CN108985762A - A kind of Account Registration and transaction security method and system - Google Patents

A kind of Account Registration and transaction security method and system Download PDF

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Publication number
CN108985762A
CN108985762A CN201810697787.XA CN201810697787A CN108985762A CN 108985762 A CN108985762 A CN 108985762A CN 201810697787 A CN201810697787 A CN 201810697787A CN 108985762 A CN108985762 A CN 108985762A
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CN
China
Prior art keywords
account
user terminal
transaction
server
information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201810697787.XA
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Chinese (zh)
Inventor
崔可
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
BEIJING ORIENCARD DIGITAL TECHNOLOGY Ltd
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BEIJING ORIENCARD DIGITAL TECHNOLOGY Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
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Priority to CN201810697787.XA priority Critical patent/CN108985762A/en
Publication of CN108985762A publication Critical patent/CN108985762A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405Establishing or using transaction specific rules

Abstract

The present invention relates to a kind of Account Registration and transaction security systems, specifically include: user terminal A, user terminal B, protection card, account server and trading server.A kind of Account Registration and transaction security method are further related to, data interaction is perhaps carried out between user terminal and server between the ues and carries out being protected when transaction or account management between the ues, account safety registration can also be carried out.Account Registration, transaction security system with protection card can be effectively guaranteed account in process of exchange and Transaction Information are not stolen.

Description

A kind of Account Registration and transaction security method and system
Technical field
The present invention relates to account safety fields, more particularly to Account Registration and transaction security method and system.
Background technique
Economic activity in the extensive use of intelligent terminal, and life, if account trading is more and more, user's Various accounts be used to carry out in all kinds of economic activities, however, carrying out transaction or other economic activities using account In the process, it is stolen to cause the risk of economic loss there are password.Crime one's share of expenses for a joint undertaking can using various means Web bank, User terminal steals the password of account in, in the trading activities such as depositing and drawing in bank machine, and enters user account using password, Money in account is transferred or extracted cash, thus causes to compare pass in biggish loss and daily life to victim The major issue of note.
In order to reduce above-mentioned risk, a kind of technological means is the different types of password of setting, and user protects not Same content, to improve safety.It is wherein relatively common: for Account Settings trading password and password for inquiry.Wherein, it inquires close Code is served only for the relevant information of inquiry account, is not used to withdraw the money, transfer accounts and remit money etc. to be related to the activity of Capital Flow;It trades close The code then verifying for transfer and the flowing of fund.By setting the password of different function, the use of trading password can be reduced Frequency reduces a possibility that trading password is stolen, to improve the safety of account.
So-called e-payment refers to company or individual by electric terminal, and such as smart phone issues delivery operation signal, Realize payment transaction and fund transfer behavior, be based on electronic communication and realize using digital cash replace physical currency into Row payment payment method, have many advantages, such as can cross-region payment, independent of physical currency, be not required to small change, convenient and efficient, use E-payment can be realized by intelligent terminals such as computer, mobile phones in family.
Since the essence of e-payment is data interaction, account information is inevitably faced in communication transmission process Or other transaction related informations leakage, the safety problems such as steal, distort and forge, for example, user is by account number and branch It pays during the amount of money is sent to server, after being stolen such as above-mentioned data information, and shroff account number is distorted as eavesdropper Account is uploaded to server again, then the fund that customer transaction is related to will be stolen;In addition, criminal is used by stealing payment The transfer request at family, has known the identity and encrypted message of user, then the identity that can forge user uploads transfer request, To steal the fund of user;Aforesaid way be all often be reported in daily life or user and bank concern behavior.
When user carries out payment transaction by smart machine, the intelligent protections equipment such as U-shield is also one of common hardware. But common U-shield and corresponding account and the protected mode of transaction are fairly simple, be all by Store Credentials, password, and And the numerical ciphers of progress user's input or the form of simple random code authenticate.In addition, during Account Registration, Account password information is also easily stolen to be taken, and the activities such as inquiry, the transaction of this later use account progress are also directly affected.
Summary of the invention
The present invention provides a kind of account management and transaction security system characterized by comprising
User terminal A, user terminal B, protection card, account server and trading server;
The equipment that user terminal A and user terminal B belong to identical function contributes to data interaction and storage and provides The interface of customer transaction and Account Registration, management;
Protection card is used to be protected when user terminal A or B carry out transaction or Account Registration, management;
Account server passes through protection card for storing account information and corresponding identity information and encrypted message Data interaction is carried out with user terminal A or B, is updated to complete Account Registration, information inquiry and account information modification;
Trading server by protection card and is used for store transaction content and corresponding trading object and source Family terminal A or B carry out data interaction, to complete the customer transaction between terminal.
Wherein, user terminal A includes input display module a, processing module a, network module a.
Preferably, processing module a is used to handle Account Registration, account modification, more new data or transaction data etc., and controls System input display module and network module carry out the execution of corresponding function.
Wherein, account server includes memory a, processor a and communicator a.
Preferably, processor a is used to according to solicited message or matching authentication result information carry out Account Registration, account is believed Breath obtains, account information modification and update are handled.
The Account Registration and transaction security method, this method that the present invention also provides a kind of to be realized using above system are specific Are as follows:
(1) Account Registration request is sent;
(2) mark and password of the user terminal A carried in Account Registration request are extracted, and is asked to user terminal A return Seek response message;
(3) request response that account server is sent is received, and obtains the institute carried in the request response At least one preset rules is stated, user forms the preset rules of confirmation after therefrom selecting;
(4) the preset rules confirmation message is received, and obtains the default rule carried in the preset rules confirmation message Then information;
(5) message that succeeds in registration is sent;
(6) data interaction is carried out between the ues or between user terminal and server;
(7) it carries out being protected when transaction or account management between the ues;
(8) store transaction content and corresponding trading object and source, and complete the customer transaction between terminal.
Wherein, step (1) specifically: user terminal A sends Account Registration request to account server, and account server connects Receive the Account Registration request message that terminal A is sent.
Wherein, step (2) specifically: account server extracts the mark of the user terminal A carried in Account Registration request And password, and request response is returned to user terminal A.
Wherein, step (3) specifically: user terminal A receives the request response that account server is sent, and obtains institute At least one the described preset rules carried in request response are stated, user therefrom carries out the default rule that selection forms confirmation Then.
Wherein, step (4) specifically: account server receives the preset rules confirmation message, and obtains described default The preset rules information carried in regular confirmation message.
The beneficial account trading security system having the technical effect that involved in the present invention with protection card of the present invention, It can be effectively guaranteed Account Registration in process of exchange and Transaction Information is not stolen.
Detailed description of the invention
Fig. 1 is Account Registration and transaction security system schematic diagram;
Fig. 2 is Account Registration and transaction security method concrete operations flow chart.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete Site preparation description, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts every other Embodiment shall fall within the protection scope of the present invention.
The present invention provides a kind of Account Registration and transaction security system, as shown in Figure 1, specifically including: user terminal A, use Family terminal B, protection card, account server and trading server.
The equipment that user terminal A and user terminal B belong to identical function contributes to data interaction and storage and provides The interface of customer transaction and Account Registration, management.User terminal A and user terminal B mono- are used as the terminal that transaction is initiated, Another is used as the terminal for receiving transaction data.Or it may serve to as the terminal interacted with server.
Protection card is used to be protected when user terminal A or B carry out transaction or Account Registration, management, specially exists Equipment when terminal transaction, as trading password comparison and authentication;In Account Registration, as setting for account information storage It is standby.
Account server passes through protection card for storing account information and corresponding identity information and encrypted message Data interaction is carried out with user terminal A or B, to complete Account Registration, information inquiry and account information modification update etc..Separately Outside, account server also carries out data interaction with trading server, and the data parameters in account information needed for providing transaction are come Transaction needed for completing between terminal.
Trading server by protection card and is used for store transaction content and corresponding trading object and source Family terminal A or B carry out data interaction, to complete the customer transaction between terminal.In addition, trading server also with account service Device carries out data interaction, the data parameters in account information needed for obtaining transaction, to complete transaction required between terminal.
The following detailed description of account management and transaction security system account management and transaction concrete function.
User terminal A includes input display module a, processing module a, network module a.
The data information that input display module a is used to input request relevant information and display server is sent, the request Relevant information includes account information, Transaction Information, password etc., and data information includes that Account Registration interface, account information are shown The page, transaction results information, notification information etc..
Processing module a is used to handle Account Registration, account modification, more new data or transaction data etc., and controls input Display module and network module carry out the execution of corresponding function.
Network module a is used to carry out data transmission and reception by network, and by the net of active user's terminal A connection Network identification information is sent to processing module.
User terminal B and user terminal A modular structure having the same.
Protection card includes processing module b, network module b, external interface.
Processing module b be used to carry out password and identities match certification, and by matching result simultaneously be sent to user terminal and Server.In addition, processing module b is also stored and the information such as the mark of the user terminal of protection card pairing and password.Processing module b Protection card electricity is judged according further to certain time interval.
Network module b is used to carry out the data transmission and reception by network, and the network that current protection card is connected Identification information is sent to processing module.
External interface is used to connect user terminal and carries out data interaction, or connection power supply charges.
Account server includes memory a, processor a and communicator a.
Processor a be used to according to solicited message or matching authentication result information carry out Account Registration, account information obtain, The processing such as account information modification and update.
Memory a is used to store account information and corresponding encrypted message.
Communicator a is used to carry out transmission and the modification more new information, the reception for matching authentication result information of account information.
Trading server includes memory b, processor b and communicator b.
Processor b is used to the judgement according to solicited message or matching authentication result information progress type of transaction, in transaction Hold the confirmation with transaction results, and obtains corresponding encrypted message from memory b.
Memory b is used to store transaction information and corresponding encrypted message.
Communicator b is used to carry out account information, the transmission of transaction related information and transaction request, matching authentication result information Reception.
Inquiry, modification about the account information between user terminal and server, which update, belongs to state of the art, Which is not described herein again for particular content.
The following detailed description of the trading function between the Account Registration and terminal of user terminal by server.
Account Registration is carried out first, specifically:
The network module a of user terminal A sends Account Registration request, the communicator a of account server to account server The Account Registration request message that user terminal A is sent is received, the mark of user terminal A is carried in account login request message And password.
The processor a of account server extracts the mark and password of the user terminal A carried in Account Registration request, and controls Memory a processed is associated storage to the mark and password of user terminal A, and returns to request response to user terminal A, At least one preset rules is carried in the request response.
The processing module a of user terminal A receives the request response that account server is sent, and obtains the request and ring Answer at least one the described preset rules carried in message, the display module a of user terminal A to user show it is described at least one Preset rules, user therefrom select, and the network module a of user terminal A, which sends preset rules setting to account server, to be asked Message is sought, carries the preset rules for selecting confirmation by user in the preset rules setting request message.
The processor a of account server receives the preset rules confirmation message, and obtains the preset rules confirmation and disappear The preset rules information carried in breath includes at least one preset rules in the preset rules information, and control memory a to obtain The mark and password of the preset rules information and user terminal A that take are associated storage.
Account server sends the message that succeeds in registration to user terminal A, while the mark of user terminal A and password being sent Storage is associated to protection card.
After the completion of registration, it can trade, specifically:
The network module a of user terminal A receives the transaction content interface that communicator b is sent in trading server, and passes through Processing module a is shown in input display module a.User selects a corresponding transaction content simultaneously in input display module a Account identification is inputted, above- mentioned information are sent processing module a by input display module a, and processing module a generates transaction request letter Breath, which includes above-mentioned transaction content and account identification.User terminal A is asked by network module a therein by above-mentioned Information is asked to be sent in trading server.
Communicator b in trading server sends the solicited message received in processor b, processor b acquisition pair After the account identification and transaction content answered, corresponding account information, account letter are obtained from account server according to account identification Breath includes name on account, Account Transaction History, account balance etc..Meanwhile the processor b in trading server is selected according to user A transaction content obtain corresponding transaction content information from memory b, which includes the corresponding user terminal B that trades Mark, transaction amount, transaction history data etc..
Processor b generates transaction request information according to the mark of user terminal B, and is sent to user's end by communicator b It holds in B, user terminal B determines whether transaction can be with according to the relevant information of the transaction content in transaction request and user terminal A It carries out, after determining that transaction can carry out, user terminal B sends notification information to trading server.
User terminal A processing module a sends protection card for the password for inputting display module a input by network module a In.Processing module b in protection card matches the password received with the pre-set corresponding password wherein stored, And matching result is passed through into network module b simultaneously and is sent in user terminal A and trading server.Specific matching way belongs to The prior art repeats no more.
When successful match, trading server complete transaction, processor b therein by the corresponding data of transaction results simultaneously It is sent to user terminal A and user terminal B.It such as sends user terminal A for transaction successful message to show, by transaction value data And transaction successful message is sent to user terminal B, while sending account balance and transaction in account information to account server Information is updated request, and account server carries out corresponding modification and update after receiving request.
The present invention provides a kind of Account Registration and transaction security method, specifically:
Account Registration is carried out first, specifically:
Send Account Registration request.
The mark and password of the user terminal A carried in Account Registration request are extracted, and returns to request to user terminal A and rings Answer message.
Receive account server send request response, and obtain carried in the request response it is described extremely Few preset rules, user form the preset rules of confirmation after therefrom selecting.
The preset rules confirmation message is received, and obtains the preset rules letter carried in the preset rules confirmation message Breath.
Transmission is succeeded in registration message.
After the completion of registration, it can trade, specifically:
Data interaction is carried out between the ues or between user terminal and server.
It carries out being protected when transaction or account management between the ues, it can also be whole not with user in protection card Certification comparison is completed in the case where the connection of end.
Account information and corresponding identity information and encrypted message are stored, and completes account information inquiry and account letter The processing such as breath modification update.Additionally, it is provided the data parameters in account information needed for transaction, come needed for completing between terminal Transaction.
Store transaction content and corresponding trading object and source, and complete the customer transaction between terminal.In addition, Data parameters in account information needed for obtaining transaction, to complete transaction required between terminal.
Inquiry, modification about the account information between user terminal and server, which update, belongs to state of the art, Which is not described herein again for particular content.
The following detailed description of the specific steps of above content, as shown in Figure 2:
(1) Account Registration request is generated, the mark and password of user terminal A are carried in account login request message.
(2) extract the mark and password of user terminal A carried in Account Registration request, mark to user terminal A and Password is associated storage, returns to request response, at least one preset rules is carried in the request response.
(3) obtain at least one the described preset rules carried in the request response, display it is described at least one Preset rules, user therefrom select, and subsequently generate preset rules setting request message, and the preset rules setting request disappears The preset rules that confirmation is selected by user are carried in breath.
(4) the preset rules confirmation message is received, and obtains the default rule carried in the preset rules confirmation message Then information, includes at least one preset rules in the preset rules information, and the preset rules information and user terminal A that will acquire Mark and password be associated storage.
(5) it sends and succeeds in registration message, while by the mark of user terminal A and password sending protection card and be associated and depositing Storage.
(6) transaction content interface is received, and is shown.User is selecting a corresponding transaction content and is inputting account Mark generates transaction request information according to above- mentioned information, which includes above-mentioned transaction content and account identification.Then will Above-mentioned solicited message is sent to trading server.
(7) corresponding account identification and transaction content are obtained after receiving solicited message, and according to account identification from account Server obtains corresponding account information, and account information includes name on account, Account Transaction History, account balance etc..Meanwhile Corresponding transaction content information is obtained according to a transaction content of user's selection, which includes corresponding user terminal of trading Mark, transaction amount, transaction history data of B etc..
(8) transaction request information is generated according to the mark of user terminal, and according to the transaction content in transaction request and separately One user terminal relevant information determines whether transaction can carry out, after determining that transaction can carry out, send notification information to Trading server.
(9) password received is matched with the pre-set password wherein stored, and simultaneously by matching result It is sent in user terminal and trading server.Specific matching way belongs to the prior art, repeats no more.
(10) when successful match, trading server completes transaction, sends two simultaneously for the corresponding data of transaction results A user terminal.Such as one of user terminal is sent by transaction successful message to show, by transaction value data and Transaction successful message is sent to another user terminal, and sends account balance and Transaction Information in account information simultaneously and carry out more New request, corresponding server carry out corresponding modification and update after receiving request.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any Those skilled in the art is in technical scope disclosed by the invention, and any changes or substitutions that can be easily thought of, all answers It is included within the scope of the present invention.Therefore, protection scope of the present invention should be with the scope of protection of the claims It is quasi-.

Claims (10)

1. a kind of Account Registration and transaction security system characterized by comprising
User terminal A, user terminal B, protection card, account server and trading server;
The equipment that user terminal A and user terminal B belong to identical function contributes to data interaction and stores and provide user The interface of transaction and Account Registration, management;
Protection card is used to be protected when user terminal A or B carry out transaction or Account Registration, management;
Account server by protection card and is used for storing account information and corresponding identity information and encrypted message Family terminal A or B carry out data interaction, update to complete Account Registration, information inquiry and account information modification;
Trading server passes through protection card and user's end for store transaction content and corresponding trading object and source A or B is held to carry out data interaction, to complete the customer transaction between terminal.
2. system according to claim 1, which is characterized in that user terminal A includes input display module a, processing module A, network module a.
3. system according to claim 2, which is characterized in that processing module a is used to handle Account Registration, account is modified, More new data or transaction data etc., and control the execution of input display module and network module progress corresponding function.
4. system according to claim 3, which is characterized in that account server includes memory a, processor a and communication Device a.
5. system according to claim 4, which is characterized in that processor a is used to be authenticated according to solicited message or matching Result information carries out Account Registration, account information obtains, account information modification and update are handled.
6. a kind of Account Registration and transaction security method realized using the described in any item systems of claim 1-5, feature It is, this method specifically:
(1) Account Registration request is sent;
(2) mark and password of the user terminal A carried in Account Registration request are extracted, and returns to request to user terminal A and rings Answer message;
(3) receive account server send request response, and obtain carried in the request response it is described extremely Few preset rules, user form the preset rules of confirmation after therefrom selecting;
(4) the preset rules confirmation message is received, and obtains the preset rules letter carried in the preset rules confirmation message Breath;
(5) message that succeeds in registration is sent;
(6) data interaction is carried out between the ues or between user terminal and server;
(7) it carries out being protected when transaction or account management between the ues;
(8) store transaction content and corresponding trading object and source, and complete the customer transaction between terminal.
7. according to the method described in claim 6, it is characterized in that, wherein, step (1) specifically: user terminal A takes to account Business device sends Account Registration request, and account server receives the Account Registration request message that terminal A is sent.
8. the method according to the description of claim 7 is characterized in that wherein, step (2) specifically: account server extracts account The mark and password of the user terminal A carried in the registration request of family, and request response is returned to user terminal A.
9. according to the method described in claim 8, it is characterized in that, wherein, step (3) specifically: user terminal A receives account The request response that server is sent, and at least one the described preset rules carried in the request response are obtained, User therefrom carries out the preset rules that selection forms confirmation.
10. according to the method described in claim 9, it is characterized in that, wherein, step (4) specifically: account server receives institute Preset rules confirmation message is stated, and obtains the preset rules information carried in the preset rules confirmation message.
CN201810697787.XA 2018-06-29 2018-06-29 A kind of Account Registration and transaction security method and system Pending CN108985762A (en)

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Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1340784A (en) * 2000-08-31 2002-03-20 国际商业机器公司 Network business operated by intelligent card allowed to te used through consumers' equipment
CN1540560A (en) * 2003-10-27 2004-10-27 中国建设银行 Method ad system for transacting transfer of account for banks on network
CN1625746A (en) * 2002-04-24 2005-06-08 Sk电信股份有限公司 Mobile terminal with user identification card including personal finance-related information and method of using a value-added mobile service through said mobile terminal
CN101853342A (en) * 2009-03-30 2010-10-06 宋煜燊 The anti identity theft and the payment network of protection privacy
CN102496125A (en) * 2011-12-21 2012-06-13 成都英黎科技有限公司 Transferring method and system based on mobile terminal
CN105337925A (en) * 2014-06-09 2016-02-17 阿里巴巴集团控股有限公司 User account management method and apparatus

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1340784A (en) * 2000-08-31 2002-03-20 国际商业机器公司 Network business operated by intelligent card allowed to te used through consumers' equipment
CN1625746A (en) * 2002-04-24 2005-06-08 Sk电信股份有限公司 Mobile terminal with user identification card including personal finance-related information and method of using a value-added mobile service through said mobile terminal
CN1540560A (en) * 2003-10-27 2004-10-27 中国建设银行 Method ad system for transacting transfer of account for banks on network
CN101853342A (en) * 2009-03-30 2010-10-06 宋煜燊 The anti identity theft and the payment network of protection privacy
CN102496125A (en) * 2011-12-21 2012-06-13 成都英黎科技有限公司 Transferring method and system based on mobile terminal
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Application publication date: 20181211