CN103258268A - Identity authentication method of transaction system - Google Patents

Identity authentication method of transaction system Download PDF

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Publication number
CN103258268A
CN103258268A CN 201310049682 CN201310049682A CN103258268A CN 103258268 A CN103258268 A CN 103258268A CN 201310049682 CN201310049682 CN 201310049682 CN 201310049682 A CN201310049682 A CN 201310049682A CN 103258268 A CN103258268 A CN 103258268A
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China
Prior art keywords
transaction system
unique identifier
intelligent card
chip intelligent
chip
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CN 201310049682
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Chinese (zh)
Inventor
林恭正
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We Rdonline Co ltd
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We Rdonline Co ltd
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Publication of CN103258268A publication Critical patent/CN103258268A/en
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Abstract

The identity authentication method of transaction system is characterized by that it uses mobile telephone number and unique identification code of any chip intelligent card as transaction account number and cipher respectively, and matches them to make the transaction system read the unique identification code of said chip intelligent card again, and can send cipher short message containing cipher to the mobile telephone number matched and connected with the unique identification code of said chip intelligent card, and can make the transaction system request to input the cipher of said cipher short message, and when the inputted cipher is correct, can start its transaction function design.

Description

The identity identifying method of transaction system
Technical field
The present invention relates to a kind of identity identifying method, particularly relate to a kind of identity identifying method for transaction system.
Background technology
Universal day by day along with information system and network system; many consumers are when consumption on network; often to input account number and corresponding password; and for safety; usually can different account numbers and/or password be set in different websites; for example at shopping website, the Internet bank all can be different with account number and the password of mail website, cause the user can have many group accounts and password simultaneously and often mix up and misremember, and manage the puzzlement that these account numbers have become many users.Some people is for convenient good note, can with birthday of own or household as account number cipher, and form secret worry on the money safety.Some people in addition with its account number and password transfer to other people on behalf of management with conclude the business, cause and fall into money peace risk and do not know.
And when consuming in the entity shop, for example take subway, convenient super be purchased thing, the refuelling station adds wet goods, these entity shops all can have the measure of cards such as distribution member card or promotional card usually, enjoy purchase discount etc. to make things convenient for consumer spending or collection point, and each tame transaction system is all only recognized the card corresponding with it, so when many people go out, all can carry many cards on one's body, so that desirable go out to use at any time, yet this has also caused user's puzzlement.
Because above-mentioned these cards all are the chip intelligent card that is implanted with chip usually; and these chip intelligent cards all have unique identifier; this unique identifier all can be read via smart card reader; and because this class chip intelligent card all has certain value; for example subway EasyCard, health care card, bank card, department store collect some card etc.; so the user carries than regular meeting and is careful keeping, it is higher to have the inclination the degree of difficulty that the personage steals.Adding mobile phone also has been the communication device of everyone carry-on indispensability, and Mobile Directory Number also has unique evident characteristics.Therefore, if the unique identifier of any chip intelligent card that Mobile Directory Number and user can be able to be carried is combined, with as the account number of carrying out consumer sale and password, can exempts the puzzlement of remembering account number and password, and can simplify transaction program.
Summary of the invention
The object of the present invention is to provide a kind of identity identifying method that also can improve the transaction convenience for transaction system.
Another object of the present invention is to provide a kind of identity identifying method that improves transaction security.
The identity identifying method of transaction system of the present invention, any chip intelligent card and one group of Mobile Directory Number with chip of unique identifier of can arranging in pairs or groups uses, and comprises following steps: make described transaction system read the step of the unique identifier that stores a chip intelligent card for the first time; Make this transaction system when reading the unique identifier of storage chip smart card for the first time, require the owner's of this chip intelligent card of input Mobile Directory Number, and the unique identifier pairing of this Mobile Directory Number and this chip intelligent card is linked, and set up the step of consumer's archives; Make this transaction system when reading the unique identifier of this chip intelligent card again, send the step of the Mobile Directory Number that a password note that contains one group of password to the unique identifier pairing with this chip intelligent card links via a Communications service merchant; Make this transaction system require the step of the password of this password note of input; And this transaction system is matched when correct in the password of input and the password of its transmission, start the step of its trading function.
The identity identifying method of transaction system of the present invention, any chip intelligent card and one group of Mobile Directory Number with chip of unique identifier of can arranging in pairs or groups uses, and comprises following steps: make described transaction system read the step of the unique identifier that stores a chip intelligent card for the first time; Make this transaction system after reading the unique identifier that stores a chip intelligent card for the first time, require to continue to read the unique identifier that stores another chip intelligent card, and make the unique identifier of two chip intelligent cards match the step that links mutually; Make this transaction system when reading the unique identifier of two chip intelligent cards of pairing for the first time, require the owner's of the described chip intelligent card of input Mobile Directory Number, and the unique identifier pairing of this Mobile Directory Number and described chip intelligent card is linked, and set up the step of consumer's archives; When making this transaction system read one of them unique identifier of described chip intelligent card again, require to read again the step of another unique identifier in the described chip intelligent khaki; And this transaction system is matched when correct in the unique identifier of two chip intelligent cards that read, start the step of its trading function.
The identity identifying method of transaction system of the present invention, any chip intelligent card and one group of Mobile Directory Number with chip of unique identifier of can arranging in pairs or groups uses, and comprises following steps: make described transaction system read the step of the unique identifier that stores a chip intelligent card for the first time; Make this transaction system when reading the unique identifier of chip intelligent card for the first time, require one group of authentication numeral that represents this chip intelligent card owner identity of input, and will authenticate the step that unique identifier pairing digital and this chip intelligent card links; Make this transaction system when reading the unique identifier of chip intelligent card for the first time, require the owner's of this chip intelligent card of input Mobile Directory Number, and the unique identifier of this Mobile Directory Number and this chip intelligent card and authentication digital pairing are linked, and set up the step of consumer's archives; Make this transaction system when reading the unique identifier of this chip intelligent card again, require the step of input authentication numeral; And this transaction system is matched when correct in the unique identifier of the authentication numeral of input and this chip intelligent card, start the step of its trading function.
The identity identifying method of transaction system of the present invention, any chip intelligent card and one group of Mobile Directory Number with chip of unique identifier of can arranging in pairs or groups uses, and comprises following steps: make described transaction system read the step of the unique identifier that stores a chip intelligent card for the first time; Make this transaction system when reading the unique identifier of storage chip smart card for the first time, require the owner's of this chip intelligent card of input Mobile Directory Number, and the unique identifier pairing of this Mobile Directory Number and this chip intelligent card is linked, and set up the step of consumer's archives; And when making this transaction system read the unique identifier of chip intelligent card again, start the step of its trading function.
The identity identifying method of transaction system of the present invention also comprises: make this transaction system in the disconnected news of chip intelligent card the time, close the step of its authentication and trading function.
The identity identifying method of transaction system of the present invention, described password are the set of number that the random number of this transaction system produces.
The identity identifying method of transaction system of the present invention, described password are the set of number of the random number generation of this transaction system and the combination of letter character.
The identity identifying method of transaction system of the present invention, one group of picture image that contains numeral, letter character or its combination that described password produces for this transaction system.
Beneficial effect of the present invention is: by designing as the identity identifying method of transaction account number with password with the unique identifier of Mobile Directory Number and any chip intelligent card, can allow the consumer exempt the trouble of memory account number and password, and have only at the chip intelligent card and be connected just and can conclude the business with the transaction system signal, safe.The password of the input authentication numeral of can arranging in pairs or groups again or password note perhaps adopts the unique identifier of second chip intelligent card as the design of second layer authentication password, and further improves transaction security.
Description of drawings
Fig. 1 is the process flow diagram of first preferred embodiment of the identity identifying method of transaction system of the present invention;
Fig. 2 is the process flow diagram of second preferred embodiment of the identity identifying method of transaction system of the present invention;
Fig. 3 is the process flow diagram of the 3rd preferred embodiment of the identity identifying method of transaction system of the present invention.
Embodiment
The present invention is described in detail below in conjunction with drawings and Examples.
As shown in Figure 1, the preferred embodiment of the identity identifying method of transaction system of the present invention, be applicable to by software and/or hardware mode to be implemented on an electronic trading system, so that the consumer is by the authentication instrument of all kinds of chip intelligent cards with unique identifier when concluding the business.Described transaction system is the transaction system that possesses the unique identifier function that reads the chip intelligent card, and can be the business site that is connected with a card reader, or is arranged on the POS system of entity businessman.Described chip intelligent card can be any kind ofs such as subway EasyCard, health care card, shop collection point card or bank card, and can be induction type chip intelligent card or contact chip intelligent card.
The preferable following steps that comprise of first of the identity identifying method of transaction system of the present invention:
Make this transaction system read the step of the unique identifier that stores a chip intelligent card for the first time.Make this transaction system when the consumer carries out first transaction, earlier this consumer is carried out the data operation of filing, read earlier the unique identifier of arbitrary the chip intelligent card that the consumer provides for the first time, and this unique identifier stored the management of filing, just in this transaction system this consumer's identity is filed for the first time.
Make this transaction system when reading the unique identifier of this chip intelligent card for the first time, require the step of this chip intelligent card owner's of input Mobile Directory Number.Just, when consumer's identity is filed for the first time, require the consumer who takes out this chip intelligent card that its Mobile Directory Number is provided simultaneously, this transaction system can be matched the Mobile Directory Number of input and the unique identifier of this chip intelligent card binding, with the account number of this Mobile Directory Number as this consumer, and with the unique identifier of this chip intelligent card password as this consumer's identity of authentication.
Make this transaction system when reading the unique identifier that stores this chip intelligent card for the first time, require this chip intelligent card user to import the step of one group of authentication numeral.This step is when the consumer is filed for the first time, except requiring to import the Mobile Directory Number, also require this consumer that one group of authentication numeral that represents the numeric type of its identity is provided simultaneously, and the unique identifier of the authentication that will import numeral and this first chip intelligent card and Mobile Directory Number match binding.At this moment, this transaction system is set up consumer's archives to this consumer, and finishes the operation of filing for the first time.In the present embodiment, this authentication numeral is this consumer's date birthday, for example 751214, and during enforcement, also can be ID (identity number) card No..When this authentication numeral can be consumed by this transaction system for this consumer in the future, second road when carrying out authentication checked the outpost of the tax office.
Make this transaction system when reading the unique identifier of this chip intelligent card again, require the step of input authentication numeral.When consumer's archives file for the first time finish after, when this consumer concludes the business via this transaction system again, the unique identifier that this transaction system can require to read a chip intelligent card earlier requires the consumer to import the authentication numeral of previous setting to carry out password authentification at once.
Transaction system is matched when correct in the unique identifier of this authentication numeral and the chip intelligent card that reads, just start the step of its trading function.After this transaction system starts its trading function, continue with situation that this chip intelligent card signal is connected under, can corresponding demonstrate consumer's archives that the unique identifier with this chip intelligent card links, this consumer's archive content comprises this consumer's Mobile Directory Number and the data of other follow-up foundation, for example consume record etc., consult for consumer or businessman, also can further confirm account number with the consumer for businessman, just confirm the Mobile Directory Number that pairing links, in case the stolen situation of this chip intelligent card.In addition, after this transaction system starts its trading function, just can in these consumer's archives, record this consumer's transaction record.This consumption is recorded under the situation that can supply consumer or businessman to start its trading function in this transaction system and is consulted.
Make this transaction system in closing the step of its authentication and trading function when the chip intelligent card signal is connected.This transaction system must remain on this first chip intelligent and hold under the situation that continuous signal is connected, just, this transaction system needs under the situation of the unique identifier that can continue to read this chip intelligent card, this transaction system just can be carried out authentication, and open its trading function, if can't be connected with the chip intelligent card signal, then this transaction system just can be closed its trading function, in case the stolen consumption of account.
Identity identifying method design by above-mentioned transaction system, when the consumer will consume by this transaction system, can directly take out originally the chip intelligent card of setting up consumer's archives in this transaction system and carry out reading of unique identifier for businessman, and this chip intelligent be held continuously be connected with this transaction system signal.Then, digital according to guiding the predefined authentication of input.After this authentication numeral and this unique identifier pairing are correct, just can open the trading function of this transaction system, and the operation of can concluding the business, and this transaction system also can demonstrate this consumer's archives material, for example Mobile Directory Number and consumption record etc. are consulted for consumer or businessman.In the time will closing the trade, only need make this chip intelligent card and this transaction system be interrupted news, just can close the trading function of transaction system.Therefore, the consumer is setting up any website or the businessman of this transaction system, all no longer need to remember in addition account number and password, only need show specific chip intelligent card for reading unique identifier, and after further input represents the authentication numeral of birthday, just can open the trading function of transaction system, quite convenient.And this transaction system can't with situation that this chip intelligent card signal is connected under, also can close its trading function automatically.
In the above-described embodiments, when consumer's identity is filed for the first time, require input to represent the design of the authentication numeral of birthday, can further improve its safety in utilization, and applicable to the transaction system of the higher security mechanism of needs.But when implementing, for the transaction system that does not need this higher security mechanism design, the step of this input authentication numeral is also inessential, at this moment, the consumer only need take out the chip intelligent card and read its unique identifier for this transaction system signal connection, if the existing archives material of setting up this unique identifier in this transaction system, then this transaction system is directly opened its trading function, and demonstrates consumer's archives material with this unique identifier pairing for consulting.
As shown in Figure 2, it is that unique identifier with two chip intelligent cards carries out authentication that second preferred embodiment of the identity identifying method of transaction system of the present invention and first embodiment difference are in: present embodiment, and does not adopt the design of input authentication numeral.For convenience of description, a difference with regard to present embodiment and first embodiment below is described.
In the present embodiment, the indentity identifying method of this transaction system comprises following steps:
Make this transaction system read the step of the unique identifier that stores first chip intelligent card for the first time.This step is identical with first embodiment, no longer describes in detail.
Make this transaction system after reading first chip intelligent card for the first time, require to read the step of the unique identifier that stores second chip intelligent card.Read the unique identifier of this first chip intelligent card for the first time in this transaction system after, require the consumer to provide other one not imported the another one unique identifier by its chip intelligent card that read for reading as yet again, and the unique identifier of this first chip intelligent card and second chip intelligent card matched binding, to carry out the operation of filing for the first time of consumer's archives.
Make this transaction system when reading described chip intelligent card for the first time, require the consumer to import the step of described chip intelligent card owner's Mobile Directory Number.Just, the Mobile Directory Number of input and the unique identifier of described chip intelligent card are matched binding, to set up this consumer's archives.
Make this transaction system in reading first chip intelligent card and second chip intelligent khaki again during one unique identifier, require the consumer to provide in this first chip intelligent card and second the chip intelligent khaki other one, for the step that reads another unique identifier.In this step, mainly be to confirm by the mutual pairing of two groups of unique identifiers, to carry out identity validation, if two groups of unique identifiers reading match when correct, then this transaction system can with situation that the chip intelligent card holding signal of the follow-up unique identifier that reads is connected under its trading function of unlatching.
Make this transaction system after the unique identifier pairing correctly of two chip intelligent cards, the step of opening its trading function.And make this transaction system after interrogating with the chip intelligent card is disconnected, close the step of its authentication and trading function.Because steps such as open and close trading function are all identical with first embodiment, therefore no longer describe in detail.
By the double shielding mechanism of above-mentioned unique identifier with two chip intelligent cards as password, need not remember and import this authentication numeral except making the consumer, and outside more convenient the transaction, also can significantly improve the security mechanism of this transaction system.
As shown in Figure 3, the 3rd preferred embodiment of the identity identifying method of transaction system of the present invention, except the above-mentioned unique identifier that reads the storage chip smart card for the first time, and input Mobile Directory Number, and the pairing of Mobile Directory Number and this unique identifier linked, and set up the step of consumer's archives, and make transaction system close the step of its trading function identical with first embodiment outside, its difference is that present embodiment does not adopt the design of authentication numeral, and also comprises following steps:
When making this transaction system read the unique identifier of this chip intelligent card again, send one via a Communications service merchant and contain the password note of one group of password to the step of this Mobile Directory Number.Read the unique identifier of the chip intelligent card that the consumer provides when this transaction system after, can find out the Mobile Directory Number with this unique identifier pairing, and produce one group of password, then, should organize password via the Communications service merchant with short message mode and be sent to this Mobile Directory Number, collect this password note for this Mobile Directory Number owner by mobile phone.
In the present embodiment, this group password is the set of number combination that the random number of this transaction system produces, during enforcement, the password difficulty also can further be promoted to letter character and the combination of numbers that random number produces, or contain the picture image of the combination of numeral, letter character or numeral and letter character, but when implementing, this group password content is not limited with the above-mentioned type.
Make this transaction system require the password of its transmission of input to carry out the step of authentication.And this transaction system is matched when correct in the password of input and the password of its transmission, start the step of its trading function.This transaction system can require the consumer to input this group password after sending this group password at once, has only when the password of input is correct, and this transaction system just can start its trading function.
This sends password to the design of the Mobile Directory Number of pairing by note, also has the function of reminding this Mobile Directory Number user, when this Mobile Directory Number user receives this password note, find that it is not carrying out any transaction, just can find that its chip intelligent card may be just stolen, and the processing of can reporting to the police at once.Sticking into the people of row consumption because can't obtain this group password and usurp this chip intelligent, thus also can't consume, and businessman also can so find different shape, and give special heed to the consumer that this usurps the chip intelligent card, also help to arrest appropriator.Moreover, because password produces at random, not sharing problem naturally, its transaction security is higher.
In sum, because being many people, chip intelligent card and mobile phone must carry and note object certainly every day, and chip intelligent card and Mobile Directory Number all have characteristic and the encryption feature of unique identification, therefore, by with Mobile Directory Number as the consumer transaction account number, and with the identity identifying method design as trading password of the unique identifier of any chip intelligent card of carrying, can allow the consumer exempt the trouble of memory account number and password, only need show the certain chip smart card during transaction and carry out authentication for reading this unique identifier, and it is if the disconnected news of chip intelligent card and transaction system will be interrupted transaction, safe.If in the time of will further improving the transaction security grade again, then can arrange in pairs or groups again one group and represent the authentication numeral of consumer's identity, perhaps adopt the unique identifier of second chip intelligent card as second layer authentication password, and can be further by transmitting the password of one group of unrest number generation via short message mode to the design of the Mobile Directory Number of the unique identifier pairing that is read by transaction system, and further improve transaction security, help anti-blocking money peace dead angle.Therefore, can reach purpose of the present invention really.

Claims (10)

1. the identity identifying method of a transaction system, any chip intelligent card and one group of Mobile Directory Number with chip of unique identifier of can arranging in pairs or groups uses, and it is characterized in that: this identity identifying method comprises following steps: make described transaction system read the step of the unique identifier that stores a chip intelligent card for the first time; Make this transaction system when reading the unique identifier of storage chip smart card for the first time, require the owner's of this chip intelligent card of input Mobile Directory Number, and the unique identifier pairing of this Mobile Directory Number and this chip intelligent card is linked, and set up the step of consumer's archives; Make this transaction system when reading the unique identifier of this chip intelligent card again, send the step of the Mobile Directory Number that a password note that contains one group of password to the unique identifier pairing with this chip intelligent card links via a Communications service merchant; Make this transaction system require the step of the password of this password note of input; And this transaction system is matched when correct in the password of input and the password of its transmission, start the step of its trading function.
2. the identity identifying method of transaction system as claimed in claim 1, it is characterized in that: this identity identifying method also comprises: make this transaction system in the disconnected news of chip intelligent card the time, close the step of its authentication and trading function.
3. the identity identifying method of transaction system as claimed in claim 1 is characterized in that: the set of number that described password produces for the random number of this transaction system.
4. the identity identifying method of transaction system as claimed in claim 1 is characterized in that: the set of number that described password produces for the random number of this transaction system and the combination of letter character.
5. the identity identifying method of transaction system as claimed in claim 1 is characterized in that: one group of picture image that contains numeral, letter character or its combination that described password produces for this transaction system.
6. the identity identifying method of a transaction system, any chip intelligent card and one group of Mobile Directory Number with chip of unique identifier of can arranging in pairs or groups uses, and it is characterized in that: this identity identifying method comprises following steps: make described transaction system read the step of the unique identifier that stores a chip intelligent card for the first time; Make this transaction system after reading the unique identifier that stores a chip intelligent card for the first time, require to continue to read the unique identifier that stores another chip intelligent card, and make the unique identifier of two chip intelligent cards match the step that links mutually; Make this transaction system when reading the unique identifier of two chip intelligent cards of pairing for the first time, require the owner's of the described chip intelligent card of input Mobile Directory Number, and the unique identifier pairing of this Mobile Directory Number and described chip intelligent card is linked, and set up the step of consumer's archives; When making this transaction system read one of them unique identifier of described chip intelligent card again, require to read again the step of another unique identifier in the described chip intelligent khaki; And this transaction system is matched when correct in the unique identifier of two chip intelligent cards that read, start the step of its trading function.
7. the identity identifying method of transaction system as claimed in claim 6, it is characterized in that: this identity identifying method also comprises: make this transaction system in the disconnected news of chip intelligent card the time, close the step of its authentication and trading function.
8. the identity identifying method of a transaction system, any chip intelligent card and one group of Mobile Directory Number with chip of unique identifier of can arranging in pairs or groups uses, and it is characterized in that: this identity identifying method comprises following steps: make described transaction system read the step of the unique identifier that stores a chip intelligent card for the first time; Make this transaction system when reading the unique identifier of chip intelligent card for the first time, require one group of authentication numeral that represents this chip intelligent card owner identity of input, and will authenticate the step that unique identifier pairing digital and this chip intelligent card links; Make this transaction system when reading the unique identifier of chip intelligent card for the first time, require the owner's of this chip intelligent card of input Mobile Directory Number, and the unique identifier of this Mobile Directory Number and this chip intelligent card and authentication digital pairing are linked, and set up the step of consumer's archives; Make this transaction system when reading the unique identifier of this chip intelligent card again, require the step of input authentication numeral; And this transaction system is matched when correct in the unique identifier of the authentication numeral of input and this chip intelligent card, start the step of its trading function.
9. the identity identifying method of a transaction system, any chip intelligent card and one group of Mobile Directory Number with chip of unique identifier of can arranging in pairs or groups uses, and it is characterized in that: this identity identifying method comprises following steps: make described transaction system read the step of the unique identifier that stores a chip intelligent card for the first time; Make this transaction system when reading the unique identifier of storage chip smart card for the first time, require the owner's of this chip intelligent card of input Mobile Directory Number, and the unique identifier pairing of this Mobile Directory Number and this chip intelligent card is linked, and set up the step of consumer's archives; And when making this transaction system read the unique identifier of chip intelligent card again, start the step of its trading function.
10. the identity identifying method of transaction system as claimed in claim 9, it is characterized in that: this identity identifying method also comprises: make this transaction system in the disconnected news of chip intelligent card the time, close the step of its authentication and trading function.
CN 201310049682 2012-02-17 2013-02-07 Identity authentication method of transaction system Pending CN103258268A (en)

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Application publication date: 20130821