CN103686729A - Mobile banking authentication method and system for performing self-help registration through identity card - Google Patents
Mobile banking authentication method and system for performing self-help registration through identity card Download PDFInfo
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- CN103686729A CN103686729A CN201310657100.7A CN201310657100A CN103686729A CN 103686729 A CN103686729 A CN 103686729A CN 201310657100 A CN201310657100 A CN 201310657100A CN 103686729 A CN103686729 A CN 103686729A
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Abstract
The embodiment of the invention provides a mobile banking authentication method and system for conveniently and fast performing self-help registration through an identity card. The method includes the mobile banking registration step and the mobile banking log-in step. The mobile banking registration step includes the steps that a user inputs an initial password, the front side and the back side of the identity card are photographed with a mobile banking client, and characters and person images on the front side and the back side are recognized through optical character recognition; video of the face of a registrant is photographed; SIM information and hardware information of a mobile phone are read; position information of the mobile phone is read; binding relations between the information and information of a mobile banking registration client are established. The mobile banking log-in step includes the steps that the video of the face of the client is photographed through the mobile banking client, and the SIM information and the hardware information of the mobile phone are read; the position information of the mobile phone is read; whether information acquired by the mobile banking is matched with the information of the mobile banking registration client or not is judged, if yes, log-in information passes verification, and if not, the verification fails. With the method and system, registration can be performed within 20 seconds.
Description
Technical field
The easily information security technology of the present invention during about self-service registration Mobile banking, particularly about a kind of needs user, input password, not needing to input the secure registration technology of Mobile banking easily of other information, is the remote self-service authentication method of a kind of mobile banking client information, system and mobile terminal specifically.
The present invention can also take precautions against current pandemic financial swindling, by the distance reasonability of secondary login is judged, for remote financial swindling, can set up a buffer time, gives user the time to report to the police, to report the loss.
Background technology
Cell phone bank system has experienced several developing stage such as short message mobile phone bank, WAP Mobile banking, client mobile phone bank.Due to the client mobile phone bank customer experience that can offer the best, so client mobile phone bank will become technology main flow.
In prior art, it is open-minded that the client enrollment of Mobile banking need to arrive sales counter, and the online self-service security control intensity of registering Mobile banking fails to meet the requirement of bank, can not open all functions, particularly normal payment function.Registration process is complicated, fails to meet client's convenient requirement.The function that mobile phone client software development platform provides is at present very abundant, the API operating handset hardware capability that third party application developer can provide by platform, or obtain mobile phone hardware information, make full use of the peculiar technology of these mobile phones, be applied to Mobile banking security fields, can improve Mobile banking's security control intensity, reduce the trouble that user registers Mobile banking, reach and carry out the safety requirements of banking and facilitate client.
Summary of the invention
The embodiment of the present invention provides a kind of Mobile banking's authentication method and system of carrying out self-service registration with identity card, to solve problem and the too complicated problem of client's operation of mobile banking client information fail safe.
One of object of the present invention is, a kind of Mobile banking's authentication method and system of carrying out self-service registration with identity card is provided, and the method comprises: registration Mobile banking's step and login Mobile banking step; Wherein, registration Mobile banking step comprises: user takes identity card positive and negative by Mobile banking's client and OCR goes out its Chinese word and portrait; Take registrant's face video; Read SIM cards of mobile phones information and hardware information; Read mobile phone position information; Set up the binding relationship of above-mentioned information and the registered client of Mobile banking information; Login Mobile banking step comprises: user takes this human face video by Mobile banking's client, reads SIM cards of mobile phones information and hardware information; Read mobile phone position information; Judge whether the information that described Mobile banking obtains matches with corresponding Mobile banking's registered client's information, if: log-on message is verified, if not: log-on message authentication failed.Dangerous to solve the self-service registration of Mobile banking's client, fail to use the problem of Mobile banking's function comprehensively.
One of object of the present invention is, to user, provide a kind of self-service method of registering Mobile banking easily, the method comprises: user inputs initial password, user takes identity card positive and negative, user by own facial video three parts of Mobile banking's client shooting by Mobile banking's client, within the fastest 20 seconds, can complete registration.
One of object of the present invention is, a kind of safety measure of using Mobile banking is provided, the method comprises: the position of the position of this login of client, time and last login, time contrast, calculate translational speed, if translational speed is unreasonable, artificial treatment, if lawless person's login, lawless person also has an opportunity to grasp.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, to the accompanying drawing of required use in embodiment or description of the Prior Art be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those skilled in the art, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Figure l is a kind of Mobile banking's authentication method and system flow chart that carries out self-service registration with identity card of the embodiment of the present invention;
Fig. 2 is a kind of method flow diagram of logining easily self-service registration Mobile banking of the embodiment of the present invention;
Fig. 3 is a kind of safety measure flow chart that uses Mobile banking of the embodiment of the present invention;
Fig. 4 is the present invention's flow chart of making a summary;
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, rather than whole embodiment.Embodiment based in the present invention, those of ordinary skills, not making the every other embodiment obtaining under creative work prerequisite, belong to the scope of protection of the invention.
A kind of Mobile banking's authentication method and system of carrying out self-service registration with identity card of EXAMPLE l
As shown in Figure l, a kind of of the embodiment of the present invention comprises with Mobile banking's authentication method and system flow chart that identity card carries out self-service registration:
Registration step 1(S101): user starts Mobile banking's client (100), input initial password is registered;
Registration step 2(S102): user takes identity card positive and negative by Mobile banking's client (100) and OCR goes out its Chinese word and portrait;
Registration step 3(S103): user takes this human face video by Mobile banking's client (100);
Registration step 4(S104): Mobile banking's client (100) reads SIM cards of mobile phones information and hardware information;
Registration step 5(S105): Mobile banking's client (100) reads mobile phone position information;
Registration step 6(S106): the information that Mobile banking's client (100) obtains registration step 1 to registration step 5, through digital signature, data encryption, sends to Mobile banking's server (200);
Registration step 7(S107): Mobile banking's server (200) receives the log-on message of digital signature and encryption, verifies and deciphers;
Registration step 8(S108): Mobile banking's server (200) wherein ID card information uploads to online checking citizenship information system (400) verification;
Registration step 9(S109): the recognition of face software that Mobile banking's server (200) uploads to ID card information portrait and described this human face video in customer information of bank system (300) is verified;
Registration step 10(S110): Mobile banking's server (200) receives that registration step 7 is to the verification reply of registration step 8, after being verified, Mobile banking's server (200) uploads to customer information of bank system (300) by log-on message, system time, the information that will be verified is dealt into Mobile banking's client (100), checking is not passed through, checking is not dealt into Mobile banking's client (100) by information, require user to re-enter, surpass regulation number of retries registration failure;
As shown in Figure 2, a kind of method flow diagram of logining easily self-service registration Mobile banking of the embodiment of the present invention comprises:
Login step 1(S201): user starts Mobile banking's client (100), input password is logined;
Login step 2(S202): user takes this human face video by Mobile banking's client (100);
Login step 3(S203): Mobile banking's client (100) reads SIM cards of mobile phones information and hardware information;
Login step 4(S204): Mobile banking's client (100) reads mobile phone position information;
Login step 5(S205): the information that Mobile banking's client (100) obtains login step 1 to login step 4, through digital signature, data encryption, sends to Mobile banking's server (200);
Login step 6(S206): Mobile banking's server (200) receives the log-on message of digital signature and encryption, verify and decipher and upload to verification in customer information of bank system (300);
Login step 7(S207): the recognition of face software of customer information of bank system (300) is ID card information portrait, the contrast of this human face video with when registration by described this human face video, customer information of bank system (300) initial password contrast during with registration by password;
Login step 8(S208): customer information of bank system (300), by the position of described position, time and last login, time contrast, calculates translational speed, if translational speed is greater than 80 kilometers/hour, turns artificial judgement;
Login step 9(S209): Mobile banking's server (200) receives that login step 8 is to the contrast reply of login step 9, if contrast is passed through, allow login, if contrast is not passed through, require user to re-enter, surpass regulation number of retries login failure;
As shown in Figure 3, a kind of safety measure flow chart of Mobile banking that uses of the embodiment of the present invention comprises:
(S301) position of this login of client, time
(S302) data is delivered to customer information of bank system (300),
(S303) recall position, the time of last login.Calculate translational speed,
(S304) translational speed is reasonable, and contrast is passed through.
(S305) if translational speed is unreasonable, artificial treatment, lawless person also has an opportunity to grasp.
In the present invention, applied specific embodiment principle of the present invention and execution mode are set forth, the explanation of above embodiment is just for helping to understand method of the present invention and core concept thereof; , for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention meanwhile.
Claims (5)
1. Mobile banking's authentication method and a system of carrying out self-service registration with identity card, it is characterized in that, described method comprises: in the system that You Mobile banking client (100), Mobile banking's server (200), customer information of bank system (300) and online checking citizenship information system (400) form, carry out following steps registration;
Registration step 1: user starts Mobile banking's client (100), input initial password is registered;
Registration step 2: user takes identity card positive and negative by Mobile banking's client (100) and OCR goes out its Chinese word and portrait;
Registration step 3: user takes this human face video by Mobile banking's client (100);
Registration step 4: Mobile banking's client (100) reads SIM cards of mobile phones information and hardware information;
Registration step 5: Mobile banking's client (100) reads mobile phone position information;
Registration step 6: the information that Mobile banking's client (100) obtains registration step 1 to registration step 5, through digital signature, data encryption, sends to Mobile banking's server (200);
Registration step 7: Mobile banking's server (200) receives the log-on message of digital signature and encryption, verifies and deciphers;
Registration step 8: Mobile banking's server (200) wherein ID card information uploads to online checking citizenship information system (400) verification;
Registration step 9: the recognition of face software that Mobile banking's server (200) uploads to ID card information portrait and described this human face video in customer information of bank system (300) is verified;
Registration step 10: Mobile banking's server (200) receives that registration step 7 is to the verification reply of registration step 8, after being verified, Mobile banking's server (200) uploads to customer information of bank system (300) by log-on message, system time, the information that will be verified is dealt into Mobile banking's client (100), checking is not passed through, checking is not dealt into Mobile banking's client (100) by information, require user to re-enter, surpass regulation number of retries registration failure;
It is characterized in that, described method comprises: in the system that You Mobile banking client (100), Mobile banking's server (200), customer information of bank system (300) and online checking citizenship information system (400) form, carry out following steps login;
Login step 1: user starts Mobile banking's client (100), input password is logined;
Login step 2: user takes this human face video by Mobile banking's client (100);
Login step 3: Mobile banking's client (100) reads SIM cards of mobile phones information and hardware information;
Login step 4: Mobile banking's client (100) reads mobile phone position information;
Login step 5: the information that Mobile banking's client (100) obtains login step 1 to login step 4, through digital signature, data encryption, sends to Mobile banking's server (200);
Login step 6: Mobile banking's server (200) receives the log-on message of digital signature and encryption, verifies and deciphers and upload in customer information of bank system (300) and verify;
Login step 7: the recognition of face software of customer information of bank system (300) is ID card information portrait, the contrast of this human face video with when registration by described this human face video, customer information of bank system (300) is the initial password contrast during with registration by password;
Login step 8: customer information of bank system (300), by the position of described position, time and last login, time contrast, calculates translational speed, if translational speed is greater than 80 kilometers/hour, turns artificial judgement;
Login step 9: Mobile banking's server (200) receives that login step 8, to the contrast reply of login step 9, if contrast is passed through, allows login, if contrast is not passed through, requires user to re-enter, over regulation number of retries login failure.
2. Mobile banking according to claim 1 client (100), is characterized in that: be arranged on and comprise GPS function, comprise on the touch-screen smart mobile phone of camera function part, itself contain mobile phone OCR software.
3. Mobile banking according to claim 1 server (200), is characterized in that: comprise recognition of face software.
4. login step according to claim 1, if user to sales counter, verify, omit login step 2 to the step of login step 3, Mobile banking's server (200) can allow login with password.
5. Mobile banking according to claim 2 client (100), is characterized in that: set up that escape way is taken identity card positive and negative and OCR goes out its Chinese word and portrait, set up escape way and take registrant's face video.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201310657100.7A CN103686729B (en) | 2013-12-05 | 2013-12-05 | A kind of identity card carries out Mobile banking's authentication method and the system of self-help registration |
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| CN201310657100.7A CN103686729B (en) | 2013-12-05 | 2013-12-05 | A kind of identity card carries out Mobile banking's authentication method and the system of self-help registration |
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| CN103686729A true CN103686729A (en) | 2014-03-26 |
| CN103686729B CN103686729B (en) | 2016-12-07 |
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| CN104780538A (en) * | 2015-04-13 | 2015-07-15 | 南京苏互智能科技有限公司 | Credit investigation method based on mobile video interconnection |
| CN105245340A (en) * | 2015-09-07 | 2016-01-13 | 天地融科技股份有限公司 | Identity authentication method based on remote account opening and system |
| CN105407042A (en) * | 2015-11-26 | 2016-03-16 | 北京拓明科技有限公司 | Remote SIM card accessing method and system based on wechat public platform |
| CN105577378A (en) * | 2014-10-14 | 2016-05-11 | 阿里巴巴集团控股有限公司 | Identity authentication method, apparatus, and system |
| CN106559394A (en) * | 2015-09-29 | 2017-04-05 | 腾讯科技（深圳）有限公司 | Network operation control method and device |
| CN106899573A (en) * | 2016-06-29 | 2017-06-27 | 钟海英 | Goods inspection device and goods inspection method thereof |
| CN107580001A (en) * | 2017-10-20 | 2018-01-12 | 珠海市魅族科技有限公司 | Using login and authentication information method to set up, device, computer installation and storage medium |
| WO2018082232A1 (en) * | 2016-11-02 | 2018-05-11 | 中兴通讯股份有限公司 | Method and device for identifying signature, mobile terminal and cloud server |
| CN109302417A (en) * | 2018-11-14 | 2019-02-01 | 深圳市云歌人工智能技术有限公司 | Login service device and method, system and the storage medium for receiving login |
| CN109816521A (en) * | 2019-01-31 | 2019-05-28 | 中国银行股份有限公司 | A kind of banking processing method, apparatus and system |
| CN110619281A (en) * | 2019-08-23 | 2019-12-27 | 中国建设银行股份有限公司 | Identity recognition method and device |
| CN110942556A (en) * | 2019-12-27 | 2020-03-31 | 合肥美的智能科技有限公司 | Authentication method of unmanned retail terminal, server and client |
| CN111669745A (en) * | 2020-06-04 | 2020-09-15 | 中国银行股份有限公司 | Security verification method and device based on 5G information, storage medium and equipment |
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Cited By (17)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105577378A (en) * | 2014-10-14 | 2016-05-11 | 阿里巴巴集团控股有限公司 | Identity authentication method, apparatus, and system |
| CN104780538A (en) * | 2015-04-13 | 2015-07-15 | 南京苏互智能科技有限公司 | Credit investigation method based on mobile video interconnection |
| CN105245340A (en) * | 2015-09-07 | 2016-01-13 | 天地融科技股份有限公司 | Identity authentication method based on remote account opening and system |
| CN106559394B (en) * | 2015-09-29 | 2020-08-11 | 腾讯科技（深圳）有限公司 | Network operation control method and device |
| CN106559394A (en) * | 2015-09-29 | 2017-04-05 | 腾讯科技（深圳）有限公司 | Network operation control method and device |
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| CN105407042A (en) * | 2015-11-26 | 2016-03-16 | 北京拓明科技有限公司 | Remote SIM card accessing method and system based on wechat public platform |
| CN106899573A (en) * | 2016-06-29 | 2017-06-27 | 钟海英 | Goods inspection device and goods inspection method thereof |
| CN106899573B (en) * | 2016-06-29 | 2021-11-05 | 钟海英 | Goods inspection device and goods inspection method thereof |
| WO2018082232A1 (en) * | 2016-11-02 | 2018-05-11 | 中兴通讯股份有限公司 | Method and device for identifying signature, mobile terminal and cloud server |
| CN107580001A (en) * | 2017-10-20 | 2018-01-12 | 珠海市魅族科技有限公司 | Using login and authentication information method to set up, device, computer installation and storage medium |
| CN107580001B (en) * | 2017-10-20 | 2021-04-13 | 珠海市魅族科技有限公司 | Application login and authentication information setting method and device, computer device and storage medium |
| CN109302417A (en) * | 2018-11-14 | 2019-02-01 | 深圳市云歌人工智能技术有限公司 | Login service device and method, system and the storage medium for receiving login |
| CN109816521A (en) * | 2019-01-31 | 2019-05-28 | 中国银行股份有限公司 | A kind of banking processing method, apparatus and system |
| CN110619281A (en) * | 2019-08-23 | 2019-12-27 | 中国建设银行股份有限公司 | Identity recognition method and device |
| CN110942556A (en) * | 2019-12-27 | 2020-03-31 | 合肥美的智能科技有限公司 | Authentication method of unmanned retail terminal, server and client |
| CN111669745A (en) * | 2020-06-04 | 2020-09-15 | 中国银行股份有限公司 | Security verification method and device based on 5G information, storage medium and equipment |
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