
In order to solve the problems of the technologies described above, the invention provides a kind of account unlocking system, comprising:
Accreditation System is used to accept user's registration;
Data processing centre (DPC) is used to store user's log-on message;
Login system is used to receive user's log-on message, and is transmitted to said data processing centre (DPC), and said data processing centre (DPC) also is used for sending instruction to the center of unblanking;
Unblank to be used for after the instruction of receiving said data processing centre (DPC) at the center, be this login generation unlock code of user, and unlock code is sent to data processing centre (DPC) and user mobile phone respectively;
Said login system also is used to receive the unlock code of user's input; And this unlock code is transmitted to said data processing centre (DPC), said data processing centre (DPC) also is used for the unlock code of user's input is compared with the unlock code that send at the center of unblanking, if consistent; Then unblank; Allow user's login, otherwise do not unblank, forbid that the user logins.
Further, the said center of unblanking comprises:
The unlock code maker is used for generating at random unlock code at random;
The short message signal transmitter, the unlock code that is used for the said maker of unlock code is at random generated sends to user mobile phone with the form of short message.
Further, said unlock code has 6.
The present invention also provides a kind of account method for unlocking, comprising:
The user at first opens an account in financial institution, registers through Accreditation System then, deposits log-on message in the financial institution data processing enter;
The user after the financial institution data processing enter is received user login information, sends instruction to the center of unblanking when using login system to login own account;
The center of unblanking generates unlock code at random for this login of user, sends on the user mobile phone with the note form through Short Message Service Gateway and mobile operator network; The center of unblanking will be saved in for unlock code that this login of user generates at random in the financial institution data processing enter in the user account data simultaneously;
After the user receives unlock code, in login system, import unlock code;
The unlock code that login system is fed back the input center of unblanking of user's logon account information and user's input is transferred to the financial institution data processing enter;
The financial institution data processing enter is compared relevant information, if coincide, then unblanks, and the user gets into the account system, carries out its relationship trading.
Further, said unlock code has 6.
Further, said log-on message comprises account that the user offers in financial institution in advance and password, user identity card number and the phone number of handling with I.D..
Further; When the user registers through Accreditation System; The account name of Accreditation System input is handled the logon account name and the login password that obtain after the relevant account opening procedure at financial institution's sales counter with login password with the user in advance compare authentication through the financial institution data processing enter; Fit like a glove, registration could success.
Further, after the user registration success, the financial institution data processing enter is bound subscriber phone number and user's account and password, user identity card number.
Further, after the user logins success, said unlock code is changed to inefficacy.
Number of the account unlocking system of the present invention and method can effectively improve the transaction security of financial sector, and simple to operation, to take Internet resources few, the burden of network is little, therefore can improve the stability of financial transaction greatly, improves client's satisfaction.
Description of drawings
Fig. 1 is the frame diagram of number of the account unlocking system of the present invention.
Fig. 2 forms module map for the inside of Accreditation System among the present invention.
Fig. 3 forms module map for the inside of data processing centre (DPC) among the present invention.
Fig. 4 forms module map for the inside of login system among the present invention.
Fig. 5 is the internal framework figure at the center of unblanking among the present invention.
Embodiment
Below in conjunction with accompanying drawing and specific embodiment the present invention is described further so that those skilled in the art can better understand the present invention and implementing, but the embodiment that lifts not conduct to qualification of the present invention.
The present invention relates to financial industry online transaction safety technique field, be specifically related to the service of aspects such as Web bank, Internet stock trading.
As shown in Figure 1; Described system include user's Accreditation System 1, financial institution data processing enter 2, user's login system 3, the center 4 of unblanking, Short Message Service Gateway 5, mobile operator network 6, each user mobile phone 7, be provided with the account system 8 of each user account; Wherein, User's Accreditation System 1 links to each other with financial institution data processing enter 2, and logging in system by user 3 links to each other with financial institution data processing enter 2, and user account system 8 links to each other with financial institution data processing enter 2; The center 4 of unblanking links to each other with financial institution data processing enter 2, and links to each other with mobile operator network 6 through Short Message Service Gateway 5.
The user need carry out online transaction, must handle sales counter to financial institution's related service in person and open an account, and obtains logining the user account name and the password of online transaction system.
The user registers through the over-network registration system 1 that relevant financial institution provides; As shown in Figure 2; Accreditation System 1 comprises: the phone number load module 104 that user's account name load module 101, user's password load module 102, user's ID card No. load module 103, user handle with I.D.; When user's input finishes; Click and confirm that Accreditation System 1 is submitted to financial institution data processing enter 2 with user's registration information, relevant information deposits financial institution data processing enter 2 in; 2 couples of users' of financial institution data processing enter account name, user's password, user's information such as ID card No. are carried out authentication; If relevant information is consistent with the information that user in advance handles at sales counter, then succeed in registration, database is bound processing with user's account name, user's password and the phone number that the user handles with I.D. simultaneously.
As shown in Figure 3, said financial institution data processing enter 2 comprises following information handling system: user's login account Verification System 201, user login code Verification System 202, user identity card number Verification System 203, subscriber phone number Verification System 204, user be unlock code Verification System 205, user's login account infosystem 206, user login code infosystem 207, user identity card number information system 208, subscriber phone number infosystem 209, user unlock code infosystem 210 at random at random.
As shown in Figure 4; Login system 3 comprises: user account load module 301, user cipher load module 302, unlock code application module 303, the random code of unblanking load module 304 at random; The user is when using the own account of login system 3 logins; At first import oneself account name and password; Click unlock code application button at random then, relevant information is transferred to financial institution data processing enter 2 through the internet, after financial institution data processing enter 2 is received user login information; Send instruction to the center of unblanking 4; Unblank center 4 for this login of user generates 6 unlock codes at random, send to the note form on the user mobile phone 7 that is bundled on the account through Short Message Service Gateway 4 and mobile operator network 5, the center 4 of unblanking simultaneously will be saved in the financial institution data processing enter 2 user account data for 6 unlock codes that this login of user generates at random.
As shown in Figure 5, the said center 4 of unblanking comprises following hardware module: unlock code maker 401, short message signal transmitter 402 at random.Wherein, the unlock code maker is used for generating at random unlock code at random; The short message signal transmitter, the unlock code that is used for the said maker of unlock code is at random generated sends to user mobile phone with the form of short message.
After the user receives the unlock code at the center of unblanking, in login system 3, import unlock code;
Transaction is accomplished, and after the user withdrawed from the account system, this time unlock code lost efficacy at random, and account is locked thereupon.The user is logon account system again if desired, then needs repetition aforesaid operations step.
In the present invention; Described account system 8 can be the account system of bank; Account system 8 also can be the account system of securities broker company, and account system 8 can also be the account system of other financial institution, and account system 8 also can be some account systems that third party's payment services are provided; Like the account system of accounts such as Alipay, QQ, Paypal, perhaps relate to the account system of some money.Explanation for ease, deserving to be called without exception in this manual and stating these account systems is account system 8.
Number of the account method for unlocking of the present invention comprises:
Step 2: the user is when using the own account of login system 3 logins; After financial institution data processing enter 2 is received user login information; Send instruction to the center of unblanking 4; Unblank center 4 for this login of user generates 6 unlock codes at random, send on the user mobile phone 7 with the note form through Short Message Service Gateway 4 and mobile operator network 5:, the center 4 of unblanking simultaneously will be saved in the financial institution data processing enter 2 in the user account data for this login of user generates 6 unlock codes at random;
Step 3: after the user receives unlock code, in login system 3, import unlock code;
Step 4: login system 4 is transferred to the unblank unlock code of center 4 feedbacks of the input of user's logon account information and user input in the financial institution data processing enter 2; Financial institution data processing enter 2 is compared relevant information; If coincide; Then unblank, the user gets into account system 8, carries out its relationship trading.
In order to guarantee security, the user must handle relevant account opening procedure at financial institution's sales counter in advance, obtains logon account name and login password.In the said step 1; The phone number that the log-on message that the user registers through Accreditation System 1 comprises account that the user offers in financial institution in advance and password, user identity card number, handles with I.D.; The account name that has only the user in Accreditation System 1, to import is handled the logon account name and the login password that obtain after the relevant account opening procedure at financial institution's sales counter with login password in advance with the user and is compared authentication through financial institution data processing enter 2; Fit like a glove, registration could success.
The phone number that log-on message in the said step 1 comprises account that the user offers in financial institution in advance and password, user identity card number, handles with I.D.; After succeeding in registration, financial institution data processing enter 2 is bound subscriber phone number and user's account and password, user identity card number.
Unblank in the said step 2 center 4 generates 6 unlock codes at random for this login of user, these 6 unlock codes only this login effectively, in case the user accomplishes this operation, withdraw from the account system after, these 6 unlock codes will lose effectiveness.
Financial institution data processing enter 2 is compared relevant information in the said step 4; Its relevant information comprises: user's login account, login password, the center 4 of unblanking generate 6 unlock codes at random for this login of user; Have only 3 aspect information to fit like a glove, just unblank.
Below specified the characteristic of system and method for the present invention; Though the above-described embodiment of the present invention explains; But the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can make many-sided change and variation.
Unblank account unlocking system and the method that can login behind the unlock code at center of a kind of input of the present invention can prevent effectively that the user is stolen in the account of financial institution, ensures the safety of fund in the account.
The above embodiment is the preferred embodiment that proves absolutely that the present invention lifts, and protection scope of the present invention is not limited thereto.Being equal to that the technician in present technique field is done on basis of the present invention substitutes or conversion, all within protection scope of the present invention.Protection scope of the present invention is as the criterion with claims.
Claims (9)
1. an account unlocking system is characterized in that, comprising:
Accreditation System is used to accept user's registration;
Data processing centre (DPC) is used to store user's log-on message;
Login system is used to receive user's log-on message, and is transmitted to said data processing centre (DPC), and said data processing centre (DPC) also is used for sending instruction to the center of unblanking;
Unblank to be used for after the instruction of receiving said data processing centre (DPC) at the center, be this login generation unlock code of user, and unlock code is sent to data processing centre (DPC) and user mobile phone respectively;
Said login system also is used to receive the unlock code of user's input; And this unlock code is transmitted to said data processing centre (DPC), said data processing centre (DPC) also is used for the unlock code of user's input is compared with the unlock code that send at the center of unblanking, if consistent; Then unblank; Allow user's login, otherwise do not unblank, forbid that the user logins.
2. account unlocking system according to claim 1 is characterized in that, the said center of unblanking comprises:
The unlock code maker is used for generating at random unlock code at random;
The short message signal transmitter, the unlock code that is used for the said maker of unlock code is at random generated sends to user mobile phone with the form of short message.
3. account unlocking system according to claim 1 and 2 is characterized in that, said unlock code has 6.
4. an account method for unlocking is characterized in that, comprising:
The user at first opens an account in financial institution, registers through Accreditation System then, deposits log-on message in the financial institution data processing enter;
The user after the financial institution data processing enter is received user login information, sends instruction to the center of unblanking when using login system to login own account;
The center of unblanking generates unlock code at random for this login of user, sends on the user mobile phone with the note form through Short Message Service Gateway and mobile operator network; The center of unblanking will be saved in for unlock code that this login of user generates at random in the financial institution data processing enter in the user account data simultaneously;
After the user receives unlock code, in login system, import unlock code;
The unlock code that login system is fed back the input center of unblanking of user's logon account information and user's input is transferred to the financial institution data processing enter;
The financial institution data processing enter is compared relevant information, if coincide, then unblanks, and the user gets into the account system, carries out its relationship trading.
5. account method for unlocking according to claim 4 is characterized in that, said unlock code has 6.
6. account method for unlocking according to claim 4 is characterized in that, said log-on message comprises account that the user offers in financial institution in advance and password, user identity card number and the phone number of handling with I.D..
7. account method for unlocking according to claim 6; It is characterized in that; When the user registers through Accreditation System; The account name of Accreditation System input is handled the logon account name and the login password that obtain after the relevant account opening procedure at financial institution's sales counter with login password with the user in advance compare authentication through the financial institution data processing enter, fit like a glove, registration could success.
8. account method for unlocking according to claim 7 is characterized in that, after the user registration success, the financial institution data processing enter is bound subscriber phone number and user's account and password, user identity card number.
9. account method for unlocking according to claim 7 is characterized in that, after the user logins success, said unlock code is changed to inefficacy.
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| CN2012100057049A CN102592242A (en) | 2012-01-10 | 2012-01-10 | Account unlocking system and method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2012100057049A CN102592242A (en) | 2012-01-10 | 2012-01-10 | Account unlocking system and method |
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| CN102592242A true CN102592242A (en) | 2012-07-18 |
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| CN104202169A (en) * | 2014-07-30 | 2014-12-10 | 林政毅 | Account verification method and system |
| CN108337265A (en) * | 2018-02-28 | 2018-07-27 | 四川新网银行股份有限公司 | A kind of double verification method of resetting enterprise Internetbank login password |
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| CN1889421A (en) * | 2006-04-28 | 2007-01-03 | 珠海市西山居软件有限公司 | Account number protecting apparatus and method |
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| CN108337265A (en) * | 2018-02-28 | 2018-07-27 | 四川新网银行股份有限公司 | A kind of double verification method of resetting enterprise Internetbank login password |
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Application publication date: 20120718 |