CN103503038A - 一种对atm机上交易者身份进行验证的方法和系统 - Google Patents

一种对atm机上交易者身份进行验证的方法和系统 Download PDF

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Publication number
CN103503038A
CN103503038A CN201180069964.6A CN201180069964A CN103503038A CN 103503038 A CN103503038 A CN 103503038A CN 201180069964 A CN201180069964 A CN 201180069964A CN 103503038 A CN103503038 A CN 103503038A
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server
authentication code
bank card
user
identity
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CN201180069964.6A
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冯林
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New Precious Electronics Technology Co Ltd
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New Precious Electronics Technology Co Ltd
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Priority to CN201180069964.6A priority Critical patent/CN103503038A/zh
Publication of CN103503038A publication Critical patent/CN103503038A/zh
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3234—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/56—Financial cryptography, e.g. electronic payment or e-cash
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2209/00—Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
    • H04L2209/80—Wireless

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Signal Processing (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本发明属于金融交易安全技术领域，涉及一种对ATM机上交易者身份进行验证的方法和系统。本发明采用移动终端获取银行卡的取款密码，并通过短信息将该取款密码发送给服务器，服务器在验证通过后发送认证码，ATM将用户输入的认证码发送给服务器进行验证，看用户输入的认证码是否与服务器发送给移动终端的认证码相同，如相同则认为认证码正确，同时对用户插入的银行卡的信息进行验证，验证该银行卡信息是否与所述移动终端的SIM卡绑定的银行卡信息相同，如相同则认为取款者身份合法，允许其进入下一步的交易操作。本发明具有安全性高，而且方法简单，用户操作简单，适用范围广。

Description

PCT国内申请，说明书已公开。

Claims (1)

  1. PCT国内申请，权利要求书已公开。
CN201180069964.6A 2011-04-09 2011-08-15 一种对atm机上交易者身份进行验证的方法和系统 Pending CN103503038A (zh)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201180069964.6A CN103503038A (zh) 2011-04-09 2011-08-15 一种对atm机上交易者身份进行验证的方法和系统

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
CN201110088168.9 2011-04-09
CN2011100881689A CN102368338A (zh) 2011-04-09 2011-04-09 一种对atm机上交易者身份进行验证的方法和系统
PCT/CN2011/078433 WO2012139350A1 (zh) 2011-04-09 2011-08-15 一种对atm机上交易者身份进行验证的方法和系统
CN201180069964.6A CN103503038A (zh) 2011-04-09 2011-08-15 一种对atm机上交易者身份进行验证的方法和系统

Publications (1)

Publication Number Publication Date
CN103503038A true CN103503038A (zh) 2014-01-08

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CN201180069964.6A Pending CN103503038A (zh) 2011-04-09 2011-08-15 一种对atm机上交易者身份进行验证的方法和系统

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CN (2) CN102368338A (zh)
WO (1) WO2012139350A1 (zh)

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WO2014043905A1 (zh) * 2012-09-22 2014-03-27 Feng Lin 结合智能手机对atm机上交易者身份信息进行验证的方法和系统
TW201419185A (zh) 2012-11-08 2014-05-16 Chien-Kang Yang 行動裝置、付款交易系統及付款交易方法
CN104113514B (zh) * 2013-04-19 2019-01-22 腾讯科技（深圳）有限公司 信息安全的处理方法和装置
CN103996252B (zh) * 2014-05-27 2016-04-20 网银在线（北京）科技有限公司 处理鉴权信息的方法和装置
CN104077856B (zh) * 2014-07-07 2017-09-22 浙江维融电子科技股份有限公司 一种现金交易方法、装置及系统
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CN105741102A (zh) * 2014-12-07 2016-07-06 联芯科技有限公司 取现系统及取现方法
CN105989484A (zh) * 2015-02-13 2016-10-05 阿里巴巴集团控股有限公司 一种密码重置方法和装置
CN104657850A (zh) * 2015-03-12 2015-05-27 张运泉 一种移动支付方法及移动支付系统
CN104702417A (zh) * 2015-04-03 2015-06-10 成都爱维科创科技有限公司 一种安全认证的系统和方法
CN104809810B (zh) * 2015-04-24 2017-08-29 深圳市怡化时代科技有限公司 一种用于检测银行磁条卡复制卡的方法及装置
CN107547206B (zh) * 2017-09-06 2020-08-28 广东小天才科技有限公司 一种用户身份的判断方法、系统及终端设备
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CN107454111A (zh) * 2017-09-29 2017-12-08 南京中高知识产权股份有限公司 安全认证设备及其工作方法
CN109637053B (zh) * 2018-11-08 2021-03-23 中电金融设备系统（深圳）有限公司 服务器、自助业务系统、业务处理方法和可读存储介质
CN110704823A (zh) * 2019-09-10 2020-01-17 平安科技（深圳）有限公司 数据请求方法、装置、存储介质及电子设备
CN111754232B (zh) * 2020-06-29 2023-11-28 上海通联金融服务有限公司 一种在非金融交易前对关键字段进行校验的控制方法
CN114023015A (zh) * 2021-11-04 2022-02-08 中国银行股份有限公司 一种业务处理方法、系统及装置

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