CN106411523B - Bank card password generation method, verification method, equipment and system - Google Patents
Bank card password generation method, verification method, equipment and system Download PDFInfo
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- CN106411523B CN106411523B CN201610717238.5A CN201610717238A CN106411523B CN 106411523 B CN106411523 B CN 106411523B CN 201610717238 A CN201610717238 A CN 201610717238A CN 106411523 B CN106411523 B CN 106411523B
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- 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
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- 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
- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/0861—Generation of secret information including derivation or calculation of cryptographic keys or passwords
- H04L9/0863—Generation of secret information including derivation or calculation of cryptographic keys or passwords involving passwords or one-time passwords
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- 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
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Abstract
The invention provides a bank card password generation method, a bank card password verification method, bank card password verification equipment and a bank card password verification system, and relates to the technical field of financial security. The generation method comprises the following steps: acquiring a certificate number and a password block of a client, wherein the certificate number is a certificate number, the certificate is a debit card or a credit card or a bankbook, the password block is obtained by encrypting a password of the certificate input by the client through a terminal by a first key, and the number of the passwords is more than 1; acquiring a preset second key; and outputting verification data corresponding to the plurality of passwords of the certificate according to the number of the passwords, the second secret key, the certificate number and the password block. The function of setting a plurality of correct passwords for one certificate is realized, and personalized passwords are provided for clients.
Description
Technical Field
The invention relates to the field of security of financial systems, in particular to a verification technology and application of a financial system, and specifically relates to a method and a system for generating and verifying bank card passwords.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, the verification process of the issued certificate (such as debit card, credit card, bankbook, etc.) by the bank is the same, and the following detailed description will be given by taking the debit card as an example:
1. debit card password generation process
As shown in fig. 1, the input elements include: debit card number PAN, password block PINBLOCK entered by the customer, key PVK used to generate and verify customer password, and output results including customer password offset PVV, customer password verification value PCV.
When the customer sets the password for the debit card, the bank system organizes the debit card number, the password input by the customer, the corresponding key and other elements according to the format required by the encryption machine instruction, and calls the appointed encryption machine instruction to set the password for the customer. After the transaction is successful, the encryption engine returns an offset and a check value for the customer password. In the whole process, the bank system does not store the plaintext or the ciphertext of the client password, so that the security of the client password is ensured.
2. Debit card password verification process
As shown in fig. 2, the input elements include:
Ezpk(pinblock) the customer password is encrypted using ZPK and entered by the customer at the time of the transaction.
ZPK encryption of the key used by PINBLOK.
PVK-key used to verify the client password.
PAN-the debit card number used for the transaction.
PVV/PCV is that the generation and verification data of the client password is generated by an encryption machine and stored by a bank system and comprises a client password offset PVV and a client password verification value PCV.
The output elements include: and RESULT, a client password verification RESULT. The result is directly returned to verify whether the pass or fail.
When the customer withdraws money at the ATM, the password is input. The bank system organizes input elements, calls an encryption machine instruction to verify a client password, and the encryption machine directly returns a password verification result: if the verification is passed, the transaction continues to be processed; if the verification fails, the transaction is denied.
As can be seen from the above description, the credential cryptogram of the current banking system mainly has the following disadvantages:
1. the client can only set a correct password for the certificate, and the diversity of client services is restricted.
2. The cooperation between the bank background systems is insufficient, and the customer experience is poor.
At present, more and more customers have an increasing demand for personalization of bank card password usage. But the instruction of the encryption machine of the existing bank card is lacked, and the processing logic of the bank card issuing system is imperfect, so that only a correct password is allowed to be set for the certificate. If the password is correct, the verification is passed and the transaction is continued; if the password is wrong, the verification is rejected and the transaction is failed. The current situation that the certificate can only set a correct password has become the biggest technical obstacle for providing diversified services for the bank behavior client.
Therefore, how to research and develop a new scheme to optimize the existing password generation and verification mechanism of the bank card issuing system and provide personalized bank card passwords for customers is a technical problem to be solved urgently in the field.
Disclosure of Invention
The invention provides a bank card password generation method, a verification method, equipment and a system, aiming at overcoming the technical problems of instruction loss of an encryption machine of a bank card and incomplete processing logic of a bank card issuing system in the prior art.
In order to achieve the above object, the present invention provides a method for generating a bank card password, including: acquiring a certificate number and a password block of a client, wherein the certificate number is a certificate number, the certificate is a debit card or a credit card or a bankbook, the password block is obtained by encrypting a password of the certificate input by the client through a terminal by a first key, and the number of the passwords is more than 1; acquiring a preset second key; and outputting verification data corresponding to the plurality of passwords of the certificate according to the number of the passwords, the second secret key, the certificate number and the password block.
In a preferred embodiment of the present invention, the method further comprises: and storing the verification data corresponding to the plurality of passwords, wherein the verification data comprises an offset and a verification value.
In a preferred embodiment of the present invention, the method further comprises: setting scene information of the password in sequence, wherein the scene information comprises a normal scene, an appointed scene and an emergency scene.
In a preferred embodiment of the present invention, when the context information of the password is an appointment context, the method further includes: and setting preset information corresponding to the password, wherein the preset information comprises an agreed amount, and the agreed amount is larger than or smaller than the actual amount of the voucher.
In a preferred embodiment of the present invention, when the context information of the password is an emergency context, the method further includes: and setting preset information corresponding to the password, wherein the preset information comprises an emergency mobile phone number and/or mobile banking subscription information.
In order to achieve the above object, the present invention further provides a method for verifying a bank card password, where the method includes: acquiring a certificate number and a password block of a client, wherein the certificate number is a certificate number, the certificate is a debit card or a credit card or a bankbook, the password block is obtained by encrypting a password of the certificate input by the client through a terminal by a first key, and the number of the passwords is more than 1;
acquiring the first secret key, a preset second secret key and verification data corresponding to the password;
and outputting the verification information of the password block according to the first key, the second key, the verification data, the certificate number and the password block.
In a preferred embodiment of the present invention, when the verification information indicates that the cryptographic block is successfully verified, the method further includes: and analyzing the verification information to obtain scene information of the password, wherein the scene information comprises a normal scene, an appointed scene and an emergency scene.
In a preferred embodiment of the present invention, when the context information of the password is an appointment context, the method further includes: and acquiring preset information corresponding to the password, wherein the preset information comprises an agreed amount, and the agreed amount is larger than or smaller than the actual amount of the voucher, and displaying the agreed amount.
In a preferred embodiment of the present invention, when the context information of the password is an emergency context, the method further includes: acquiring preset information corresponding to the password, wherein the preset information comprises an emergency mobile phone number and/or mobile banking subscription information; and sending a short message to the emergency mobile phone number, dialing a phone number and/or starting a bank terminal in the mobile phone of the customer according to the mobile phone subscription information to position the position of the customer.
In a preferred embodiment of the present invention, when the context information of the password is an emergency context, the method further includes: and outputting alarm information, wherein the alarm information comprises the card number, the name and the identification number of the customer.
In a preferred embodiment of the present invention, when the context information of the password is an emergency context, the method further includes: positioning the terminal according to the verification information; and starting a camera of the terminal to acquire image data.
In order to achieve the above object, the present invention further provides a device for generating a bank card password, where the device includes: the system comprises a first acquisition module, a second acquisition module and a password block, wherein the first acquisition module is used for acquiring a certificate number and a password block of a client, the certificate number is a certificate number, the certificate is a debit card or a credit card or a passbook, the password block is obtained by encrypting a password of the certificate input by the client through a terminal by a first secret key, and the number of the passwords is more than 1; the second key acquisition module is used for acquiring a preset second key; and the verification data output module is used for outputting verification data corresponding to the plurality of passwords of the certificate according to the number of the passwords, the second secret key, the certificate number and the password block.
In a preferred embodiment of the present invention, the generating device further includes a check data storage module, configured to store check data corresponding to the multiple passwords, where the check data includes an offset and a check value.
In a preferred embodiment of the present invention, the generating device further includes: and the scene information setting module is used for sequentially setting the scene information of the password, and the scene information comprises a normal scene, an appointed scene and an emergency scene.
In a preferred embodiment of the present invention, when the context information of the password is an appointment context, the generating device further includes: the first preset information setting module is used for setting preset information corresponding to the password, the preset information comprises an agreed amount, and the agreed amount is larger than or smaller than the actual amount of the voucher.
In a preferred embodiment of the present invention, when the scene information of the password is an emergency scene, the generating device further includes: and the second preset information setting module is used for setting preset information corresponding to the password, and the preset information comprises an emergency mobile phone number and/or mobile banking subscription information.
In order to achieve the above object, the present invention further provides a device for verifying a bank card password, wherein the device comprises: the second acquisition module is used for acquiring a certificate number and a password block of a client, wherein the certificate number is a certificate number, the certificate is a debit card or a credit card or a passbook, the password block is obtained by encrypting a password of the certificate input by the client through a terminal by a first secret key, and the number of the passwords is more than 1; the data acquisition module is used for acquiring the first secret key, a preset second secret key and verification data corresponding to the password from a database; and the verification information output module is used for outputting the verification information of the password block according to the first key, the second key, the verification data, the certificate number and the password block.
In a preferred embodiment of the present invention, when the verification information indicates that the verification of the cipher block is successful, the verification apparatus further includes: and the analysis module is used for analyzing the verification information to obtain scene information of the password, wherein the scene information comprises a normal scene, an appointed scene and an emergency scene.
In a preferred embodiment of the present invention, when the scene information of the password is an agreed scene, the verification device further includes a first preset information obtaining module, configured to obtain preset information corresponding to the password, where the preset information includes an agreed amount, and the agreed amount is greater than or less than an actual amount of the credential; and the display module is used for displaying the appointed amount.
In a preferred embodiment of the present invention, when the scene information of the password is an emergency scene, the verification apparatus further includes a second preset information obtaining module, configured to obtain preset information corresponding to the password, where the preset information includes an emergency mobile phone number and/or mobile banking subscription information; the communication module is used for sending a short message to the emergency mobile phone number and dialing a call; and/or the first positioning module is used for starting a bank terminal in the customer mobile phone according to the mobile phone subscription information so as to position the customer.
In a preferred embodiment of the present invention, when the scene information of the password is an emergency scene, the verification device further includes an alarm information output module, configured to output alarm information, where the alarm information includes the card number, the name, and the identification number of the customer.
In a preferred embodiment of the present invention, when the scene information of the password is an emergency scene, the verification device further includes a second positioning module, configured to position the terminal according to the verification information; and the image data acquisition module is used for starting the camera of the terminal to acquire image data.
In order to achieve the above object, the present invention further provides a banking system, which includes a device for generating a bank card password and a device for verifying the bank card password.
The invention has the advantages that the bank card password generating method, the bank card password verifying equipment and the bank card password generating system are provided, the function of setting a plurality of correct passwords for one certificate is realized by increasing the number of the passwords in the password generating process, meanwhile, the key elements of the verification data of the plurality of passwords are increased in the password verifying process, the purpose of verifying the plurality of passwords of one certificate is realized, the personalized passwords are provided for customers, the personalized service can be provided for the customers, and the security level of the customers is effectively improved.
In order to make the aforementioned and other objects, features and advantages of the invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a flow chart of a prior art generation of a bank card password;
FIG. 2 is a flow chart of the prior art for verifying bank card passwords;
fig. 3 is a flowchart of a first implementation manner of a method for generating a bank card password according to an embodiment of the present invention;
fig. 4 is a flowchart of a second implementation manner of a method for generating a bank card password according to an embodiment of the present invention;
fig. 5 is a flowchart of a third implementation manner of a method for generating a bank card password according to an embodiment of the present invention;
fig. 6 is a flowchart of a first implementation manner of a method for verifying a bank card password according to an embodiment of the present invention;
fig. 7 is a flowchart of a second implementation manner of a method for verifying a bank card password according to an embodiment of the present invention;
fig. 8 is a flowchart of a third implementation manner of a method for verifying a bank card password according to an embodiment of the present invention;
fig. 9 is a block diagram of a first implementation manner of a device for generating a bank card password according to an embodiment of the present invention;
fig. 10 is a block diagram of a second implementation manner of a device for generating a bank card password according to an embodiment of the present invention;
fig. 11 is a block diagram of a third implementation manner of a device for generating a bank card password according to an embodiment of the present invention;
fig. 12 is a block diagram of a first implementation manner of a device for verifying a bank card password according to an embodiment of the present invention;
fig. 13 is a block diagram of a second implementation manner of a device for verifying a bank card password according to an embodiment of the present invention;
fig. 14 is a block diagram of a third implementation manner of a device for verifying a bank card password according to an embodiment of the present invention;
fig. 15 is a block diagram of a banking system according to an embodiment of the present invention;
fig. 16 is a schematic diagram of an application scenario provided in the embodiment of the present invention;
FIG. 17 is a table of added credential key attributes for a banking system in an embodiment of the present invention;
fig. 18 is a schematic diagram of internal logic of a generating device in a banking system according to an embodiment of the present invention;
fig. 19 is a schematic diagram of internal logic of a verification device in a banking system according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
First, terms related to the present invention are described:
HSM: the Host Security Module encryption machine adopts the international standard ANSI 3.92 encryption/decryption algorithm and ANSI X9.9 message authentication technology, and realizes message authentication and identity verification by using a hardware means. This technology is currently in widespread use within the banking industry.
Plain text of PIN: the bank card password (currently, the password is usually 6 bits) set by the customer, and the bank card password is input by the customer when the password needs to be verified.
And (3) PIN ciphertext: the bank card password is encrypted by an encryption algorithm and a specific key.
PVV: the password offset generated after the client password is operated by the encryption machine is one of the elements for verifying the password.
PCV: the key encrypts a hexadecimal value zero X '00' of 8 bytes as a result of DES encryption operation, and is used for verifying the correctness of key transmission.
Currently, the bank does not hold the password of the customer's debit card, either as PIN plaintext or PIN ciphertext. The process of generating and verifying debit card passwords by bank card issuing systems is far from simple to save and compare 6 digits. The bank card issuing system calculates the result of a series of factors (such as debit card number, related key, customer password, originating channel type, etc.) under the participation of the encryption machine.
The application scenarios of the present invention are as follows:
the application scene one: the client borrows money from friends, the amount of money is large, and the client is in a bad situation and cannot refuse for other reasons. At this time, the customer needs a specific password, the specific password can be input on the internet bank or the cash dispenser, the account balance less than the real account amount is inquired, and the account balance can be preset, so that the dilemma is solved.
Application scenario two: in some cases, the customer needs to display his own fund reserve to the other party, and at this time, the customer needs a specific password, which can be input on the internet bank or the cash dispenser to inquire an account balance more than the real account amount, and the account balance can be preset.
Application scenario three: if the customer meets crisis such as kidnapping, when the bank card and the password are forced to be delivered, the customer needs a specific password, the specific password can still finish the money withdrawing transaction at an ATM or an internet bank, but the bank system can automatically identify and finish judgment, trigger various safety measures and guarantee the life safety of the customer.
The three application scenarios described above all reflect the personalized requirements of the customer on the use of passwords. But at present, due to the lack of the instruction of the encryption machine and the imperfect processing logic of the bank card issuing system, only a correct password is allowed to be set for the certificate (such as debit card, credit card, bankbook and the like). If the password is correct, the verification is passed and the transaction is continued; if the password is wrong, the verification is rejected and the transaction is failed. The current situation that the certificate can only set a correct password has become the biggest technical obstacle for providing diversified services for the bank behavior client.
The invention realizes the function of setting a plurality of correct passwords for one certificate by adding the instruction of the encryption machine and optimizing the password processing logic of the bank card issuing system. In specific practical use, the system can assist a series of comprehensive applications such as mobile banking application, short message notification reminding and the like, and realize the purpose of providing various personalized service innovations for customers.
Fig. 3 is a specific flowchart of a method for generating a bank card password according to the present invention, and as shown in fig. 3, the method includes:
s101: the method comprises the steps of obtaining a certificate number and a password block of a client, wherein the certificate number is a certificate number, the certificate is a debit card or a credit card or a bankbook, the password block is obtained by encrypting a password of the certificate, input by the client through a terminal, through a first secret key, and the number of the passwords is larger than 1.
In the invention, PINBLOCK is a cipher block;
ezpk (pinblock) is the password of the client encrypted with ZPK, and the client inputs the password during the transaction;
ZPK is the key used to encrypt pinblok, the first key mentioned herein;
a PAN is a credential number, i.e. a number of a debit or credit card or passbook.
In a specific implementation mode, a client determines to set a plurality of passwords for a current certificate according to the personalized requirements of the client, and each password is encrypted by a first secret key to obtain a corresponding password block. For example, the customer has set 3 passwords for a debit card.
S102: and acquiring a preset second key.
In the present invention, the PVK is a key used in verifying the client's password, i.e., the second key mentioned herein.
S103: and outputting verification data corresponding to the plurality of passwords of the certificate according to the number of the passwords, the second secret key, the certificate number and the password block. The check data includes an offset and a check value.
In the invention, PVV/PCV is the generating and checking data of the customer password, and the data is generated by a bank system calling an encryption machine and stored in a bank database. In a specific embodiment, if the customer sets up 3 passwords for a debit card, each password corresponds to a set of verification data.
The invention provides a bank card password generating method, which realizes the function of setting a plurality of correct passwords for a certificate by increasing the input elements of the number of the passwords in the password generating process.
In another embodiment of the present invention, a method for generating a bank card password further includes, after step S103:
s104: and storing the verification data corresponding to the plurality of passwords. In the present invention, a voucher key attribute table-PINT is added to the banking system, as shown in fig. 17, the table uses the debit card number as the key value, and stores the verification information of 2 sets of correct passwords corresponding to the card. Here, a debit card and 2 sets of passwords are examples. In the table, P _ ID is the partition number of the table, CARD is the CARD number of the debit CARD, PIN _ TYPE (1) is the serial number of the password, PIN _ PVV (1) is the offset of the first password, and PIN _ PCV (1) is the check value of the first password.
In another embodiment of the present invention, a method for generating a bank card password further includes, after step S104:
s105: setting scene information of the password in sequence, wherein the scene information comprises a normal scene, an appointed scene and an emergency scene. In a specific embodiment, if a customer sets 3 passwords for a debit card, scenario information of the 3 passwords is set, and the scenario information includes but is not limited to a normal scenario, an appointment scenario, and an emergency scenario. Setting the scene information corresponding to the 3 passwords as a normal scene, an appointed scene and an emergency scene in sequence, the client can know what the password of each scene corresponding to the own certificate is.
Fig. 4 is a flowchart of a second implementation manner of the method for generating a bank card password according to the embodiment of the present invention, as shown in fig. 4, the method further includes, after step S105:
S1061: and when the scene information of the password is an agreed scene, setting preset information corresponding to the password, wherein the preset information comprises an agreed amount, and the agreed amount is larger than or smaller than the actual amount of the voucher. In a specific embodiment, if the customer sets 3 passwords for a debit card, wherein the scenario information corresponding to 1 password is the appointed scenario, step S106 is executed1Setting a preset message including the appointed amount, such as: the agreed amount is 1 ten thousand yuan or 100 ten thousand yuan.
Fig. 5 is a flowchart of a third implementation manner of a method for generating and verifying a bank card password according to an embodiment of the present invention, as shown in fig. 5, in the third implementation manner, after step S105, the method further includes:
S1062: and when the scene information of the password is an emergency scene, setting preset information corresponding to the password, wherein the preset information comprises an emergency mobile phone number and/or mobile phone bank subscription information. In a specific embodiment, if the customer sets 3 passwords for a debit card, wherein the scene information corresponding to 1 password is an emergency scene, step S106 is executed2The method comprises the steps of setting an emergency mobile phone number and/or mobile banking subscription information, wherein the emergency mobile phone number is the number of relatives or friends that a customer wants to contact when the customer has an emergency, and the mobile banking subscription information is the information when the customer downloads APP of a bank system on a mobile phone and registers the APP as the customer.
Fig. 6 is a specific flowchart of a method for verifying a bank card password provided by the present invention, and as shown in fig. 6, the method includes:
s201: the method comprises the steps of obtaining a certificate number and a password block of a client, wherein the certificate number is a certificate number, the certificate is a debit card or a credit card or a bankbook, the password block is obtained by encrypting a password of the certificate, input by the client through a terminal, through a first secret key, and the number of the passwords is larger than 1.
S202: and acquiring a preset second secret key and verification data corresponding to the password.
In the invention, the verification data is the verification data stored in the certificate key attribute table-PINT.
S203: and outputting the verification information of the password block according to the first key, the second key, the verification data, the certificate number and the password.
In a specific embodiment, if the customer sets 3 passwords for a debit card, and each password corresponds to a group of verification data, in step S202, the verification data corresponding to the 3 passwords are read, and the verification information in step S203 is used to display the password currently input by the customer as verification success or verification failure.
The input elements of the verification data of a plurality of passwords are added in the password verification process, so that the verification of the plurality of passwords of one certificate is realized, and the personalized passwords are provided for customers.
In another embodiment of the present invention, a method for verifying a bank card password further includes, after step S203:
s204: when the verification information shows that the password block is successfully verified, analyzing the verification information to obtain scene information of the password, wherein the scene information comprises a normal scene, an appointed scene and an emergency scene.
Fig. 7 is a flowchart of a second implementation manner of the method for verifying the bank card password according to the embodiment of the present invention, and as shown in fig. 7, the method for verifying the bank card password further includes, after step S204:
S2051: when the scene information of the password is an appointed scene, acquiring preset information corresponding to the password, wherein the preset information comprises an appointment fundThe amount, the contracted amount is greater than or less than the actual amount of the voucher;
S2061: and displaying the appointed amount.
The application scenarios of the second embodiment shown in fig. 7 are as follows: the client borrows money from friends, the amount of money is large, and the client is in a bad situation and cannot refuse for other reasons. At this time, the customer inputs the password corresponding to the appointed scene, the password can be input on the internet bank or the cash dispenser, when the scene information corresponding to the password is determined to be the appointed scene after the bank system is verified successfully, the appointed amount is output, the appointed amount is less than the amount of the real account in the second embodiment, if the real amount of the customer is 10 ten thousands and the appointed amount is 1 ten thousands, the dilemma of the customer can be easily solved, and the personalized requirement of the customer is met.
Fig. 8 is a flowchart of a third implementation manner of a method for verifying a bank card password according to an embodiment of the present invention, and as shown in fig. 8, the method for verifying a bank card password further includes, after step S204:
S2052: when the scene information of the password is an emergency scene, acquiring preset information corresponding to the password, wherein the preset information comprises an emergency mobile phone number and/or mobile phone bank subscription information;
S2062: and sending a short message to the emergency mobile phone number, dialing a phone number and/or starting a bank terminal in the mobile phone of the customer according to the mobile phone subscription information to position the position of the customer.
The application scenarios of the third embodiment shown in fig. 8 are as follows: the customer is unfortunately forced to hand over the bank card and the password when encountering crisis such as kidnapping and the like. At this time, the customer may give out the password corresponding to the emergency scene, and the password may still complete the withdrawal transaction at the ATM or the internet bank, but at the same time, the bank system may automatically recognize that the password is not the password of the normal scene of the customer' S usage scene, but the password of the emergency scene, and then the bank system performs the above step S2052、S2052And triggering various safety measures to ensure the life safety of the client.
In another embodiment of the present invention, a method for verifying a bank card password further includes, after step S204:
S2053: and when the scene information of the password is an emergency scene, outputting alarm information, wherein the alarm information comprises the card number, the name and the identity card number of the customer.
In the embodiment, the bank system automatically recognizes that the password is the password of the emergency scene, and then the bank system automatically sends alarm information to a public security system networked with the bank system, so that the life safety of a client is guaranteed.
In another embodiment of the present invention, a method for verifying a bank card password further includes, after step S204:
S2054: when the scene information of the password is an emergency scene, positioning the terminal according to the verification information;
S2064: and starting a camera of the terminal to acquire image data.
In the embodiment, the bank system automatically identifies that the password is the password of the emergency scene, and then the bank system locates the terminal for inputting the password according to the verification information, and starts the camera of the terminal to acquire the image data, thereby ensuring the life safety of the client.
As described above, in the method for verifying bank card passwords provided by the present invention, the input elements of the password verification instruction include all the password verification information of the customer, if the verification is passed, the scene information corresponding to the password is returned in the output elements, and the bank system determines the subsequent operation according to the scene information, so that a plurality of correct passwords can be set for one certificate, and a foundation is laid for the personalized service of the customer.
It should be noted that while the operations of the method of the present invention are depicted in the drawings in a particular order, this does not require or imply that the operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
Having described the method of the exemplary embodiment of the present invention, the password generation device and the verification device of the exemplary embodiment of the present invention will be described with reference to the drawings. The implementation of the device can refer to the implementation of the method, and repeated details are not repeated. The terms "module" and "unit", as used below, may be software and/or hardware that implements a predetermined function. While the modules described in the following embodiments are preferably implemented in software, implementations in hardware, or a combination of software and hardware are also possible and contemplated.
Fig. 9 is a block diagram of a first structure of an implementation manner of a device for generating a bank card password according to an embodiment of the present invention, and as shown in fig. 9, the generating device 100 includes:
the system comprises a first acquisition module 101, a first storage module and a second storage module, wherein the first acquisition module 101 is used for acquiring a certificate number and a password block of a client, the certificate number is a certificate number, the certificate is a debit card or a credit card or a passbook, the password block is obtained by encrypting a password of the certificate input by the client through a terminal by a first secret key, and the number of the passwords is more than 1;
a second key obtaining module 102, configured to obtain a preset second key;
and the verification data output module 103 is used for outputting verification data corresponding to the plurality of passwords of the certificate according to the number of the passwords, the second secret key, the certificate number and the password block.
Fig. 18 is a schematic diagram of the internal logic of the generating device 100, and as shown in fig. 18, the generating device provided in the present invention invokes an encryptor (i.e., the verification data output module 103) to implement a function of setting multiple correct passwords for one credential by increasing the number of input elements of the passwords in the process of generating the passwords.
In another embodiment of the present invention, a device 100 for generating a bank card password further includes:
a verification data storage module 104, configured to store verification data corresponding to the multiple passwords, where the verification data includes an offset and a verification value.
In another embodiment of the present invention, a device 100 for generating a bank card password further includes:
a scene information setting module 105, configured to set scene information of the password in sequence, where the scene information includes a normal scene, an appointed scene, and an emergency scene.
Fig. 10 is a block diagram of a second implementation manner of a device for generating a bank card password according to an embodiment of the present invention, and as shown in fig. 10, the generating device 100 further includes:
a first preset information setting module 106, configured to set preset information corresponding to the password when the scene information of the password is an agreed scene, where the preset information includes an agreed amount, and the agreed amount is greater than or less than the actual amount of the credential.
Fig. 11 is a block diagram of a third implementation manner of a device for generating a bank card password according to an embodiment of the present invention, and as shown in fig. 11, the generating device 100 further includes:
a second preset information setting module 107, configured to set preset information corresponding to the password when the scene information of the password is an emergency scene, where the preset information includes an emergency mobile phone number and/or mobile banking subscription information.
Fig. 12 is a block diagram of a first structure of an implementation manner of a verification device for a bank card password according to an embodiment of the present invention, and as shown in fig. 12, the verification device 200 includes:
a second obtaining module 201, configured to obtain a credential number of a client and a password block, where the credential number is a number of a credential, the credential is a debit card, a credit card, or a passbook, the password block is obtained by encrypting a password of the credential input by the client through a terminal with a first key, and the number of the passwords is greater than 1;
a data obtaining module 202, configured to obtain a preset second key and verification data corresponding to the password;
and the verification information output module 203 is configured to output the verification information of the cipher block according to the first key, the second key, the verification data, the credential number, and the password.
Fig. 19 is a schematic diagram of an internal logic of the verification apparatus 200 provided by the present invention, and as shown in fig. 19, the verification apparatus 200 of the present invention adds input elements of verification data of a plurality of passwords during the password verification process, and invokes an encryption engine (i.e., the verification information output module 203) to verify the plurality of passwords of a credential, so as to provide a personalized password for a client.
In another embodiment of the present invention, a device 200 for verifying a bank card password further includes:
and the analysis module 204 is configured to analyze the check information to obtain scene information of the password when the check information shows that the password block is successfully checked, where the scene information includes a normal scene, an appointed scene, and an emergency scene.
Fig. 13 is a block diagram of a second implementation manner of a verification device for a bank card password according to an embodiment of the present invention, as shown in fig. 13, in the second implementation manner, the verification device 200 further includes:
a first preset information obtaining module 205, configured to obtain preset information corresponding to the password when the scene information of the password is an agreed scene, where the preset information includes an agreed amount, and the agreed amount is greater than or less than an actual amount of the credential;
and a display module 206, configured to display the agreed amount.
Fig. 14 is a block diagram of a third implementation manner of a verification device for a bank card password according to an embodiment of the present invention, as shown in fig. 14, in the third implementation manner, the verification device 200 further includes:
a second preset information obtaining module 207, configured to obtain preset information corresponding to the password when the scene information of the password is an emergency scene, where the preset information includes an emergency mobile phone number and/or mobile banking subscription information;
the communication module 208 is used for sending a short message to the emergency mobile phone number and dialing a call;
and a first positioning module 209, configured to start a bank terminal in the client mobile phone according to the mobile phone subscription information to position the location of the client.
In another embodiment of the present invention, a device 200 for verifying a bank card password further includes:
and the alarm information output module is used for outputting alarm information when the scene information of the password is an emergency scene, wherein the alarm information comprises the card number, the name and the identity card number of the customer.
In another embodiment of the present invention, a device 200 for verifying a bank card password further includes:
the second positioning module is used for positioning the terminal according to the verification information when the scene information of the password is an emergency scene;
and the image data acquisition module is used for starting the camera of the terminal to acquire image data.
Fig. 15 is a block diagram of a banking system according to an embodiment of the present invention, and as shown in fig. 15, the banking system includes a device 100 for generating a bank card password and a device 200 for verifying the bank card password.
The invention optimizes the password verification mechanism of the bank system and supports the customer to set a plurality of passwords for one certificate. Under the permission of the client, the system provides personalized service for the client through various functions in the whole bank system, and meets the increasingly diversified requirements of the client.
Furthermore, although in the above detailed description several unit modules of the generating device of the bank card password are mentioned, this division is only not mandatory. Indeed, the features and functions of two or more of the units described above may be embodied in one unit, according to embodiments of the invention. Also, the features and functions of one unit described above may be further divided into embodiments by a plurality of units.
The following embodiments illustrate how the method and apparatus for generating and verifying bank card passwords according to the present invention work in a process in which a customer is unfortunately in a crisis such as a kidnapping. The bank provides a debit card for a customer A, meanwhile, the customer sets 2 passwords (password 1 and password 2) for the debit card, the passwords correspond to a normal scene and an emergency scene respectively, the emergency mobile phone number in the emergency scene is preset, the APP of a bank system is installed on the mobile phone, the mobile phone and the bank system are successfully registered, and mobile phone bank subscription information of the customer is stored in the bank system. After the communication negotiation with the client, the relevant service agreement is signed. Under normal conditions, the client uses the password 1 to handle daily business. If the client meets the agreement contract condition (such as being hijacked by a criminal suspect), the business can be transacted by using the password 2, and the bank also provides related services according to the agreement contract content.
Fig. 16 is a schematic diagram of an application scenario provided by an embodiment of the present invention, as shown in fig. 16, a customer a is forced to give out a debit card and a password by a kidnapping of a suspect B. At the moment, the customer can give out the password corresponding to the emergency scene, and the password can still complete the withdrawal transaction at the ATM or the internet bank. Simultaneously, suspect B takes customer A's debit card to go ATM machine C and gets money, bank system D calls the encryption machine E of parent's inside to suspect B's the password that provides and checks up, ATM machine C can normally accomplish the flow of withdrawing money after the check-up succeeds, and simultaneously, bank system D can draw money the password that the business used according to suspect and discern this password is not customer's normal scene's password automatically, but the password of emergency scene, then bank system triggers multiple safeguard measure, guarantee customer life safety, it is concrete:
and sending alarm information to the public security system at the first time through the networking interface between the bank system and the public security department.
And starting a camera on the ATM C to acquire related image data according to the terminal number of the withdrawal transaction initiating machine.
The bank APP installed on the mobile phone F is started through the mobile phone subscription information of the client, the position of the client is located, and further the functions of a camera, a recorder and the like of the mobile phone can be started to obtain related audio and video data.
And informing the emergency contact phone reserved by the client of the related information.
As described above, in the method for generating a bank card password, the method for verifying, the device for generating a bank card password, the device for verifying, and the bank system provided by the present invention, the function of setting a plurality of correct passwords for a certificate is realized by increasing the number of the passwords in the process of generating a password, and meanwhile, the elements of the verification data of the plurality of passwords are increased in the process of verifying a password, so that the plurality of passwords of a certificate can be verified, personalized passwords are provided for a customer, personalized services can be provided for the customer, and the security level of the customer is effectively improved.
Improvements to a technology can clearly be distinguished between hardware improvements (e.g. improvements to the circuit structure of diodes, transistors, switches, etc.) and software improvements (improvements to the process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate a dedicated integrated circuit chip 2. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardbyscript Description Language (vhr Description Language), and the like, which are currently used by Hardware compiler-software (Hardware Description Language-software). It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.
The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory.
Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.
From the above description of the embodiments, it is clear to those skilled in the art that the present application can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present application may be essentially or partially implemented in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments of the present application.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The application is operational with numerous general purpose or special purpose computing system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like.
The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
While the present application has been described with examples, those of ordinary skill in the art will appreciate that there are numerous variations and permutations of the present application without departing from the spirit of the application, and it is intended that the appended claims encompass such variations and permutations without departing from the spirit of the application.
Claims (7)
1. A bank card password generation method is characterized by comprising the following steps:
the bank system acquires a certificate number and a password block of a customer, wherein the certificate number is a certificate number, the certificate is a debit card or a credit card or a bankbook, the password block is obtained by encrypting a password of the certificate input by the customer through a terminal by a first secret key ZPK, and the number of the password is more than 1; wherein the password of the credential is a password of the customer encrypted using ZPK;
acquiring a preset second key PVK;
calling an encryption machine to output check data corresponding to the plurality of passwords of the certificate according to the number of the passwords, the second secret key, the certificate number and the password block; saving check data corresponding to the plurality of passwords, wherein the check data comprises an offset PVV and a check value PCV;
setting scene information of the password in sequence, wherein the scene information comprises a normal scene, an appointed scene and an emergency scene;
when the scene information of the password is an appointed scene, setting preset information corresponding to the password, wherein the preset information comprises an appointed amount, and the appointed amount is larger than the actual amount of the voucher;
and when the verification data corresponding to the plurality of passwords is stored, a voucher key attribute table-PNT is added in the bank system, the attribute table takes the voucher number as a key value, and the association relation between the plurality of password serial numbers corresponding to the voucher number and the corresponding verification data is stored.
2. The method as claimed in claim 1, wherein when the context information of the password is an emergency context, the method further comprises: and setting preset information corresponding to the password, wherein the preset information comprises an emergency mobile phone number and/or mobile banking subscription information.
3. A method for verifying bank card passwords is characterized by comprising the following steps:
the bank system acquires a certificate number and a password block of a customer, wherein the certificate number is a certificate number, the certificate is a debit card or a credit card or a bankbook, the password block is obtained by encrypting a password of the certificate input by the customer through a terminal by a first secret key ZPK, and the number of the password is more than 1; wherein the password of the credential is a password of the customer encrypted using ZPK;
acquiring a preset second key PVK and verification data corresponding to the password; saving check data corresponding to the plurality of passwords, wherein the check data comprises an offset PVV and a check value PCV; when the verification data corresponding to the plurality of passwords is stored, a voucher key attribute table-PNT is added in a bank system, the attribute table takes the voucher number as a key value, and the association relation between the plurality of password serial numbers corresponding to the voucher number and the corresponding verification data is stored;
calling an encryption machine to output the verification information of the password block according to the first secret key ZPK, the second secret key PVK, the verification data, the certificate number and the password;
when the verification information shows that the password block is successfully verified, analyzing the verification information to obtain scene information of the password, wherein the scene information comprises a normal scene, an appointed scene and an emergency scene;
when the scene information is an appointed scene, acquiring preset information corresponding to the password, wherein the preset information comprises an appointed amount which is larger than the actual amount of the voucher; displaying the appointed amount;
when the scene information of the password is an emergency scene, acquiring preset information corresponding to the password, wherein the preset information comprises an emergency mobile phone number and/or mobile phone bank subscription information;
sending a short message to the emergency mobile phone number, dialing a phone and/or starting a bank terminal in the mobile phone of the customer according to the mobile phone subscription information to position the position of the customer;
outputting alarm information, wherein the alarm information comprises the card number, the name and the identification number of the customer;
positioning the terminal according to the verification information; and starting a camera of the terminal to acquire image data.
4. A generation device of bank card password is characterized in that the generation device comprises:
the system comprises a first acquisition module, a second acquisition module and a password block, wherein the first acquisition module is used for acquiring a voucher number and a password block of a client, the voucher number is a voucher number, the voucher is a debit card or a credit card or a passbook, the password block is obtained by encrypting a password of the voucher input by the client through a terminal by a first secret key ZPK, and the number of the password is more than 1; wherein the password of the credential is a password of the customer encrypted using ZPK;
the second key acquisition module is used for acquiring a preset second key PVK;
the verification data output module is used for calling the encryption machine to output verification data corresponding to the plurality of passwords of the certificate according to the number of the passwords, the second secret key, the certificate number and the password block;
the verification data storage module is used for storing verification data corresponding to the plurality of passwords, and the verification data comprises an offset PVV and a verification value PCV;
the scene information setting module is used for sequentially setting scene information of the passwords, and the scene information comprises a normal scene, an appointed scene and an emergency scene;
the first preset information setting module is used for setting preset information corresponding to the password when the scene information of the password is an appointed scene, wherein the preset information comprises an appointed amount, and the appointed amount is larger than the actual amount of the voucher;
and when the verification data corresponding to the plurality of passwords is stored, a voucher key attribute table-PNT is added in the bank system, the attribute table takes the voucher number as a key value, and the association relation between the plurality of password serial numbers corresponding to the voucher number and the corresponding verification data is stored.
5. The generating device of claim 4, wherein the generating device further comprises: and the second preset information setting module is used for setting preset information corresponding to the password when the scene information of the password is an emergency scene, wherein the preset information comprises an emergency mobile phone number and/or mobile banking subscription information.
6. A kind of check-up equipment of the bank card password, characterized by, the said check-up equipment includes:
the second acquisition module is used for acquiring a voucher number and a password block of a client, wherein the voucher number is a voucher number, the voucher is a debit card or a credit card or a passbook, the password block is obtained by encrypting a password of the voucher input by the client through a terminal by a first secret key ZPK, and the number of the passwords is more than 1; wherein the password of the credential is a password of the customer encrypted using ZPK;
the data acquisition module is used for acquiring a preset second key PVK and verification data corresponding to the password; when the verification data corresponding to the plurality of passwords is stored, a voucher key attribute table-PNT is added in a bank system, the attribute table takes the voucher number as a key value, and the association relation between the plurality of password serial numbers corresponding to the voucher number and the corresponding verification data is stored;
the verification information output module is used for calling the encryption machine to output the verification information of the password block according to the first secret key ZPK, the second secret key PVK, the verification data, the certificate number and the password;
the analysis module is used for analyzing the verification information to obtain scene information of the password when the verification information shows that the verification of the password block is successful, wherein the scene information comprises a normal scene, an appointed scene and an emergency scene;
the first preset information acquisition module is used for acquiring preset information corresponding to the password when the scene information of the password is an agreed scene, wherein the preset information comprises an agreed amount which is larger than the actual amount of the voucher;
the display module is used for displaying the appointed amount;
the second preset information acquisition module is used for acquiring preset information corresponding to the password when the scene information of the password is an emergency scene, wherein the preset information comprises an emergency mobile phone number and/or mobile banking subscription information;
the communication module is used for sending a short message to the emergency mobile phone number and dialing a call;
the first positioning module is used for starting a bank terminal in the customer mobile phone according to the mobile phone subscription information so as to position the customer;
the alarm information output module is used for outputting alarm information when the scene information of the password is an emergency scene, wherein the alarm information comprises the card number, the name and the identity card number of the customer;
the second positioning module is used for positioning the terminal according to the verification information when the scene information of the password is an emergency scene;
and the image data acquisition module is used for starting the camera of the terminal to acquire image data.
7. A banking system, characterized in that it comprises a device for generating a bank card password according to any one of claims 4 to 5 and a device for verifying a bank card password according to claim 6.
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| CN107833053A (en) * | 2017-10-18 | 2018-03-23 | 中国银行股份有限公司 | The Information Authentication method and device of core banking system |
| TWI679603B (en) * | 2018-12-14 | 2019-12-11 | 台新國際商業銀行股份有限公司 | System for assisting a financial card holder in setting password for the first time and method thereof |
| CN110675123A (en) * | 2019-09-23 | 2020-01-10 | 广州轨道交通建设监理有限公司 | Building work recruitment system based on internet social platform |
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