CN103686729B - A kind of identity card carries out Mobile banking's authentication method and the system of self-help registration - Google Patents
A kind of identity card carries out Mobile banking's authentication method and the system of self-help registration Download PDFInfo
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- CN103686729B CN103686729B CN201310657100.7A CN201310657100A CN103686729B CN 103686729 B CN103686729 B CN 103686729B CN 201310657100 A CN201310657100 A CN 201310657100A CN 103686729 B CN103686729 B CN 103686729B
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Abstract
Embodiments providing a kind of Mobile banking's authentication method carrying out self-help registration easily with identity card, the method includes: registration Mobile banking's step and login Mobile banking step；Wherein, registration Mobile banking step includes: user inputs initial password, goes out wherein word and portrait with Mobile banking's client shooting identity card positive and negative OCR；Shooting 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 Mobile banking's registered client's information；Log in Mobile banking's step to include: user shoots this human face video by Mobile banking's client, read SIM cards of mobile phones information and hardware information；Read mobile phone position information；Judge information that described Mobile banking obtains whether with corresponding Mobile banking's registered client's information match, if: then log-on message is verified, if not: then demonstrate,prove failure.The present invention can realize registration in 20 seconds.
Description
Technical field
The present invention, about the information security technology easily during self-help registration Mobile banking, has only to especially with regard to one
User inputs password, it is not necessary to input Mobile banking's secure registration technique easily of other information, specifically a kind of hands
The remote self-service authentication method of machine bank client client information, system and mobile terminal.
The present invention can also take precautions against current pandemic financial swindling, is carried out by the distance reasonability logging in secondary
Judge, for remote financial swindling, a buffer time can be set up, to user with the time reported to the police, report the loss.
Background technology
Cell phone bank system experienced by several development rank such as short message mobile phone bank, WAP Mobile banking, client mobile phone bank
Section.Owing to client mobile phone bank can provide best customer experience, therefore client mobile phone bank will become technology master
Stream.
In prior art, the client enrollment of Mobile banking needs sales counter open-minded, the peace of online self-help registration Mobile banking
The full intensity that controls fails to comply with the requirement of bank, it is impossible to open all functions, particularly normal payment function.Registration process is numerous
Multiple, fail to comply with the convenient requirement of client.The function that mobile phone client software development platform provides at present is the abundantest, the
The API operating handset hardware capability that tripartite's application developer can be provided by platform, or obtain mobile phone hardware information, fill
Divide and utilize the peculiar technology of these mobile phones, be applied to Mobile banking security fields, Mobile banking's security control intensity can be improved, subtract
Few user registers the trouble of Mobile banking, reaches carry out the safety requirements of banking and facilitate client.
Summary of the invention
Embodiments provide a kind of identity card and carry out Mobile banking's authentication method and the system of self-help registration, with
Solve the problem of mobile banking client information safety and the problem that guest operation is excessively complicated.
It is an object of the invention to provide a kind of identity card carry out Mobile banking's authentication method of self-help registration and be
System, the method includes: registration Mobile banking's step and login Mobile banking step；Wherein, registration Mobile banking step includes: use
Family Mobile banking's client shooting identity card positive and negative OCR go out wherein word and portrait；Shooting registrant's face video；Read
Take SIM cards of mobile phones information and hardware information；Read mobile phone position information；Set up above-mentioned information and Mobile banking's registered client's information
Binding relationship；Log in Mobile banking's step to include: user shoots this human face video by Mobile banking's client, read mobile phone
SIM card information and hardware information；Read mobile phone position information；Judge information that described Mobile banking obtains whether with corresponding hands
Machine bank registered client's information match, if: then log-on message is verified, if not: then log-on message authentication failed.
Problem that is dangerous to solve Mobile banking's client self-help registration, that fail comprehensively to use Mobile banking's function.
An object of the present invention is, a kind of method providing the user with Mobile banking of self-help registration easily, the method
Including: user inputs initial password, user uses Mobile banking client with Mobile banking's client shooting identity card positive and negative, user
Oneself face video three part of end shooting shooting, can complete registration for the fastest 20 seconds.
It is an object of the invention to provide a kind of safety measure using Mobile banking, the method includes: client this
Position, time and the position of last login, the time contrast logged in, calculates translational speed, if translational speed is unreasonable, then
Artificial treatment, if lawless person logs in, also has an opportunity to grasp lawless person.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
In having technology to describe, the required accompanying drawing used is briefly described, it should be apparent that, the accompanying drawing in describing below is only this
Some embodiments of invention, for those skilled in the art, on the premise of not paying creative work, it is also possible to root
Other accompanying drawing is obtained according to these accompanying drawings.
Fig. 1 is Mobile banking's authentication method and the system flow that a kind of identity card of the embodiment of the present invention carries out self-help registration
Figure；
Fig. 2 is a kind of method flow diagram logging in self-help registration Mobile banking easily of the embodiment of the present invention；
Fig. 3 is a kind of safety measure flow chart using Mobile banking of the embodiment of the present invention；
Fig. 4 is that the present invention makes a summary flow chart；
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 carried out clear, complete
Describe, it is clear that described embodiment is only a part of embodiment of the present invention rather than whole embodiments wholely.Based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under not making creative work premise
Embodiment, broadly falls into the scope of protection of the invention.
Embodiment 1 one kinds identity card carries out Mobile banking's authentication method and the system of self-help registration
As Fig. 1 shows, a kind of identity card of the embodiment of the present invention carries out Mobile banking's authentication method of self-help registration and is
System flow chart includes:
Registration step 1(S101): user starts Mobile banking's client (100), and input initial password is registered；
Registration step 2(S102): user goes out wherein with Mobile banking's client (100) shooting identity card positive and negative OCR
Word and portrait；
Registration step 3(S103): user shoots 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 warp that registration step 1 to registration step 5 is obtained by Mobile banking's client (100)
Cross digital signature, data encryption, be sent 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, enters
Row checking and deciphering；
Registration step 8(S108): Mobile banking's server (200) wherein will upload to online checking public affairs by ID card information
People's identity information system (400) verify；
Registration step 9(S109): Mobile banking's server (200) is by ID card information portrait and this described human face
Video uploads to the face recognition software in customer information of bank system (300) and verifies；
Registration step 10(S110): Mobile banking's server (200) receives the verification of registration step 7 to registration step 8 and returns
Multiple, after being verified, log-on message, system time are uploaded to customer information of bank system by Mobile banking's server (200)
(300), the information that will be verified is dealt into Mobile banking's client (100), and checking is not passed through, and by information, checking is not dealt into hands
Machine bank client (100), it is desirable to user re-enters, exceedes regulation number of retries registration failure；
As in figure 2 it is shown, a kind of method flow diagram logging in self-help registration Mobile banking easily of the embodiment of the present invention includes:
Login step 1(S201): user starts Mobile banking's client (100), and input password logs in；
Login step 2(S202): user shoots 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 warp that login step 1 to login step 4 is obtained by Mobile banking's client (100)
Cross digital signature, data encryption, be sent 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, enters
Row is verified and deciphers and upload to verify in customer information of bank system (300)；
Login step 7(S207): the face recognition software of customer information of bank system (300) is by this described human face
ID card information portrait when video and registration, the contrast of this human face video, customer information of bank system (300) is by password and note
Initial password contrast during volume；
Login step 8(S208): customer information of bank system (300) is by the position of described position, time and last login
Put, the time contrasts, and calculates translational speed, if translational speed is more than 80 kilometers/hour, then turns artificial judgement；
Login step 9(S209): Mobile banking's server (200) receives the contrast of login step 8 to login step 9 and returns
Multiple, if contrast is passed through, then allow to log in, if contrast is not passed through, then require that user re-enters, exceed regulation number of retries
Login failure；
As it is shown on figure 3, a kind of safety measure flow chart using Mobile banking of the embodiment of the present invention includes:
(S301) this position logged in, time of client
(S302) data delivers to customer information of bank system (300),
(S303) position of last login, time are recalled.Calculate translational speed,
(S304) translational speed is reasonable, and contrast is passed through.
(S305) if translational speed is unreasonable, then artificial treatment, also have an opportunity to grasp lawless person.
The present invention applies specific embodiment principle and the embodiment of the present invention are set forth, above example
Explanation be only intended to help to understand method and the core concept thereof of the present invention；Simultaneously for one of ordinary skill in the art,
According to the thought of the present invention, the most all will change, in sum, in this specification
Hold and should not be construed as limitation of the present invention.
Claims (5)
1. the Mobile banking's authentication method carrying out self-help registration with identity card, it is characterised in that described method includes:
Public by Mobile banking's client (100), Mobile banking's server (200), customer information of bank system (300) and online checking
The system that people's identity information system (400) are formed carries out following steps registration；
Registration step 1: user starts Mobile banking's client (100), input initial password is registered；
Registration step 2: user goes out wherein word and portrait with Mobile banking's client (100) shooting identity card positive and negative OCR；
Registration step 3: user shoots 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 registration step 1 to registration step 5 is obtained by Mobile banking's client (100) is signed through numeral
Name, data encryption, be sent to Mobile banking's server (200)；
Registration step 7: Mobile banking's server (200) receives the log-on message of digital signature and encryption, carries out checking and conciliates
Close；
Registration step 8: Mobile banking's server (200) wherein will upload to online checking citizenship information by ID card information
System (400) is verified；
Registration step 9: ID card information portrait is uploaded to by Mobile banking's server (200) with this described human face video
Face recognition software in customer information of bank system (300) is verified；
Registration step 10: Mobile banking's server (200) receives the verification of registration step 7 to registration step 8 and replys, and is verified
After, log-on message, system time are uploaded to customer information of bank system (300) by Mobile banking's server (200), checking are led to
The information of mistake is dealt into Mobile banking's client (100), and checking is not passed through, and by information, checking is not dealt into Mobile banking's client
(100) regulation number of retries registration failure, it is desirable to user re-enters, is exceeded；
It is characterized in that, described method includes: by Mobile banking's client (100), Mobile banking's server (200), silver
The system that row customer information system (300) and online checking citizenship information system (400) are formed carries out following steps
Log in；
Login step 1: user starts Mobile banking's client (100), input password logs in；
Login step 2: user shoots 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 login step 1 to login step 4 is obtained by Mobile banking's client (100) is signed through numeral
Name, data encryption, be sent to Mobile banking's server (200)；
Login step 6: Mobile banking's server (200) receives the log-on message of digital signature and encryption, carries out checking and conciliates
Close and upload to customer information of bank system (300) is verified；
Login step 7: the face recognition software of customer information of bank system (300) is by described this human face video and registration
Time ID card information portrait, this human face video contrast, customer information of bank system (300) by password with register time initial
Password contrasts；
Login step 8: customer information of bank system (300) is by described position, time and the position of last login, time pair
Ratio, calculates translational speed, if translational speed is more than 80 kilometers/hour, then turns artificial judgement；
Login step 9: Mobile banking's server (200) receives the contrast of login step 8 to login step 9 and replys, if contrast
Pass through, then allow to log in, if contrast is not passed through, then require that user re-enters, exceed regulation number of retries login failure.
A kind of identity card the most according to claim 1 carries out Mobile banking's authentication method of self-help registration, and its feature exists
In: described Mobile banking client (100) be arranged on include GPS function, include on the touch screen smart mobile phone of camera function part,
Itself is containing mobile phone OCR software.
A kind of identity card the most according to claim 1 carries out Mobile banking's authentication method of self-help registration, and its feature exists
In: described Mobile banking server (200) includes face recognition software.
A kind of identity card the most according to claim 1 carries out Mobile banking's authentication method of self-help registration, and its feature exists
In: described login step, if user verifies to sales counter, then omit the step of login step 2 to login step 3, mobile phone
Bank server (200) can allow to log in password.
A kind of identity card the most according to claim 2 carries out Mobile banking's authentication method of self-help registration, and its feature exists
In: described Mobile banking client (100) sets up escape way and goes out wherein word and people to shoot identity card positive and negative OCR
Picture, sets up escape way to shoot registrant's face video.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| 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 |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| 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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| Publication Number | Publication Date |
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| CN103686729A CN103686729A (en) | 2014-03-26 |
| CN103686729B true CN103686729B (en) | 2016-12-07 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201310657100.7A Expired - Fee Related 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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Families Citing this family (13)
| 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 |
| CN105245340B (en) * | 2015-09-07 | 2019-03-29 | 天地融科技股份有限公司 | It is a kind of based on the identity identifying method remotely opened an account 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 |
| CN105407042B (en) * | 2015-11-26 | 2019-01-04 | 北京拓明科技有限公司 | A kind of wechat public platform based remote sim card activating method and system |
| CN106899573B (en) * | 2016-06-29 | 2021-11-05 | 钟海英 | Goods inspection device and goods inspection method thereof |
| CN108023912A (en) * | 2016-11-02 | 2018-05-11 | 中兴通讯股份有限公司 | A kind of recognition methods of signature, device, mobile terminal and cloud server |
| 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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| Publication number | Priority date | Publication date | Assignee | Title |
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| US7113925B2 (en) * | 2005-01-19 | 2006-09-26 | Echeck21, L.L.C. | Electronic check |
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| CN101594611A (en) * | 2009-06-29 | 2009-12-02 | 钱袋网（北京）信息技术有限公司 | The method of authentication and portable terminal, server and identity authorization system |
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| CN103686729A (en) | 2014-03-26 |
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Inventor after: He Wenxiu Inventor before: Wang Meijin |
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Effective date of registration: 20161027 Address after: Panyu District Luopu street Guangzhou city Guangdong province 511400 Guangzhou garden Nga Court six room 103 Applicant after: He Wenxiu Address before: No. 15 half River Garden 528100 Guangdong province Foshan City Sanshui District southwest Street Sha Tau Road 7 804 Applicant before: Wang Meijin |
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